Is physical therapy covered by health insurance?
Health insurance covers most forms of physical therapy, but coverage varies with each plan. Some people choose to pay for physical therapy directly, even if their policy does not cover their program or if their benefits have run out. (APTA “For Your Health”, 2003 p. 3) Your health plan may require you to see a specific provider. Ask your doctor, check your insurance company’s current provider listing, or find a SATnet clinic that accepts your insurance plan. We accept most private insurance plans, Medicare, workers’ compensation, and PPO’s. Many of our clinics contract with United Healthcare and Blue Cross. Medicare coverage under Part B, currently is limited to $1500.00 per year (approx. 17 visits). Legislation is current pending to remove the limit on benefits. Secondary insurance plans generally cover whatever balance is remaining after Medicare reimburses the therapist for their care.
