How did you guys get into PT?

I have a referral from 2 urologists but my insurance doesn’t cover it, and because of my insurance i can’t pay out of pocket because it’s a state insurance, can’t even pay for birth control out of pocket only through insurance. The only way i have figured out how i could do this would be to move onto my mom’s work insurance to be able to get into the PT but i would still pay out of pocket. So it would cost her 250 dollars a month to be allowed to pay for the physical therapy out of pocket which is god knows how much. just wondering if anyone has found a way to pay out of pocket? i’ve tried every medication except for the one that can make you blind and i feel like PT would help the most but they are just refusing to give me this access