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How Much Will PT Cost?

Verify Your Insurance Coverage

When you call to schedule your first appointment, a member of our staff will request your insurance policy information and call to verify your coverage for physical therapy. Your benefits will be provided to you in writing and explained in detail at your first physical therapy appointment.

Please note that the information we provide you is limited to that which your insurance company shares with us. If you have any questions or concerns regarding your physical therapy coverage, please contact your insurance company's member services line. Download our verification worksheet to assist you in your conversation with your insurance company.


Decide Whether to Use In or Out-or-Network Benefits

PhysioPartners offers both in and out of network providers and treatment options. You may choose to see a PhysioPartners Premier provider with limited insurance participation who will typically spend 45-60 minutes with you one-on-one every visit.  In this case, insurance claim filing is offered, but your insurer will cover less of your care.

If seeing an in-network provider is important to you, schedule with one of our PhysioPartners fully participating providers who will always spend at least 30 minutes with you one-on-one every visit and work with our qualified team to help you make the most of your therapy time.

Either way, you can ensure that with one-on-one consultation and treatment included in every visit, your time is used more efficiently and focused on addressing the root cause of your problem.

PhysioPartners has providers who participate with the following insurance networks:

  • Aetna PPO/POS/HMO
  • Assurant
  • Blue Cross Blue Shield PPO
  • Blue Choice Select POS
  • Healthlink
  • Humana ChoiceCare
  • Medicare
  • United Health Care
  • Harken Health
  • Veterans Choice (VCP)





PhysioPartners Premier providers participate with Blue Cross Blue Shield PPO, Medicare and Point of Service.  

PhysioPartners and PhysioPartners Premier providers also accept all out-of-network benefits. PhysioPartners and PhysioPartners Premier cannot bill an attorney for physical therapy services.

Please call (773) 665-9950 for up-to-date participation information and to find a physical therapist who participates with your insurance. 

Determine Patient Responsibility

Patient responsibility is determined by your insurance company. PhysioPartners maintains a credit card on file with our bank for active patients. Copayments and anticipated patient deductible and coinsurance amounts will be billed to the card on file for each day of service. You may contact us at any time to change your card on file or remit payment by another method.

Accepted forms of payment include cash, personal check and all major credit cards.

As a courtesy to you, PhysioPartners administrative staff will work to determine eligibility and coverage for therapy services by your insurance carrier. While every insurance policy is different, we anticipate the following ranges of coverage, depending on our participation with your network:

Coinsurance Percentage Estimated Patient Responsibility After Meeting Deductible for 30-45 Minute Sessions Estimated Patient Responsibility After Meeting Deductible for 45-60 Minute Sessions
10% $10-$15 per visit $15-$20 per visit
20% $15-$20 per visit $28-$40 per visit
30% $20-$32 per visit $40-$60 per visit

If a deductible applies, the cost of the visit will be patient responsibility until the deductible is met. You can expect the cost of a 30-45 minute session to be between $90-$105 and a 45-60 minute session to be between $140-$175 depending on the procedures performed and the provider selected.

We also off a day-of-service discount for 60, 45 and 30-minute appointment times, as well as additional discounts on pre-paid packages.  These savings are available secondary to the reduced administrative burden created by filing insurance claims and collecting for services.  Therefore, claims for these services cannot be submitted to an insurance company. Since hourly rates vary, depending on your preferred physical therapist, please contact our office to inquire about your physical therapist's fees.

60-minute visit $125 or $150
45-minute visit $100 or $120
30-minute visit $70 or $90

* Session times are approximate and rounded to the nearest 15-minute increment.

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