How Much Does Physical Therapy Cost Without Insurance? (2023)

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Without insurance means that all costs would have to be met out of the patient’s pocket. The physical therapist may ask you to pay $150 for an assessment, but the insurance provider may only approve $75 to $100, prompting the clinic to wipe off the remaining $50. Patients who pay cash can negotiate rates with therapists, ask for a discount equal to normal insurance write-offs, and inform the company that they’ll pay cash upfront to save money on invoicing. When paying in cash, a service that costs $100 may only cost you $50.

If you have an ailment that may require surgical or another invasive procedure, physical therapy is an excellent option.

(Video) What Is The Cost Of Physical Therapy Without Insurance?

Physical therapists are qualified healthcare providers who must be licensed and follow certain guidelines to practice. Physical therapists’ regimens are excellent for treating pain, mitigating future health problems, and recovering mobility.

Physical therapy is often unavoidable, depending on the cause for your visit, so many people look for alternative ways to save money on healthcare. FirstQuote Health can help you save money on various healthcare services by assisting you with quotations. You may get low-cost urgent care services, lab testing, and prescription prescriptions by comparing quotes and comparisons.

Estimating the Cost of Physical Therapy

It’s good to know your out-of-pocket costs before physical therapy. This can be easier if you understand how physical therapy treatments are billed. The first visit is a preliminary evaluation, and this session is usually charged at a higher cost than subsequent visits. Your therapist may charge for various treatments conducted during follow-up therapy sessions. The individual components of your therapy will be billed if a physiotherapist arranges appointments with you.

Cost of Physical Therapy With Insurance

Physical therapy will most likely be covered by your health insurance plan, if not all of it. The cost of physical therapy with insurance varies based on your insurance plan. If you’re merely looking for the average price of physical therapy with medical insurance, your copay will range from $20 to $75, and your coinsurance will range from 10% to 50%.

(Video) How Much Does Physical Therapy Cost With Insurance? Insurance coverage and cost breakdown

Cost of Physical Therapy Without Insurance

Physical therapy can be expensive, although it is usually less so than other surgery or pain treatment methods. Prices vary based on the physical therapist you see and the type of therapy given to you, among other things. Physical therapy sessions with no insurance, on average, cost $50-$350 per session, according to Thumbtack.

According to GuideDoc, how much is physical therapy without insurance can be answered by breaking down some physical therapy sessions into 15-minute increments. Depending on the type of therapy, you could be charged as much as $135 for 15 minutes or $540 for a one-hour session. If these fees seem excessive, it’s time to consider acquiring insurance. With First Quote Health, you may compare some of the finest health insurance policies for physical therapy.

The average cost of physical therapy without insurance will be determined by the services you need and your physical therapist’s willingness to work with you on cost and therapy structure. According to national standards, physical therapists perform a mean of 3.4 weighted procedures during a physical therapy visit. A single PT session costs roughly $100 because the typical Medicare-approved for service is around $26 and $30 each weighted treatment. Clinics frequently charge more than insurance company allows and deduct the difference. The insurance adjuster may not apply to a cash patient, resulting in a greater cost.

Other Costs to Consider

So far, we’ve just talked about how much physical therapy costs per session, but how many visits will you need to complete your therapy? Well, just like the expense of physical therapy, that number fluctuates. You might see effects after only one physical therapy session, or it could take months or years. Expect to need 7 to 10 physiotherapy sessions on average before noticing improvement.

(Video) How Much Do Hospitals Charge For Physical Therapy?

Because you’ll almost certainly require numerous visits or sessions, your expenses will mount. The American Physical Therapy Association published a study that determined the average cost of low back pain physical therapy. According to the study, patients paid roughly $504 throughout four treatments. If you were to break it down, the average 7 to 10 sessions would cost between $882 and $1,260.

There is a slew of other considerations to make. You might need to buy medical supplies like heat packs or cold presses. These extra expenses might mount up quickly and end up costing you money.

Physical Therapy Costs By Procedure

It’s unlikely that every session will cost $100. Some visits may be shorter, while others may be much longer. The therapist must evaluate before you commence a physical therapy program. The goal of the evaluation is for the physical or occupational therapist to examine your injury or condition and create a treatment plan that will yield the best outcomes. An assessment could set you back $150 or more. The physical therapist may undertake different procedures for each session after the assessment. Some operations are billed by the minute; gait training, for example, could cost as much as $115 per quarter-hour. Functional training, electronic stimulation, therapeutic exercise, and manual therapy are common PT expenses paid every 15 minutes. They might cost anywhere from $75 to $135 for 15 minutes. Cervical traction, directions for utilizing Physiotherapy devices at home, and monitored exercise are examples of flat-rate procedures. The cost of these services is typically between $50 and $150 for each operation.

Equipment Cost

Your therapist may suggest buying goods to help you heal during your treatment. Your health insurance may or may not cover these expenses.

(Video) Does My Insurance Cover Physical Therapy? Definitions, Coverage and Payment

A cervical roll, balance board, exercise ball, lumbar roll, an assistive device such as a cane or crutches, shoulder pulleys, kinesiology tape, and resistance bands are all examples of equipment. If the equipment is approved, your physical therapist ought to be able to suggest some reasonably priced solutions for you to consider. It is not always essential to purchase the most expensive equipment, and some items, such as a lumbar roll or shoulder pulleys, can be built at home for a very low cost.

How to Lower Physical Therapy Costs

If you’re a savvy shopper, which you should be, you’re undoubtedly wondering if there are any ways to save money on physical therapy. You can, which is fantastic news! Whether or not you have health insurance, there are several methods to save money on physical therapy. Here’s how to do it.

Provider Selection

If you have health insurance, your plan most likely has a list of recommended providers from which you can choose. These medical providers have already arranged rates with your health insurance company, and you will benefit from the savings. Staying in-network for all of your medical needs, not just physical therapy, is usually a good approach to save money.

Utilize Cash Payment Negotiations

You will have to pay your physical therapist out of pocket if you don’t have health insurance or if you have but don’t like your current physician. The bright lining is that you may be ready to bargain a reduced payment because your therapy will have fewer administrative expenditures. That’s correct, and much like your health insurance company, you may bargain for low-cost physical treatment, which is a great way to save money.

(Video) Can my physical therapy session really cost $600?

Reduce Frequency of Visits

Consult your physical therapist to determine if there are any solutions to cut the time spent in each rehabilitation session or the total number of sessions. This money-saving technique will depend largely on your injury or condition, but you and your physical therapist may be able to figure out an at-home plan.


How much does it cost to get PT? ›

The national average per session cost of physical therapy can range from $30 - $400. However, with a qualified insurance plan, once your deductible is met, your total out-of-pocket cost typically ranges from $20-$60. If you do not have insurance, you may be paying between $50-$155 out-of-pocket.

How much does physical therapy cost in Michigan? ›

On MDsave, the cost of a Physical Therapy Visit in Michigan ranges from $108 to $139. Those on high deductible health plans or without insurance can shop, compare prices and save.

How long does pelvic floor physical therapy take? ›

Length of Treatment

One visit per week for eight weeks is a common scenario for pelvic floor physical therapy. However, the length of treatment will vary depending on the diagnosis, severity of the dysfunction and your individual goals.

How much is a 1 hour PT session? ›

Personal Trainer Rates Per Hour

Personal trainers charge $25 to $50 per 30-minute session, $40 to $70 per hour session, and $60 to $100 per 90-minute session. Hiring a personal trainer to come to your home costs $60 to $100 or more hourly.

Is having a PT worth it? ›

Is it worth getting a personal trainer? For many people, it is. A trainer can help you to reach important goals, help you to return to fitness after an injury, or simply provide motivation and accountability when you need it the most.

What should I do after physical therapy session? ›

Apply ice for 20 minutes at a time, applying as often as you feel necessary. 2. Drink water >> Soreness after a physical therapy session may be related to local inflammation, which produces waste products the body needs to eliminate.

What does physical therapy do for back pain? ›

Your therapist will teach proper body posture techniques for sitting, standing, and lifting that reduce the likelihood of back strain or injury. You will also learn specific exercises to do at home. Regularly performing these recommended home exercises can help your back muscles strengthen more quickly.

Does Medicare pay for physical therapy after surgery? ›

En español | Yes. Medicare covers physical therapy that's considered medically necessary to treat an injury or illness, such as to manage a chronic condition like Parkinson's disease or aid recovery from a fall, stroke or surgery.

How painful is pelvic floor therapy? ›

Will therapy be painful? Healthy muscles should not be painful to touch. You should only feel light pressure during your external and internal assessment. If pain happens during an exam, you should inform your therapist immediately.

What do you wear to pelvic floor therapy? ›

What should I wear to my first pelvic floor therapy visit? Whatever makes you feel comfortable and confident! Some patients will bring a change of clothes with them if they are coming from work, but this is solely personal preference. We do not care what you wear, we are simply glad you are here!

What do they do during pelvic floor therapy? ›

During pelvic floor therapy, we teach you exercises to stabilize and strengthen your core, or the major muscles that stabilize the trunk, including the pelvic floor, abdominal, back, and diaphragm. This also involves re-training and strengthening your pelvic floor muscles.

Is PT once a week enough? ›

Depending on your goals, starting point, and physical ability, one personal training session can be enough, although 1-3 personal training sessions per week is recommended. For those new to exercise, 2-3 personal training sessions per week is recommended to ensure that you develop proper form and a sustainable routine.

How many times a week should you see your PT? ›

You should train with a personal trainer one to three times per week. Once per week - If you're on a budget and can train solo at least one other time a week. Three times per week - If you're looking to learn exercises faster (and maybe get more gains long term).

What should I expect from my first PT session? ›

In your first session your PT will ask you to perform a few basic exercises to assess your fitness levels. This will allow them to create an effective workout programme that's made specifically for you by giving us a good idea of how tough to make your sessions and how big or small a programme to make.

How long should you go to PT? ›

In general, you should attend physical therapy until you reach your PT goals or until your therapist—and you—decide that your condition is severe enough that your goals need to be re-evaluated. Typically, it takes about 6 to 8 weeks for soft tissue to heal, so your course of PT may last about that long.

Why you dont need a PT? ›

For starters, one of the main reasons you don't need a personal trainer is because many gyms offer new members complimentary sessions with a trainer, in one or two increments. This means they'll be able to show you everything you need to know about safety and form, all within those sessions.

What are the primary responsibilities of a physical therapist? ›

Physical therapists examine each person and then develops a treatment plan to improve their ability to move, reduce or manage pain, restore function, and prevent disability. Physical therapists can have a profound effect on people's lives.

Should I take pain meds before physical therapy? ›

You will likely need pain medication at least for the first 2-3 days. You will not be completely pain free while your body repairs itself. Physical therapy can also be painful. Be prepared to take medicine before/after PT if needed.

How many times a day should I do physical therapy? ›

Performing Exercises On Your Own

For the treatment to be effective, we highly recommend performing these exercises around 3 to 5 times a week for 2 to 3 weeks.

Should you take pain medication before or after physical therapy? ›

Pain Management During Your Physical Therapy

To maximize the patient's participation, it may help to give pain medication, like aspirin or another nonsteroidal anti-inflammatory drug like ibuprofen, thirty-to-sixty minutes before physical therapy to prevent incidental pain.

How long does it take for physical therapy to help back pain? ›

But on average, patients can expect to be in physical therapy for six to eight weeks as strength and mobility progress with every session. If your back pain continues to be severe or even worse, physical therapy may take longer or may be recommended after surgical intervention.

Does physical therapy get rid of pain? ›

Physical therapists are movement experts who treat pain and improve quality of life through hands-on care, patient education, and prescribed movement. They help people manage or eliminate pain and reduce the need for surgery and pain medicines, such as opioids, in many cases.

How long are physical therapy sessions for back pain? ›

Apart from the frequency, each session may last between 30 and 60 minutes in length. While two to three visits in a week may appear to be too much, especially if you have just sustained an injury or undergone surgery, it is important to understand why regular visits are necessary.

How many physical therapy sessions will Medicare pay for? ›

There's no limit on how much Medicare pays for your medically necessary outpatient therapy services in one calendar year.

What is the Medicare therapy cap for 2022? ›

In 2022, Original Medicare covers up to: $2,150 for PT and SLP before requiring your provider to indicate that your care is medically necessary. And, $2,150 for OT before requiring your provider to indicate that your care is medically necessary.

How many therapy sessions Does Medicare pay for? ›

Medicare does not reimburse you for therapy or counseling. Yearly wellness checks and depression screenings are available at no cost with your plan. For other services, you'll pay your Part B deductible and 20% of the Medicare-approved amount above the deductible.

Is pelvic floor physical therapy embarrassing? ›

They will answer your questions, make you feel comfortable, explain what they are doing and why, and make it a generally pleasant experience. And believe me, they've heard and seen it all before. I can't promise you won't still feel a little embarrassed at first, because it's new to you.

Do I need to shave for pelvic floor physical therapy? ›

But before you come to your first appointment, here is a list of things to NOT DO. Do NOT apologize for not shaving or not grooming “down there”. When we say we don't care and it doesn't matter to us your pubic hair situation, we truly mean it! That is not what is important to our care and our assessment.

What is a pelvic floor massage? ›

Pelvic floor massage is a specific form of physical therapy that can cure the lingering pain and other symptoms that are caused by pelvic floor dysfunction. Pelvic floor massage can also help prevent these symptoms from occurring in the first place.

Why do pelvic floor therapists say not to pee in the shower? ›

Jeffrey-Thomas said we humans are essentially conditioning ourselves to associate the sound of running water with needing to urinate. If you suffer with pelvic floor dysfunction, where controlling your bladder is an issue, this could lead to bladder leaks triggered by the sound of running water.

What happens on the first day of pelvic floor physical therapy? ›

Changes in your skeletal alignment will change the length and tension of the pelvic floor musculature. Physical therapists will analyze your posture typically in standing and sitting. The PT will analyze the alignment of your entire body starting from your head all the way down to your feet.

How is a pelvic floor exam done? ›

Depending on your anatomy and symptoms, this exam may be performed through the vaginal opening or anal opening. The physical therapist takes one gloved finger, applies lubricant, and presses on different points of the pelvic floor muscles to assess their tone, strength, endurance, and control.

What are the symptoms of pelvic floor dysfunction? ›

The symptoms of pelvic floor dysfunction include:
  • Difficulty urinating or having bowel movements.
  • Feeling like your bowel movements are not complete.
  • Leakage of urine or feces.
  • Frequently feeling the need to use the bathroom.
  • Feeling like you need to force out urine or feces.
  • Stopping and starting in the middle of urinating.
9 Jun 2021

What is female pelvic floor therapy? ›

Pelvic floor physical therapy is a specialized kind of physical therapy to relieve the symptoms of pelvic floor dysfunction and help the muscles work the way they should. This includes several exercises that help your pelvic muscles relax and get stronger.

How much is a PT UK? ›

Personal training can vary in price however there are some useful things to understand before deciding on if something is overpriced or not. Personal training usually ranges from £30 right through to £100+ per hour and there are many reasons to why.

How much should a PT cost UK? ›

The average cost of a Personal Trainer is between £40 and £60 per hour but the cost that you will pay will be influenced by a few factors such as location, experience and specialist skills.

Does PT have a copay? ›

Most people have a co-payment of about $25 to $35 per therapy session. Some co-payments may be as high as $50 or $75. Speaking with your insurance company is a good idea when you go to therapy. They should be able to give you an understanding of what your out-of-pocket responsibilities will be for each session.

How much does it cost to become a PT UK? ›

How Much to Get Personal Trainer Certification? On average, personal training courses cost between £1500 and £2000. However, there are some 'free courses' advertised online, as well as personal trainer qualifications that will set you back up to almost £3000.

Will a personal trainer really help? ›

Working out with a personal trainer can actually boost the success rate of achieving your fitness goals by more than 30 percent, according to a study by the Journal of Sports Science & Medicine. So whether you want to get in shape for the summer, beat the competition in a marathon, or just feel better...go for it!

How much is a Level 3 pt qualification? ›

Intensive Course (8 Face-to-Face Lessons) plus Optional Tutor Support Sessions (Levels 2+3 PT Course plus 10 CPD courses): Course Price £999, you can sign up for this course in £999 (Upfront Full Payment Discount), you can also sign up for this course on 8 Monthly Payments of £137.50 (Total £1,100)

How often should I see a personal trainer? ›

You should train with a personal trainer one to three times per week. Once per week - If you're on a budget and can train solo at least one other time a week. Three times per week - If you're looking to learn exercises faster (and maybe get more gains long term).

Why do personal trainers charge so much? ›

Personal trainers are expensive because you're paying them to give you their undivided attention for 30-60 minutes. Many trainers also have advanced degrees and additional certifications, which allows them to charge more money. Other trainers charge a lot of money simply because they know they're good at what they do.

What should I expect from a personal trainer? ›

A personal trainer can help you select activities that you enjoy, and also choose exercises that will keep you challenged and on track towards reaching your fitness goals. Personal trainers have vast knowledge of various exercises, tools and techniques that can make your workouts both fun and effective.

How is PT billed? ›

Forms. Most payers—and providers—prefer to bill using electronic claim forms. However, some payers do still accept paper claims. According to the APTA, the most common form is the Universal Claim Form (CMS 1500), although some payers may have their own.

Why are physical therapy copays so expensive? ›

Currently, in many health insurance contracts, the PT is classified as a specialist, which increases the financial burden to the patient. In states or in insurance companies where this designation is used, the specialist classification is often accompanied by higher copayments for the consumer.

How long does a PT qualification take? ›

It can normally be completed in around three to six months, but the real appeal of this course is that you have up to three years to complete it! Not only that, but as an online course you are completely in control of your start and finish dates, as well as the times that you choose to study!

How long does it take to become a qualified PT? ›

Becoming a personal trainer can involve education, certifications and other training. Getting a bachelor's degree typically takes around four years. Personal trainer certification courses, however, can often be completed in less than a year. You can choose the path that works best for you.

What qualification does a PT need? ›

Level 3 Certificate in Personal Training.


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