Is physical therapy covered by insurance?
It's a great question — and one that doesn't always have a simple answer. Plans vary a lot, and understanding what's covered can be confusing. That's why we guide you through the process from the very beginning, so there are no surprises with your care or your bill.
Most plans do include some coverage for physical therapy. But the details — referrals, deductibles, pre-authorization, and annual visit limits — all affect what you'll pay. Once you complete our online intake, we take care of the rest: verifying benefits, checking your deductible, confirming visit limits, and securing any required approvals before your first appointment.
Heading
New York allows Direct Access to physical therapy — you can come straight to us, no doctor's appointment needed, for up to 10 visits or 30 days, whichever comes first. After that, your insurance may require a referral to continue.
Many patients use Direct Access to get help sooner — whether it's a new ache, a recurring issue, or guidance on movement and performance. We'll help you feel better faster, without waiting on a referral.
We check whether a referral or pre-authorization is needed and walk you through any copays or coinsurance you'll be responsible for.
A referral is required. Part B covers medically necessary outpatient PT, with a soft cap of $2,330/yr for combined PT and speech therapy in 2025. Beyond that, we document medical need so coverage continues uninterrupted.
For NY State Medicaid, we help you navigate your specific plan — referral or pre-authorization needs, visit limits, and network guidelines.
Affordable rates for patients without coverage or who prefer not to use it — no insurance paperwork, restrictions, or waiting on approvals. A popular choice for performance, prevention, and wellness.
The insurance process can feel overwhelming, so we handle the heavy lifting — from verifying benefits to requesting authorizations. We also make scheduling easy with online appointment requests.
Whether you're using insurance or paying out of pocket, getting care shouldn't be complicated. Thanks to Direct Access, you can begin today — no referral required (unless you're on Medicare or Medicaid).
Simple and accessible.
Care that's clear about cost and centered on you. Call, email, or schedule online anytime — we'll help you every step of the way, from scheduling to billing to your goals.
Cutting-Edge Technology for Exceptional Outcomes
Our Location
Jamesville, NY 13078