Clinic Calculators for Cash-Based PT and Chiropractic Owners

Most owners make big decisions on gut feel: whether to hire another front desk person, what to charge for a plan of care, whether to drop insurance. These three calculators turn those decisions into arithmetic you can check. Each one takes a handful of numbers you already have, and each default is an assumption you are meant to replace.

Which calculators does Clinic MarketingOS offer?

Clinic MarketingOS offers three free calculators for cash-based PT and chiropractic owners: missed call cost, package pricing, and cash vs insurance. They cover the three money questions we hear most on calls with owners. The missed call calculator puts a dollar figure on new patients lost when the phone is not answered. The package pricing calculator turns a per-visit rate into a plan-of-care price, a pay-in-full option, a payment plan and revenue at capacity. The cash vs insurance calculator finds how much of your current visit volume you would need to keep to make the same money cash-based. All three run in your browser, store nothing, and use plain multiplication you can check by hand.

What does the missed call cost calculator tell me?

The missed call cost calculator tells you how much revenue walks out each month through calls nobody answers. It multiplies five numbers: calls per month, the share you miss, the share of missed calls from new patients, the share who would have booked, and what one new patient is worth. With the defaults, 120 calls, 30% missed, 40% new, 50% would book and a $3,000 plan of care, it shows about 7 lost new patients and $21,600 a month. Those defaults are the starting assumptions from our Missed Patient Test, not industry averages. The useful move is replacing each one with your own call log and seeing which input moves the total most. Try it on the missed call cost calculator.

When should I use the missed call calculator?

Use the missed call calculator before you raise your ad budget, hire another front desk person, or sign up for an AI receptionist or answering service. All three decisions hinge on the same question: how much is the phone costing you right now? If the monthly loss is bigger than the cost of the fix, the decision is easy. If it is small, your phone is probably fine and the problem is elsewhere, often the offer or the ads. Pull 30 days of call data from your phone system first; counting unanswered calls, voicemails and calls under 10 seconds gives you a real missed rate. Then read speed to lead for clinics for the fixes in order of cost.

What does the package pricing calculator tell me?

The package pricing calculator tells you what a plan of care should cost and what your schedule can earn at that price. You enter a per-visit cash rate, visits in a typical plan of care, a pay-in-full discount, visit length, the visits one clinician can deliver per week and your show rate. With the defaults, $175 a visit and 10 visits, it shows a $1,750 package, $1,575 paid in full with a 10% discount, or three payments of $583. It also shows $175 per clinical hour at 60-minute visits and about $17,428 a month at 25 visits a week with a 92% show rate. That last number is a useful reality check on whether your price can support the income you want. Open the package pricing calculator.

When should I use the package pricing calculator?

Use the package pricing calculator when you are setting prices for the first time, moving from per-visit billing to packages, or deciding whether to raise your rate. It is also the fastest way to answer "what is a new patient worth to me?", a number you need for judging ads. In our Local Clinic Ad Report, pulled from the Meta Ad Library on 2026-10-01, the median advertised first-visit price among the 122 clinics that showed one was $49. That is a front-door price. The package is what the patient is actually worth, and it is the number to compare against your cost per new patient. For benchmarks on acquisition cost, see cost per new patient.

What does the cash vs insurance calculator tell me?

The cash vs insurance calculator tells you what share of your current visit volume you need to keep, at your cash rate, to match the net revenue you collect from insurance today. It takes your weekly insurance visits, average reimbursement, collection rate, billing cost, planned cash rate and the share of volume you expect to keep. With the defaults, 80 visits at $95, 90% collected, 8% billing cost and a $175 cash rate, you net about $6,293 a week on insurance and break even keeping 46% of volume, about 37 visits a week. Keeping 50% nets about $6,790. The reference figures for each input, with sources and dates, are on the cash vs insurance calculator page.

When should I use the cash vs insurance calculator?

Use the cash vs insurance calculator when you are deciding whether to drop insurance, drop one payer, or add a cash-only service line. Run it three times: a cautious case where you keep 30% of volume, a middle case, and an optimistic case. If even the cautious case is close to break-even, the risk is lower than it feels. If you need to keep 70% or more, the math says raise the cash rate, stay hybrid for now, or build a cash patient pipeline before you switch. The calculator compares revenue only, so it leaves out the extra marketing a cash clinic usually needs. The full decision, including Medicare rules, is in should I drop insurance.

How should I read the calculator results?

Read the results as a range around your real numbers, not a forecast. Every calculator here is simple multiplication, which makes it easy to check and easy to fool yourself with. The best habit is to change one input at a time and watch what moves the result the most. In the missed call calculator, the booking rate usually matters most. In package pricing, it is visits per plan of care. In cash vs insurance, it is the gap between reimbursement and your cash rate. That sensitive input is where to spend your effort getting a real number, from your call log, your discharge data or your biller. Treat it like testing a training change with an athlete: change one variable, measure, then decide.

What should I do after running the calculators?

After running the calculators, pick the one number that surprised you most and fix that first. If missed calls cost more than your ad budget, set up a missed-call text back and after-hours coverage before you spend another dollar on ads; the front desk hub lays out the order. If your package price looks low against your income target, raise it and rewrite the phone script so the front desk can say the new number without flinching. If the cash vs insurance break-even looks reachable, start building cash demand while you still bill insurance. And if you want to see what clinics in your city advertise and charge, get the free local ad report from the button below.