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Does Insurance Cover Physical Therapy? 

Does Insurance Cover Physical Therapy? 

August 25, 2023
By Next Level Physical Therapy

Physical therapy is a highly effective treatment that eases pain and discomfort while restoring movement and function. Therapists help their patients improve their quality of life using hands-on care, prescribed exercise, and patient education. Although physical therapy offers patients an effective means of pain relief and improved function, those thinking of treatment often worry about its costs and whether their medical insurance will cover it.

If you are suffering from physical discomfort, pain, or loss of function, you might be a good candidate for physical therapy. At Next Level PT, our Santa Clarita physical therapists offer a wide range of effective treatments and will develop a unique plan that addresses your specific needs. Contact us online or call (661) 678-9787 today to get started.

Is Physical Therapy Covered by Insurance?

A primary concern of patients is whether their PT will be covered by their medical insurance. Fortunately, most insurance carriers do cover some, if not all, of an insured’s physical therapy, as long as the therapist accepts insurance and the treatment is considered medically necessary. This includes benefits provided by Medicare, workers’ compensation, and private insurers. 

Patients do need to keep in mind that they may be responsible for a co-pay typically due at each visit. Co-pays for physical therapy generally range anywhere between $10 - $50. Individuals wishing to begin treatment should contact their insurance company to confirm coverage. If their visits are covered, patients should also ask whether they will be responsible for a co-pay and, if so, how much the co-pay will be.

What Happens If My Insurance Company Won’t Pay for My PT?

If your insurance doesn’t cover the cost of physical therapy or your carrier doesn’t feel the PT is medically necessary, you might be faced with paying for the therapy “out-of-pocket.” The cost of a physical therapy session varies greatly. However, the average cost of a visit can run anywhere from $75 to $200, depending on the types of therapy and equipment used. 

If your therapy is not covered by insurance, we recommend speaking with your physical therapist to discuss the details of your treatment plan and what you can expect to pay.

What is Physical Therapy?

Also known as PT, physical therapy involves a series of techniques and exercises that aim to treat injured patients or those who have limitations in functional mobility. This effective form of therapy generally results in a significant increase in function, improvement in mobility, and reduction of pain. Physical therapy can be used as both a corrective and preventative measure.

Who Does Physical Therapy Help?

Physical therapy can benefit nearly everyone, but is especially helpful to those who have suffered an injury or illness that has caused physical impairment, a loss of function, or persistent pain or discomfort. Physical therapists also treat individuals recovering from surgery or suffering from neurological disorders.

Physical Therapy Treats the Following Conditions and Symptoms

Our experienced physical therapists in Santa Clarita have effectively treated patients with a wide range of injuries and conditions, including but not limited to:

  • Ankle and Foot Injuries
  • Arthritis
  • Head and Neck Injuries
  • Stroke
  • Sports Injuries
  • Traumatic Brain Injury
  • Spinal Cord Injury
  • Carpal Tunnel Syndrome
  • Headaches
  • Limited Range of Motion Caused by Overuse
  • Lymphedema
  • Burns
  • Joint Replacement (Hip, Shoulder, and Knee)
  • Muscular Dystrophy
  • Huntington’s Disease
  • Parkinson’s Disease
  • Pelvic Floor Dysfunction

How Does Physical Therapy Work?

Physical therapy involves several effective techniques, including exercises, stretches, massages, and the use of stimuli, such as heat, cold, ultrasound, and electrical currents. The therapeutic methods used depend on the type and severity of the patient’s condition. A licensed physical therapist will perform an in-depth examination, which may include various tests and hands-on assessments, in order to identify and treat a patient’s specific needs.

Do All Physical Therapists Accept Insurance?

Some but not all, physical therapists accept insurance. That is why it is essential to talk to your physical therapist before you begin treatment to see whether they accept insurance and, if so, whether your provider is one of the insurance carriers they accept. 

Looking for the Best Physical Therapy in Santa Clarita? Call Next Level PT Today!

Are you suffering from chronic pain or a lack of movement or function? The Santa Clarita physical therapists at Next Level PT can help. Our team wants to help our patients achieve a life free of pain and limitations. We do all we can to provide our patients with a recovery that is not only effective but also affordable. That is why we are happy to accept most insurance plans. 

When you visit our office, our therapists will thoroughly examine, evaluate, diagnose, and treat your pain and impairment, helping to improve your quality of life. Our Doctors of physical therapy, personal trainers, and massage therapists are dedicated to helping you feel better, so you can resume your day-to-day tasks and participate in the activities you enjoy. Call (661) 678-9787 to schedule an appointment.

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