Is Physical Therapy Covered Under Health Insurance?

LAS VEGAS - Jan. 12, 2023 - PRLog -- Whether you have recently been injured or you are experiencing chronic pain or limited mobility, going to a physical therapist can greatly improve your quality of life. For many people, concerns about how much regular sessions cost is a big roadblock to getting much-needed care. Fortunately, if you have an ACA-compliant health insurance plan, rehabilitative services like physical therapy are listed among the essential health benefits. Your health insurance agent can help you understand your specific policy, so you know what to expect if you need physical therapy.

Do I Need a Referral to See a Physical Therapist?
Whether you need a referral to see a physical therapist depends on your health insurance plan. Generally speaking, if you have an HMO plan, you need a referral from your primary doctor to see a specialist, such as a physical therapist.  If you have a PPO, you do not need a referral to see a specialist. However, it is important to note that even if your health insurance plan does not require that you get a referral to see a physical therapist, the therapist may require a referral from your doctor. Also, give your health insurance plan a call and inform them of your need for rehab and find out if you need and pre-authorizations.

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