What you need to know before starting treatment. If you’re considering physical therapy to recover from an injury, manage chronic pain, or improve mobility, you might be wondering: “Is physical therapy covered by my insurance?” The good news is that in most cases, yes. Most major health insurance plans—including Medicare, Medicaid, and private insurers like Aetna, Cigna, UnitedHealthcare, and Blue Cross Blue Shield—do cover physical therapy services. Coverage usually depends on:
Medical necessity
A referral or prescription from your doctor
Your plan’s deductible and copayments
Depending on your insurance plan and state laws: Some plans require a referral from your primary care doctor or a specialist. Others allow direct access, meaning you can schedule an evaluation with a physical therapist without a referral. In the clinic, the front desk person always verifies your coverage and referral requirements before your first visit—so there are no surprises. If you don’t have insurance, that doesn’t mean you can’t get care. Here at Physical Therapy Now, we offer: Affordable self-pay rates, discounted therapy packages, flexible payment plans. Your health shouldn’t have to wait because of coverage issues. Our goal is to make your experience easy, affordable, and stress-free. If you’ve been putting off therapy because of insurance questions, we’re here to help.
Call your nearest Physical Therapy Now clinic and we’ll walk you through your benefits, coverage, and options—so you can start your recovery journey today.
¨If you or someone you know might need physical therapy, please call us at 305-570-1633, or if you are interested in opening a Physical Therapy Franchise. Email us franchise@physicaltherapynow.com or visit our website at https://physicaltherapynow.com/franchise/¨
