Medical bills can get expensive in a hurry, which is why cost is one of the first things our mind turns to when we find out that we need medical care. Health insurance can certainly help to offset a portion of these costs, but your policy typically has some restrictions as to what’s covered and what you’ll have to pay out of pocket. Is physical therapy covered by health insurance, or can you expect them to deny your claim? We explain if physical therapy is covered by insurance in today’s blog.
Will Health Insurance Pay For Physical Therapy?
Since every health insurance plan is different, we can’t sit here and say that physical therapy will certainly be covered by your health insurance plan. Fortunately, in the majority of cases, physical therapy is covered by your health insurance plan when the care has been deemed medically necessary. If you’ve suffered an injury or are recovering from surgery and treatment at the hands of a physical therapist would be beneficial to your recovery, your sessions will be partially or fully covered.
Again, we can’t speak in specifics, which is why we want patients to know that it is their responsibility to check with their insurance provider to learn more about their coverage. On our insurance and HIPAA form, we ensure that patients know that they are responsible for reaching out to their insurance provider to learn about their health insurance coverage, as continual changes in plans and benefits mean that we can’t access your benefits and tell you whether or not you’re covered. But again, in the majority of cases, medically necessary physical therapy is covered under most insurance plans.
We strive to accept a wide variety of health insurance plans so that you have access to the therapeutic services you need. Health insurance plans that we accept include:
- Aetna
- America’s PPO
- Automobile Insurance
- Blue Cross
- Humana
- Medica
- Medicare
- Minnesota Health Care
- Patient Choice
- PHCS/Multiplan
- Preferred One
- UCare
- UHC
- Workers’ Compensation
To recap, we can’t say for certain whether or not your physical therapy sessions will be covered, but if you have one of the above providers and would benefit from PT services, odds are your care is partially or fully covered. You may have a small co-pay to handle while insurance picks up the rest, but you’ll want to reach out to your insurance provider for specific answers based on your situation and your plan’s coverage.
For more information, or to set up your first physical therapy appointment, reach out to the team at OrthoRehab Specialists today at (612) 339-2041.
PT of Costa Rican National Soccer Team for 2007 World Cup in Victoria, CAN. Clinical Instructor for University of Minnesota Doctor of Physical Therapy Affiliations
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