How Much Does Physical Therapy Cost: Factors and Coverage Options

    how much does physical therapy cost

    Physical therapy can be an important part of your recovery if you have an accident, long-term pain, or trouble moving around. People know it can help recover function, ease pain, and improve quality of life in general. However, one of the most common concerns people have is about the cost of physical therapy.

    The Average Physical Therapy Cost

    Physical therapy without insurance can cost a range, depending on where you go and what kind of session you have. Here’s a general idea of what you might pay:

    • An initial evaluation at a private office: $150 to $200
    • An initial evaluation at a hospital facility: $400 to $500
    • A follow-up visit at a private office: $80 to $120
    • A follow-up visit at a hospital facility: $300 to $400

    These prices can change based on where you live and other factors. It’s also important to note that insurance coverage for physical therapy has decreased in recent years, which has led to higher costs for patients.

    Estimating the Cost

    The cost of physical therapy without insurance changes depending on the injury, treatment duration, and where you go. For instance, private practices, physical therapy chains, and hospitals might have different costs. You can estimate the total cost of treatment without insurance by assuming each session costs about $120 per hour. For exact costs, it’s wise to talk to your physical therapy and insurance providers directly about your specific needs and coverage.

    How much is physical therapy with insurance?

    Insurance plans can help cover the cost of physical therapy, but they vary depending on your specific plan. Here are some common scenarios:

    • Copay: Some plans have a fixed copay, like $25 to $50 per visit. After you pay your fee, the insurance company will pay the rest of the cost.
    • Deductible: Other plans need you to cover a deductible, which can range from $2,000 to $5,000. After you’ve met your deductible, your insurance will cover the rest of the cost. The services you receive and the length of time you require them will determine your duty as a patient.
    • Coverage Before Deductible: Fewer insurance plans cover physical therapy before you meet your deductible. These deductibles can be high, up to $7,000 per person. Some plans additionally require a provider’s reference.

    It is critical to consult with your insurance provider to determine how your plan covers physical therapy. Direct access regulations differ by state and allow you to see a physical therapist without a referral from your primary care provider.

    Why is physical therapy so expensive?

    Physical therapy can seem expensive, but there are reasons behind the costs:

    • Specialized Training: Physical therapists undergo extensive training and need licenses to practice. Their expertise comes at a cost.
    • Personalized Care: Each patient receives a specific treatment plan. This individualized approach necessitates additional time and resources.
    • Equipment and Facility: Clinics need specialized equipment and a clean facility. These add to the overhead costs.
    • Ongoing Care: Many patients need regular follow-up appointments, which can add up over time.
    • Insurance Rates: Clinics negotiate rates with insurance companies, which can be lower. To compensate, they might charge more for self-pay patients or those with limited insurance coverage.

    While physical therapy may be expensive, investing in your health can yield long-term advantages. With the help of a skilled physical therapist, you can improve your mobility, reduce pain, and possibly avoid more expensive treatments later on.

    Ways to Save Money on Physical Therapy Cost

    If you’re worried about the cost of physical therapy, here are some tips to help you manage your expenses:

    • Use In-Network Providers: If you have health insurance, choosing a physical therapy provider that is in-network can lower your out-of-pocket costs.
    • Consider Outpatient Clinics: Hospital-based outpatient clinics sometimes have lower rates than private practices.
    • Ask About Payment Plans: Many physical therapy facilities offer income-based payment plans or rates to help you afford treatment.
    • Talk to Your Therapist: Be honest with your physical therapist about your financial situation. They may be able to modify your treatment plan or recommend more cost-effective alternatives.
    • Check Community Resources: Some hospitals, universities, or community centers offer discounted or low-cost physical therapy services.

    Get to Know the Cost of Physical Therapy

    Understanding the cost of physical therapy is important. Without insurance, a session can range from $75 to $350 or more. Insurance can help, with copays usually of $10 to $50 per session. To save money, consider in-network providers, outpatient clinics, and payment plans. Check with your insurance provider for coverage details.