Is Physical Therapy Covered by Insurance? What YOU Need to Know

Thinking about starting physical therapy but not sure how much it’ll cost—or if your insurance covers it? You’re not alone. For many patients, understanding insurance benefits is one of the biggest barriers to getting the care they need.

At Emery Physical Therapy, we believe cost should never be a mystery, and we’re here to help you understand your options, your coverage, and how to get started without financial stress.

The Short Answer: Yes, Physical Therapy Is Usually Covered

Most health insurance plans do cover physical therapy, but the details vary based on your provider, your plan, and whether your therapist is in-network.

Physical therapy is commonly covered under:

• Employer-sponsored insurance (like Blue Cross Blue Shield, Aetna, UnitedHealthcare)

• Medicare and Medicare Advantage

• Medicaid (depending on your state’s plan)

• Workers’ Compensation

• Auto insurance (after an accident with injury)

That said, the amount covered, the number of visits allowed, and your out-of-pocket responsibility can differ greatly.

Key Terms to Know Before Starting PT

Understanding a few basic insurance terms can help you navigate your benefits more confidently:

• Deductible: What you pay out-of-pocket before your insurance starts covering services

• Copay: A fixed amount you pay per visit (e.g., $25)

• Coinsurance: A percentage you pay after meeting your deductible (e.g., 20%)

• Out-of-pocket maximum: The most you’ll pay in a year before insurance covers 100%

• Pre-authorization: Some plans require approval before starting PT

At Emery Physical Therapy, our front office team is happy to verify your benefits and explain everything before your first visit.

What Insurance Plans Does Emery Physical Therapy Accept?

We proudly accept most major health insurance plans, including:

• Blue Cross Blue Shield (PPO & HMO)

• Aetna

• UnitedHealthcare

• Cigna

• Medicare

• Medicare Advantage plans

• Workers’ Compensation cases

• Personal Injury and Auto Accident claims

Not sure if we take your plan? Just give us a call at (847) 786-2014—we’ll be glad to check.

What If I Don’t Have Insurance or My Plan Doesn’t Cover PT?

We believe that everyone deserves access to high-quality care, regardless of insurance. That’s why we offer:

• Affordable self-pay options

• Customized payment plans

• Per-visit pricing with no surprise bills

• Package discounts for long-term plans

If you’re uninsured, underinsured, or using an out-of-network plan, we’ll work with you to make care affordable and accessible.

Common Questions Patients Ask About PT & Insurance

❓ Do I need a doctor’s referral?

• Sometimes. Many insurance plans don’t require a referral for outpatient physical therapy, but some do—especially HMOs or certain Medicare Advantage plans.

• We can help you understand what your specific plan needs.

❓ How many visits are covered?

• Coverage varies by plan. Some allow 20–30 visits per year, while others base it on medical necessity.

• If you need more than your plan allows, we can request additional sessions with documentation.

❓ Will I know my costs before starting?

• Yes. We’ll verify your insurance, explain any copays or coinsurance, and answer all your financial questions before your first visit.

Why Choose Emery Physical Therapy?

At Emery Physical Therapy, we’re more than just movement experts—we’re your partners in health. We’ll help you:

• Understand your insurance benefits and options

• Navigate pre-authorizations or referral requirements

• Get started with minimal delay or stress

• Receive personalized, results-driven care that fits your budget

Our patients love the transparency, flexibility, and peace of mind we provide—because no one should be confused about their care or cost.

📍 Serving Mt. Prospect & Oakbrook Terrace, IL

With two convenient locations, flexible hours, and a friendly, knowledgeable team, Emery Physical Therapy is here to help you feel better—with or without insurance headaches.

Whether you're recovering from surgery, dealing with back pain, or managing arthritis, we're here to help you get back to doing what you love.

📞 Ready to Start Physical Therapy With Confidence?

Don’t let confusion about coverage delay your recovery. We’re here to help you understand your benefits, maximize your plan, and get the care you need.

📲 Call Emery Physical Therapy at (847) 786-2014
🌐 Check your insurance or book online here
📍 Serving patients in Mt. Prospect, Oakbrook Terrace, and surrounding communities

Let us help you get started—with clear answers, affordable care, and personalized support.