A doctor often prescribes physical therapy for various reasons. They may suggest physical therapy to help treat an injury or assist with recovery after surgery. Or they may recommend physical therapy to help manage chronic pain. Whatever the reason, it’s clear that physical therapy is sometimes considered a medical necessity. Because of this, it’s often covered by most medical insurance plans.
Physical Therapy Costs Covered by Insurance
Insurance typically covers the main costs as long as a doctor has prescribed your physical therapy. Your insurance company may cover most of the costs outside of a co-pay. However, it’s important to call a physical therapist’s office beforehand to confirm it. The staff at the office is experienced with many different plans and can usually guide you in the right direction.
Physical Therapy is an Essential Benefit
For your insurance company to cover your physical therapy sessions, they need to consider it an “essential benefit.” They generally consider your physical therapy essential to manage a chronic condition or rehabilitation after surgery. This is why it’s important to receive a prescription from your doctor. It’s in the insurance company’s best interest to follow the doctor’s orders and ensure you heal quickly and effectively!
Ask Your Insurance Company
Most insurance plans will list covered treatments under your plan on their website. But if you’re unsure about how much they cover, call your insurance company and ask. The more details you have, the better. Your insurance company can tell you what your out-of-pocket costs will be and how many appointments will be covered.
Here at Activity First Physical Therapy, we can help sort out your insurance questions. Give us a call today to see if we accept your insurance plan. Our staff is experienced with many different plan types, so we will probably be able to help!