How Much Physical Therapy Will Cost You Without Health Insurance

Some people use physical therapy is an alternate option instead of surgery in some cases. When people are looking to avoid invasive procedures, and a doctor recommends it, physical therapy may be covered by certain health insurance plans. Physical therapy may also be medically necessary after certain procedures or injuries in order to recover properly. Physical therapists are healthcare professionals and have to be licensed. In addition, certain standards must be adhered to in order to practice. Using plans that are developed by physical therapists, people can manage pain, prevent future injuries and health situations, restore mobility, and more. People have concerns about how much physical therapy will cost them and whether or not they can afford it.

With this in mind, knowing whether or not your health insurance plan will cover physical therapy is great information to know.

Will Your Health Insurance Cover Physical Therapy?

The most likely answer to this is yes. In most cases, a person’s health insurance plan will cover physical therapy needs. Of course, it will need to be determined that your physical therapy is needed from a medical perspective. Plans available due to the Affordable Care Act, which includes marketplace health insurance plans or any qualified health insurance plan are required to cover rehabilitative devices and services. This means that physical therapy is covered as long as it is deemed to be medically necessary.

The majority of health insurance companies, as well as employer-sponsored health insurance plans, will offer coverage for physical therapy. There are cases where a person may decide to pick an unqualified health insurance plan which does not include the minimum essential benefits required by the Affordable Care Act. These plans are sometimes short term health plans. Take the time to research your health insurance needs, and when selecting a plan, make sure those needs are covered. If those include physical therapy, get a plan that covers it. The average cost for physical therapy when a person does not have insurance can add up quickly and be quite expensive.

Average Cost Of Physical Therapy Without Health Insurance

Physical therapy can be a costly endeavor, though it is often less costly than other pain management procedures, or surgery for that matter. The prices a person pays for physical therapy can vary based on the type of physical therapist you are seeing, as well as the type of therapy received. In most cases, physical therapy will cost a person between $50 and $400 per session. At one or two sessions per week, this can add up quickly. If these prices seem very high or unaffordable, you may want to consider getting a health insurance plan that covers physical therapy services. Spending thousands of dollars on physical therapy makes it very costly. Fortunately, most physical therapy services are not an everyday or every week type of thing.

People have to make decisions about their healthcare all the time. Weighing the pros and cons of each type of pain management service available for your situation is essential. These must be weighed against other options as well, including physical therapy and surgery. Knowing what the costs of physical therapy are as a person who has health insurance is essential. Also, you will want to keep in mind that there are other cost-saving strategies available.

Cost Of Physical Therapy With Health Insurance

With health insurance, physical therapy can be a lot less expensive. By choosing physical therapists that are in your health insurance coverage network, you will spend less money on average per session. This can be a great way to save money on your medical needs in general, including things that are not in the physical therapy category. There are some cases where your health insurance plan will only cover a limited amount of physical therapy, but in many cases, it will cover most. The costs you have for physical therapy will vary from one plan to the next, so you will need to compare policies to review what the costs would be. In most cases, people will pay a co-pay of around $20-$80 per physical therapy session. In addition, often 10% to 15% of the cost will be charged to you as part of your coinsurance.

If you know that you will be needing physical therapy, you may want to opt for an insurance policy that pays for up to 90% of the costs of your physical therapy after your co-pay.

How To Reduce Costs For Physical Therapy

There are other ways to reduce the cost of your physical therapy. One of the ways that people without health insurance save money on physical therapy is by negotiating for lower rates in exchange for cash payments. There will be fewer administrative costs associated with the therapy, and your physical therapist is likely to be happy with an arrangement like this as well. Other people choose to spend less time with their physical therapists and focus on developing an at-home plan with their therapist, so fewer sessions are needed overall.