Physical therapy is often prescribed by a doctor after surgery because it is considered a medical necessity. As a result, health insurance companies will typically cover the cost of physical therapy after most surgeries. Here’s some more information on insurance coverage for physical therapy.
Full Physical Therapy Treatment Is Typically Covered by Insurance
Unfortunately, it takes more than one visit to benefit from physical therapy. Most of the time, and especially after surgery, patients go to physical therapy several times a week. Their treatment period could last several months or even an entire year. Because of this, the cost of physical therapy can add up very quickly. However, since most post-surgery rehab programs are covered by insurance, the patient either pays nothing or a small co-pay.
Physical Therapy is an Essential for Recovering from Surgery
For insurance companies to cover a medical appointment, it needs to be classified as an “essential benefit.” Almost any time a medical doctor prescribes physical therapy after surgery, it is considered essential. Physical therapy can not only help you heal faster after surgery, but it can also help you with pain management.
Check With Your Insurance Company
Most of the time, you can see a complete list of covered treatments in the documents or online account provided by your insurance company. But if you’re unsure, call the customer service number on the back of your insurance card. They will walk you through all your benefits and will be able to answer specific questions about your physical therapy coverage. They can even tell you your expected out-of-pocket costs or the amount of your co-pay at each appointment.
If you’re not sure whether your physical therapy after surgery will be covered here at Activity First, let us know. We can help you find out!