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How Much is the Cost Per Session of A Physical Therapy?

physical therapy cost per hour

When you’re thinking about physical therapy, it’s natural to wonder about the cost. Knowing how much you might have to pay for each session is important if you need rehabilitation. In this article, we’ll talk about how much physical therapy typically costs per hour, why it can be pricey, whether insurance covers it, and what you can do if you don’t have insurance to help pay for it.

How much does a physical therapy session cost?

The price of a physical therapy session can change a lot based on different things. These include where the clinic is, how much experience the therapist has, what kind of therapy you need, and whether your insurance covers it.

Without insurance, a single physical therapy session usually costs between $80 and $150. But with insurance, patients usually pay a co-payment, which can be between $20 and $60 per session. Also, the first evaluation, where the therapist checks your condition thoroughly, might cost extra, usually between $150 and $200.

Also, the price of physical therapy changes based on what type of treatment you need. For example, fixing a knee injury could cost between $160 and $1,450 per session. Treating back pain might range from $240 to $1,450 per session. If you have rotator cuff issues or need pelvic floor therapy, it could be more expensive, costing from $520 to $2,000 and $160 to $720 per session, respectively.

Understanding the various costs might help people make more informed decisions regarding their rehabilitation needs and financial planning.

Why is physical therapy expensive?

Physical therapy might seem costly for a few reasons. One big factor is the therapist’s skill and experience. If a therapist has lots of training or specializes in certain areas, they might charge more. But many patients think it’s worth paying extra for top-notch care from an experienced therapist.

Additionally, using special tools and treatments during physical therapy can make it cost more. Clinics might charge extra for cutting-edge technology that helps patients recover better. Also, how long and how often you have sessions can affect the price. Longer or more frequent visits might mean paying more because it takes more time and effort from the therapists.

Plus, clinics have bills to pay, like rent, utilities, and staff salaries. These costs are factored into the overall price of physical therapy. It’s how clinics stay open and keep providing quality care to patients.

In the end, while physical therapy might seem pricey, it’s important to realize the value it brings. Understanding why it costs and what it does helps patients see the quality of care they’re getting and the benefits of investing in their recovery.

Is it covered by insurance?

Insurance often covers physical therapy, but how much it covers can vary. Some plans include it as part of their benefits, but the amount you pay out-of-pocket can differ.

With insurance, you usually have to pay a co-payment for each session. This can be between $20 and $60, depending on your plan. Sometimes, you need to pay a certain amount, called a deductible, before your insurance helps pay for sessions.

It’s important to check with your insurance company to understand what they cover. Find out if your plan includes physical therapy, how much they pay, and any rules you need to follow.

Knowing what your insurance covers helps you plan for the costs of physical therapy, so you can get the treatment you need without worrying about unexpected bills.

Is PT something you can delay?

Putting off physical therapy might seem like a way to save money now, but it’s important to think about what could happen if you wait. Physical therapy is crucial for getting better after injuries, surgeries, or long-term health problems.

Delaying physical therapy can lead to several negative outcomes, including: 

  • Worsening of the condition: Without proper treatment and rehabilitation, injuries or conditions may worsen over time. Delaying physical therapy can result in increased pain, decreased mobility, and impaired function, making it more challenging to recover fully.
  • Increased treatment costs: Patients who postpone physical therapy may eventually require more comprehensive and expensive treatment. Untreated injuries or conditions may lead to complications or secondary issues that necessitate additional medical interventions, such as surgery or long-term medication management.
  • Impact on daily life: Untreated injuries or conditions can have a substantial influence on a person’s ability to carry out everyday tasks and maintain their quality of life. Delaying physical therapy may limit an individual’s independence, productivity, and overall well-being, affecting their personal and professional lives.

Putting off physical therapy might seem like a way to save money for now, but it could cause bigger problems later on. Getting the right treatment at the right time can help you get better faster, prevent more serious issues, and make you feel better overall.

What can you do if your session is not covered?

If your insurance doesn’t cover physical therapy or only covers a small part, there are ways you can still afford the sessions: 

  • Employer-sponsored assistance programs: Some employers offer assistance programs through their Human Resources department to help employees cover medical expenses, including physical therapy. These programs may provide financial assistance or reimbursement for out-of-pocket costs related to healthcare services.
  • Reduced-rate programs: Some local colleges or medical schools offer physical therapy services at reduced rates for individuals who may not have insurance coverage or who are experiencing financial hardship. These services are often provided by supervised students in training under the guidance of licensed professionals.
  • Payment plans: Many physical therapy clinics provide various payment options and payment plans to help consumers manage the expense of their treatment. Patients can inquire about setting up a payment plan or negotiating a discounted rate for services rendered.
  • Healthcare financing options: Some financial organizations provide healthcare financing options, such as medical loans or credit cards specifically tailored to cover medical bills. These choices allow patients to stretch the cost of therapy across time, making it more affordable.

People can figure out how to afford physical therapy by looking into these options and talking about possible solutions with their doctor or financial advisor. 

Understanding the cost of a PT session

Physical therapy sessions vary in cost based on factors like where you live, the therapist’s experience, and whether you have insurance. Even though the price might seem high, it’s important to focus on getting the treatment you need for a full recovery and better health in the long run. You can manage the expenses by exploring insurance options and other assistance programs. Always keep in mind that physical therapy is an investment in your health and well-being.


  • RJ Sinclair

    RJ is our resident money guru, with a knack for keeping finances neat and organized. With previous experience as a budget manager in supply chain companies, he brings a wealth of knowledge and expertise to the table. Count on RJ as a trustworthy source for valuable money tips and advice to help you make the most of your financial journey.