How To Get Insurance To Pay For More Physical Therapy

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Physical therapy can be a crucial component of recovery and rehabilitation for many individuals. It helps restore strength, mobility, and function, allowing patients to regain their quality of life.

However, the cost of physical therapy sessions can add up quickly, making it essential to explore options for insurance coverage. In this article, we will explore how to maximize your insurance benefits and ensure that you get the coverage you need for your physical therapy treatment.

Understanding Insurance Coverage for Physical Therapy

With the vast majority of insurance plans, your physical therapy should be covered if you have a referral or a signed plan of care from your doctor or qualified medical professional. This referral serves as evidence that your physical therapy is medically necessary and can help justify coverage from your insurance provider.

If you get a referral from your doctor, they will typically call, email, or fax the referral to your chosen clinic.

It’s important to note that not all insurance plans offer coverage for fitness, prevention, and wellness services. Therefore, it’s crucial to ask your health insurance company if your plan includes such coverage.

If it doesn’t, there are still options available for you to see a physical therapist.

Tips for Maximizing Physical Therapy Insurance Benefits

Now that we understand the basics of insurance coverage for physical therapy, let’s explore some tips to maximize your benefits:

  • Know your limits: Familiarize yourself with the coverage limits and restrictions imposed by your insurance plan. This includes understanding the number of therapy sessions covered, any co-pays or deductibles involved, and any pre-authorization requirements.

  • Understand secondary benefits: Some insurance plans offer secondary benefits that can help cover additional therapy sessions beyond the primary coverage limit. These benefits may be available based on certain criteria, such as medical necessity or functional improvement. It’s essential to inquire about these secondary benefits and understand how to qualify for them.

  • Get the best therapy possible: When seeking physical therapy, choose a qualified and experienced therapist who specializes in your specific condition or injury. This ensures that you receive high-quality care and maximizes your chances of positive outcomes.

  • Ask about individualized scheduling plans: Some physical therapy clinics offer flexible scheduling options to accommodate patients’ specific needs and insurance coverage limits. Inquire if they provide individualized scheduling plans that can help you make the most of your allotted sessions.

  • Do your homework: Research your insurance policy thoroughly to understand the terms and conditions that govern physical therapy coverage. Take note of any exclusions, limitations, and requirements to ensure compliance and avoid any unexpected out-of-pocket expenses.

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What to Do if Your Insurance Doesn’t Cover Physical Therapy

In some cases, insurance companies may not cover physical therapy services or deem them as “medically necessary.” If you find yourself in this situation, don’t give up hope. There are still strategies you can employ to navigate these challenges:

  • Appeal the decision: If your insurance denies coverage for physical therapy, you have the right to appeal the decision. Gather supporting documentation from your healthcare provider that outlines the medical necessity of the treatment. Submit this documentation along with a written letter of appeal explaining why the therapy is crucial to your recovery.

  • Explore out-of-network options: While insurance plans have preferred providers, they may still offer coverage for out-of-network physical therapists. Although this may come with higher out-of-pocket costs, it can provide an alternative solution for accessing necessary care.

  • Consider alternative payment options: If insurance coverage is not available or limited, explore other payment options such as healthcare financing, sliding-scale fees, or payment plans offered by physical therapy clinics. These alternatives can help make therapy more affordable and manageable.

Recommended Product: Therapist’s Choice® Shoulder Pulley

To enhance the effectiveness of your physical therapy sessions and continue your progress at home, we recommend the Therapist’s Choice® Shoulder Pulley. This innovative device allows you to perform targeted shoulder exercises recommended by your therapist in the comfort of your own home.

The Therapist’s Choice® Shoulder Pulley is designed with durability and ease of use in mind. It helps improve shoulder range of motion, flexibility, and strength, ultimately accelerating your recovery process. You can find the Therapist’s Choice® Shoulder Pulley on Amazon here.

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By incorporating the Therapist’s Choice® Shoulder Pulley into your home exercise routine, you can actively participate in your therapy and optimize your outcomes.


Maximizing insurance coverage for physical therapy can be a complex process, but it’s essential to advocate for your needs and explore all available options. By understanding your insurance policy, appealing denials, and considering alternative strategies, you can increase the chances of getting the coverage you need for your physical therapy treatment.

Additionally, incorporating recommended products like the Therapist’s Choice® Shoulder Pulley can further enhance your rehabilitation journey. Remember, your health and well-being are worth fighting for, and proper insurance coverage can make all the difference in your recovery.

Frequently Asked Questions

Why would insurance deny physical therapy?

Insurance companies may deny physical therapy claims if they feel it is no longer reasonable or medically necessary. Other reasons include billing errors, eligibility issues, modifier 59 use, and lack of medical necessity.

When should you stop physical therapy?

The decision to stop physical therapy should be made in collaboration with your physical therapist and physician. Two reasons to end PT are if you have reached your goals or if you are not seeing progress.

Does physical therapy count as exercise?

Physical therapy is not just exercise for exercise sake. It is a focused and targeted prescription of rehabilitation that aims to get you back to optimal functioning. Regular exercise like running on a treadmill or lifting weights may not have a direct impact on your activities of daily living.

Can I do physical therapy on my own?

Yes, you can do physical therapy on your own, but it is important to consult with a professional to ensure you are performing the exercises correctly. While looking up exercises online and trying them at home is feasible, it may not be as effective as supervised therapy.

Why does physical therapy cost so much?

The cost of physical therapy depends on the type and complexity of the injury or condition being treated, as well as the treatment length and setting. Factors like private practice, physical therapy chain, or hospital can also influence the cost.