I completely agree about the insurance hassle part. I think we have the same insurance company based on a prior post of yours. My plan covers 60 visits a year but I highly doubt they'd pay for 60 visits. Every visit of mine is subject to medical review which can only take place after the appointment has happened. And the review can take up to 30 days once they receive the additional data. You can rack up a lot of uncovered PT visits before you hear the verdict of the visits that they evaluated!!