Physical Therapy & Your Insurance: A Patient’s Guide to Getting the Best Coverage
Posted by: Randy in Physical Therapy, Silver City, tags: insuranceThe best way to take care of your health is to take an active role in your own health care. To do this, you need to know about your options and your rights as a patient. Patients across the country are becoming better educated and demanding more and better options from their health insurance companies. The right to physical therapist services is an important option, and it is your right as a patient.
Federally qualified HMOs are required to have physical therapy in their benefits packages.
Why Physical Therapy?
- Physical therapists are experts in how the musculoskeletal and neuromuscular systems function.
- Physical therapist services are cost-effective. Early physical therapy intervention prevents more costly treatment later, can result in a faster recovery, and reduces costs associated with lost time from work.
- Patients pay less when they have direct access to physical therapy services. However, there can be a temptation under managed care to terminate services prematurely. A study conducted to determine whether direct access to physical therapy services was cost-effective found that patients who went directly to a physical therapist had fewer episodes of care, and services were ultimately less costly.


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