Is Physical Therapy Covered By Insurance? Find Out Now!

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Physical therapy is a form of healthcare treatment that aims to improve mobility, reduce pain and restore physical function. It usually involves a combination of exercise, manual therapy, education, and other techniques personalized to meet the individual needs of the patient.

If you are considering physical therapy as part of your medical care plan, you may be wondering if it’s covered by insurance. With the rising cost of healthcare in the US, understanding what services your health insurance policy covers can save you from financial surprises later on.

In this blog post, we will explore whether physical therapy is typically covered by insurance, what types of policies tend to cover these services, and any restrictions or limitations that may affect your coverage. By the end of this article, you’ll have a good idea of how to navigate the complex world of insurance coverage for physical therapy and make informed decisions about your treatment options.

“Your roadmap to physical therapy coverage begins here.”

Understanding Physical Therapy

If you’re recovering from an injury or dealing with a chronic condition, physical therapy may be the solution you need to help regain your strength and mobility. But before starting this type of treatment, it’s important to understand how it works, its benefits, what to expect during sessions, and whether insurance covers it.

The Benefits of Physical Therapy

Physical therapy can help improve your quality of life by reducing pain, increasing mobility, and preventing further injuries. Depending on your specific situation, some potential benefits include;

  • Pain relief: Through different techniques such as massage, exercises, and stretches, physical therapists aim to ease pain caused by conditions like fibromyalgia, arthritis, back pain, sports injuries, etc.
  • Better coordination and balance: As you recover from an injury that affects your motor skills, physical therapy helps develop movements and build new patterns that improve coordination challenges linked to neurological problems and conditions such as stroke, multiple sclerosis, Parkinson’s disease, among others.
  • Increase range of motion: Certain exercises and frequent stretching can help loosen up tight muscle and joints improving flexibility and movement in those areas.
  • Faster recovery time: Physical therapy aims to facilitate a quicker return to regular activities after illness, surgery, or injury through careful management and progression of treatments adapted to individual needs and goals.
  • Avoiding Surgery: Sometimes through specific strengthening interventions, avidance of medication and interventive procedures or therapist-led rehab programmes, patients are able to achieve their restore pre-injury function without having to undergo invasive surgical routes.

How Physical Therapy Works

Physical therapy is not just about treating symptoms but finding the underlying cause of the problem. Physical therapists work with you to develop a customized program that aims at restoring your health, ensuring optimum physical performance, and minimizing the risk of re-injury.

During visits, they use different techniques such as:

“Physical therapy works by empowering individuals to manage their own symptoms effectively.” – The American Physical Therapy Association
  • Exercise: Specific targeted movements or stretches designed to alleviate symptoms while also improving strength, mobility, and range of motion.
  • Manual therapy: Hands-on interventions that seek to improve circulation, trigger point release, alignment/normalisation of tissues and joint mobility,etc..
  • Pain management/modulation : Aims at reducing the perception of pain and inflammation through various modalities like electric stimulation, acupuncture, massage, hot/cold therapy etc

What to Expect During Physical Therapy

The initial visit is when the therapist assesses your needs, medical history, functional limitations, develops a treatment plan, and sets goals for rehab. They might also check insurance coverage to avoid surprises later.

  • Gait analysis : Evaluating walking difficultites can help determine balance issues, leg pain and identify patterns contributing to mobility problems.
  • Counseling, coaching, and education around how to expedite recovery and reduce injury risks through changing certain habits/lifestyles if necessary.
  • Muscle strengthening- Therapists will give you specific exercises targeting your injured muscles aiming at gradually increasing resistance and repetitions to enhance muscle tone without causing further damage.
  • Assistive Device Training: Depending on your level of injury or impairment, a physical therapist may teach the patient how to safely use mobility assisting devices like canes or walkers and emphasize proper use of protective equipment relating to sports injuries.

How to Find a Qualified Physical Therapist

Finding the right physical therapist might be challenging, but it’s an important first step in your recovery journey. Use these tips when making your choice:

  • Assess Qualifications: Verify that they are licensed and certified by relevant agencies as proof of their qualifications and training.
  • Experience & Specialization-Physical therapists receive additional education on specific areas such as orthopedics,pediatrics, gerontology etc so finding one with experience treating patients with similar conditions may improve outcomes and treatment progression
  • Patient Reviews/Referrals- Speak to other people about their experiences with the therapist, and check reviews online for more insight
  • Insurance Networks : Confirm whether they participate in your insurance plan or not because out-of-network providers will often result in higher costs to manage if that’s not within your coverage options..

Types of Insurance That Cover Physical Therapy

Private Health Insurance

If you are wondering if physical therapy is covered by insurance, the answer is yes. In fact, many private health insurance plans offer coverage for physical therapy sessions. Depending on the type of plan and provider, your insurance may cover anywhere from a few sessions to an unlimited number per year.

It is important to note that many private health insurance providers require pre-authorization or a referral from your primary care physician in order to receive coverage for physical therapy. Additionally, not all physical therapy services may be covered under your insurance plan, so it is always best to check with your provider beforehand.

“Most insurers will limit the number of visits or require pre-approval before authorizing payment,” says Michael Lo Sasso, associate professor in the division of health policy and administration at the University of Illinois at Chicago School of Public Health. -U.S. News & World Report

Some common types of private health insurance plans that offer coverage for physical therapy include PPO (preferred provider organization) plans, HMO (health maintenance organization) plans, and POS (point-of-service) plans. If you have any questions about whether your specific health insurance plan covers physical therapy, contact your provider directly.


In addition to private health insurance plans, government-sponsored programs such as Medicare and Medicaid also offer coverage for physical therapy services.

Under Medicare Part B, individuals who meet certain criteria (such as having a doctor’s prescription for physical therapy and meeting the deductible) can receive coverage for outpatient physical therapy services. This includes treatment for injuries, illnesses, and conditions affecting mobility.

Similarly, Medicaid offers coverage for physical therapy services in most states. However, exact coverage policies may vary based on your state’s specific Medicaid program.

“Physical therapy can be vital for people recovering from a stroke, surgery, or an accident,” says Tricia Neuman, senior vice president and director of the Program on Medicare Policy at the Kaiser Family Foundation. -U.S. News & World Report

It is important to note that while government-sponsored programs such as Medicare and Medicaid offer coverage for physical therapy, there may be limitations on the number of sessions covered per year or types of services covered.

If you are unsure whether a particular physical therapy service or treatment is covered by your insurance plan, it is always best to contact your provider directly or consult with your primary care physician.

  • In summary:
  • Private health insurance plans often cover physical therapy services, but require pre-authorization or referral from a primary care physician in some cases.
  • Government-sponsored programs such as Medicare and Medicaid also offer coverage for physical therapy services, but limitations may apply.
  • Contact your insurance provider directly if you have questions about coverage for physical therapy.

Limitations and Restrictions on Coverage

Physical therapy is a medical treatment that helps restore mobility, reduce pain, and prevent or limit permanent physical disabilities of patients. As it serves key functions in the field of healthcare, many people wonder if insurance companies cover the costs associated with physical therapy.

Visit Limits

When it comes to health insurance coverage for physical therapy, there may be limitations and restrictions put in place by the policy provider. One of such limitations is visit limits. The number of visits covered by insurance varies according to the plan, but often ranges between 20 to 40 sessions per year.

If you require more physical therapy sessions than the maximum allowed by your insurance plan, you will need to pay out of pocket for any additional appointments you attend. To avoid this scenario, you may choose an insurance plan that doesn’t have such visit limits.

Pre-authorization Requirements

In some cases, prior authorization may be required before receiving physical therapy services. This process involves submitting a request to the insurance company for approval before starting treatment.

The insurance company will review the request and assess whether or not the services are medically necessary and covered under your plan. Without prior authorization, your insurance company may deny claims made for physical therapy treatment and you’ll be left covering all costs incurred during the procedure.

Exclusions and Limitations

It’s important to note that certain types of physical therapy treatments might be excluded from coverage by some health insurers. Before starting treatment, you ll need to check with your insurance provider to understand which treatments are covered and which are not.

  • For example, cosmetic procedures like facial physical therapy may not be covered under most standard insurance policies.
  • Lifestyle enhancement services like sports performance therapy or vocational rehabilitation may also be excluded from insurance coverage.
  • Alternative therapies, such as acupuncture and chiropractic care, are not typically covered by most health insurers.

Out-of-Network Providers

If you opt for physical therapy treatment outside of your network provider, it might not be covered under some insurance policies. Most health insurers have a list of providers in their network who are qualified to provide physical therapy treatments to its policyholders at an affordable cost.

When you seek treatment with an out-of-network provider, the costs associated with physical therapy treatment would increase and benefits payable by insurance companies under this treatment would generally decrease or become non-existent. Always check with your insurance plan’s details to see if out-of-network physical therapy is covered.

“The restrictions on coverage when it comes to physical therapy often make it more difficult for patients to get proper treatment. Patients should always know what is and isn’t included in their coverage so they can explore other options beforehand.”

While health insurance plans differ on whether they cover physical therapy, understanding terms of agreements like visit limits, pre-authorization requirements, exclusions and limitations, and out-of-network providers will give you insight into how best you can utilize the medical benefits associated with them.

Co-Pays and Deductibles for Physical Therapy

Understanding Co-Pays

A co-pay is a fixed amount of money that you pay out-of-pocket each time you visit your physical therapist. The cost of the co-pay varies depending on the type of health insurance plan you have, but it usually ranges from $15 to $50 per session.

If you have a high-deductible health insurance plan, you may have a separate co-pay for each physical therapy visit until you reach your deductible. Once your deductible has been met, you’ll only be responsible for the co-insurance percentage or flat rate fee set by your insurance provider.

“A co-pay is essentially your share of the payment for any medical service,” says Dan Castillo, Health Insurance Expert at

Deductibles and Physical Therapy

A deductible is the amount of money you have to pay out-of-pocket before your insurance benefits kick in. If you need physical therapy, you’ll typically have to meet your deductible first before your insurance provider starts covering your costs. The size of the deductible depends on your specific policy, but most deductibles range from $500 to $5,000 per year.

Once you’ve paid your deductible, your insurance provider will start covering a certain percentage of your physical therapy costs, typically 80%. But keep in mind that some policies require you to pay a co-insurance fee rather than a flat rate co-pay once your deductible has been met. Again, this all depends on the specifics of your policy so be sure to read it carefully.

“Before enrolling in a health insurance plan, make sure you understand how your deductible works and what kind of expenses count toward it – such as any physical therapy sessions you may have.” – Dave Haney, Founder of the Health Insurance Nerd

Out-of-Pocket Maximums

An out-of-pocket maximum is the most you’ll have to pay for medical expenses in a given year under your health insurance plan. Once this limit has been reached, your insurance provider will cover all remaining costs at 100%. This includes any physical therapy sessions you may require.

The specific amount of the out-of-pocket maximum varies depending on your policy and can range from $1,000 to $20,000 per year. It’s important to note that deductibles, co-pays, and even some coinsurance payments count toward your out-of-pocket maximum, so it’s possible to reach this limit quickly if you have several medical bills to pay each year.

“Always remember to review your health plan guidelines to see what services are covered before scheduling any appointments with your physical therapist – knowing your deductible and out-of-pocket maximum can help lessen those unexpected medical bills.” – Kyle Kates, VP of Operations at

Co-Insurance and Physical Therapy

If your insurance policy requires you to pay a percentage of your medical expenses rather than a flat-rate co-pay, you’re responsible for paying a certain percentage of the cost of each physical therapy session until your deductible has been met. For example, if your co-insurance rate is set at 20% and you have an appointment that costs $100, you would need to pay $20 out of pocket.

After you’ve met your deductible, your insurance provider will start covering a certain percentage (usually 80%) of your physical therapy costs, leaving you responsible for the remaining percentage (usually 20%). So, if your monthly physical therapy bill was $400, and you had already satisfied your annual deductible, then you would pay $80 and your insurance provider would pay the remaining $320.

“When it comes to physical therapy, co-insurance is a common way for insurers to provide you with basic medical benefits while keeping costs down. However, before signing up for coverage, make sure you understand how much you will be responsible for covering in co-insurance for each visit.” – Howie Schaffer, Healthcare Insurance Expert at
In conclusion, understanding your health insurance policy’s rules regarding physical therapy coverage is essential. Co-pays, deductibles, out-of-pocket maximums, and co-insurance rates vary widely depending on your specific plan. Be sure to read through all the details of your policy and talk to an expert if necessary to understand what kind of financial responsibility you may have for coverages related to physical therapy.

Out-of-Network Providers and Insurance Coverage

What is an Out-of-Network Provider?

When you’re seeking health services, such as physical therapy, your health insurance plan may offer different coverage options based on whether the provider is in-network or out-of-network. An out-of-network provider is a healthcare professional who does not have a contract with your insurance company to provide services at a discounted rate.

In contrast, in-network providers are those that have pre-negotiated contracts with your health insurance company to accept a set payment amount for their services. As an insured person, when you utilize an in-network provider, you typically pay less out of pocket than if you were to use an out-of-network provider.

If an out-of-network provider provides care to you, any benefits offered by your health plan will be applied towards the “out-of-network” deductible rather than any available deductibles for in-network service.

Out-of-Network Coverage for Physical Therapy

Physical therapy is known to help reduce pain and restore mobility to individuals undergoing treatment. However, one of the major concerns many patients face is its cost and whether it’s covered by insurance.

If your health plan covers out-of-network providers, they might also cover physical therapy provided through an out-of-network provider.

To know this information accurately, you must check with your insurance plan directly. While some insurance plans cover partial expenses like appointments, assessments, and evaluations of out-of-network physical therapists, others don’t cover them at all.

Your out of network coverage can also differ depending on whether you opt for a preferred provider organization (PPO) or a health maintenance organization (HMO).

“If your insurer doesn’t cover care outside its own network, you’ll have to pay the balance yourself, although you might be able to negotiate with providers”, says Lisa Zamosky at WebMD.

It’s essential to do some research before scheduling a visit with an out-of-network physical therapist. You should also understand how much your insurance is likely to cover and whether there will be any additional costs not covered by your policy.

Many insurance plans offer coverage for physical therapy from out-of-network providers, but benefit options still vary significantly. So instead of relying on assumptions, patients must verify their benefits directly with their insurers themselves.

How to Maximize Insurance Coverage for Physical Therapy

Knowing Your Benefits and Coverage

Before beginning physical therapy, it is important to understand your insurance benefits and coverage. Not all insurance plans cover physical therapy in the same way, so it is important to know what services are covered under your plan.

You can find this information in your insurance policy or by calling your insurance provider. Be sure to ask about any limitations or exclusions related to physical therapy. Some policies may have limits on the number of visits per year or require pre-authorization before treatment can begin.

“Understanding your health insurance benefits and how they apply to physical therapy can help you avoid unexpected costs.”

Getting Pre-Authorization

Many insurance providers require pre-authorization before physical therapy services can be rendered. This means that your doctor must submit a request to your insurance company explaining why physical therapy is necessary and the proposed course of treatment.

To streamline the pre-authorization process, make sure that your doctor includes all relevant medical information in their request. They should also verify that the physical therapist is in-network with your insurance plan.

“By getting pre-authorization, both you and your insurance provider can have greater confidence in the necessity of physical therapy as a form of treatment.”

Choosing In-Network Providers

In-network providers are physical therapists who have contracted with your insurance provider to provide care at discounted rates. Choosing an in-network provider can help reduce out-of-pocket expenses and maximize insurance coverage for physical therapy.

Your insurance provider can give you a list of in-network providers in your area, or you can use their online directory to search for providers near you. It is important to keep in mind that just because a provider is in-network, it does not necessarily mean that they are the best fit for your individual needs.

“Choosing an in-network provider can help you save money and ensure that your insurance provider covers as much of your physical therapy treatment as possible.”

Using FSA/HSA Funds for Physical Therapy

If you have a flexible spending account (FSA) or health savings account (HSA), you may be able to use these funds to pay for physical therapy. These accounts allow you to set aside pre-tax dollars to cover qualified medical expenses.

Physical therapy typically qualifies as a medical expense under both FSA and HSA regulations. Be sure to check with your plan administrator to see if physical therapy is a covered expense under your plan.

“Using FSA/HSA funds for physical therapy can help you save money on out-of-pocket expenses and maximize your insurance coverage.”

Understanding your insurance benefits and taking advantage of available resources such as pre-authorization and in-network providers can help you minimize your out-of-pocket costs and maximize your insurance coverage for physical therapy. By doing so, you can get the care you need without breaking the bank.

Frequently Asked Questions

Is physical therapy covered by insurance?

Yes, physical therapy is often covered by insurance. However, the extent of coverage may vary depending on your insurance plan. It is important to check with your insurance provider to see what specific services are covered and what out-of-pocket expenses you may incur.

What types of insurance cover physical therapy?

Most health insurance plans cover physical therapy, including private insurance, employer-sponsored insurance, Medicare, and Medicaid. However, coverage may vary depending on the plan, so it is important to check with your insurer to confirm what services are covered.

What is the process for getting physical therapy covered by insurance?

The process for getting physical therapy covered by insurance will depend on your specific insurance plan. Generally, you will need a referral from your primary care physician and may need to meet certain criteria to qualify for coverage. You should contact your insurance provider to confirm the specific steps and requirements for your plan.

Are there any limitations or restrictions to insurance coverage for physical therapy?

Yes, some insurance plans may have limitations or restrictions on the amount of physical therapy covered, the number of visits allowed, or the types of services covered. Additionally, some plans may require pre-authorization or a referral from a physician. It is important to check with your insurance provider to understand any limitations or restrictions on your coverage.

What should I do if my insurance does not cover the full cost of physical therapy?

If your insurance does not cover the full cost of physical therapy, there are a few options. You may be able to negotiate with your healthcare provider for a lower cost, or you may be able to use a Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover the remaining cost. Additionally, some physical therapy clinics offer payment plans or sliding scale fees for those who are uninsured or underinsured.

Can I receive physical therapy without insurance coverage?

Yes, you can receive physical therapy without insurance coverage. However, it can be expensive, and the cost may vary depending on your location and the type of services you need. Many physical therapy clinics offer payment plans or sliding scale fees for those who are uninsured or underinsured. Additionally, you may be able to use a Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover the cost of physical therapy.

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