Physical Therapy
Whether you're recovering from surgery, an injury, or managing chronic pain, physical therapy helps you regain strength and mobility. Our plans cover PT sessions so you can get back to doing what you love.
Whether you're recovering from surgery, an injury, or managing chronic pain, physical therapy helps you regain strength and mobility. Our plans cover PT sessions so you can get back to doing what you love.
Physical therapy is one of the most effective treatments for musculoskeletal pain, injuries, and surgical recovery, yet many people skip or cut short their PT regimen due to cost. Research consistently shows that completing a full course of physical therapy leads to better outcomes, faster recovery, and reduced need for more invasive interventions like surgery or long-term pain medication.
Without insurance, physical therapy sessions can cost $75 to $250 or more per visit. With most treatment plans requiring 2-3 sessions per week for several weeks or months, costs can quickly reach thousands of dollars. This financial barrier often leads patients to stop therapy prematurely, compromising their recovery and potentially leading to chronic problems.
Our health insurance plans include comprehensive physical therapy coverage that makes completing your treatment plan affordable. Whether you need PT after knee surgery, for a sports injury, to manage chronic back pain, or to improve mobility as you age, our coverage ensures you can get the therapy sessions you need without financial stress.
Recovery therapy for sports injuries, car accidents, workplace injuries, and other trauma. Personalized treatment plans help you recover strength, flexibility, and function while preventing re-injury.
Essential rehabilitation after joint replacement (knee, hip, shoulder), spinal surgery, ACL reconstruction, rotator cuff repair, and other orthopedic procedures. PT is crucial for optimal surgical outcomes.
Therapeutic exercises designed by licensed physical therapists to rebuild muscle strength, endurance, and function. Customized programs target specific weaknesses and support overall physical health.
Non-pharmaceutical treatment for chronic back pain, neck pain, arthritis, fibromyalgia, and other musculoskeletal conditions. PT can reduce or eliminate the need for pain medications.
Therapy to improve balance, coordination, and gait. Essential for fall prevention in older adults and recovery after neurological events like stroke. Helps maintain independence and safety.
Hands-on techniques including therapeutic massage, joint mobilization, soft tissue mobilization, and stretching. Manual therapy reduces pain, improves range of motion, and accelerates healing.
Treatment for musculoskeletal injuries and conditions affecting bones, joints, muscles, ligaments, and tendons. This is the most common type of PT, addressing everything from sports injuries to arthritis to post-surgical rehabilitation. Focuses on restoring function and reducing pain.
Specialized therapy for patients with neurological conditions such as stroke, multiple sclerosis, Parkinson's disease, spinal cord injuries, and brain injuries. Helps improve movement, balance, and coordination affected by nervous system disorders.
Therapy for patients recovering from heart attacks, heart surgery, or managing chronic heart and lung conditions. Includes supervised exercise programs, endurance training, and breathing exercises to improve cardiovascular function and quality of life.
Specialized care for older adults addressing age-related conditions like osteoporosis, arthritis, balance disorders, and joint replacements. Focus on maintaining mobility, preventing falls, and supporting independent living as long as possible.
Making the most of your physical therapy coverage requires understanding how your benefits work:
Some plans have annual limits on PT visits (commonly 20-60 visits per year). Others have no specific limits and cover therapy as long as it's medically necessary. Check your plan details, and know that you can often request additional visits if needed for complex conditions.
Many states allow direct access to physical therapy without a doctor's referral. However, some insurance plans may still require a referral for coverage. Check your plan requirements, though getting a referral is usually straightforward if needed.
Using in-network physical therapy clinics significantly reduces your costs. Our network includes hospital-based PT departments, outpatient rehabilitation centers, and private physical therapy practices. You have choices in where to receive care.
PT visits are typically subject to your plan's specialist copay or coinsurance after deductible. Copays commonly range from $30-$75 per visit. If you have a high-deductible plan, you'll pay full negotiated rates until meeting your deductible.
The number of sessions depends on your condition and goals. Minor injuries might require 4-8 sessions, while post-surgical rehabilitation or chronic conditions may need 12-24 sessions or more. Your physical therapist will develop a treatment plan and adjust as you progress.
This depends on your state's direct access laws and your specific insurance plan. Many patients can see a physical therapist directly, but some plans require a physician referral. Contact your insurance or check your plan documents to confirm.
Yes, you can choose any in-network physical therapy provider. Consider factors like location, hours, specialization in your condition, and patient reviews. Your doctor may have recommendations, but the choice is ultimately yours.
If you reach your plan's visit limit but still need therapy, your physical therapist can request additional visits based on medical necessity. You can also appeal if the request is denied. For chronic conditions, a home exercise program can help you maintain progress between covered episodes of care.
Yes, aquatic physical therapy (pool-based therapy) is generally covered when prescribed as part of your treatment plan. Aquatic therapy is particularly beneficial for patients with arthritis, joint replacements, or conditions where land-based exercise is too painful.
Don't let pain or injury hold you back from living your life. Physical therapy can help you recover, regain strength, and return to the activities you love. Speak with a licensed agent today to find a plan with comprehensive physical therapy coverage.