01/05/2026
At the beginning of the year, a lot of people assume the “right” thing to do is use their health insurance for physical therapy.
New deductible, new benefits, might as well take advantage of it. And sometimes that does make sense.
But what most people don’t realize is that insurance coverage and quality of care aren’t the same thing. The way many insurance-based PT clinics are structured these days mean that your visit is built around volume of patients seen, not time or outcomes.
That often looks like very short one-on-one interactions, overlapping appointments, and a lot of responsibility placed on you to manage your care in a busy environment.
There’s also a big misunderstanding around cost. The copay you pay when you walk in is rarely the true cost of the visit. It’s simply a piece of what your insurance has negotiated, and until your claim fully processes, you don’t actually know what you’re responsible for.
That’s why so many people are surprised by bills weeks or even months later, especially early in the year when deductibles haven’t been met.
None of this means insurance is “bad” or that it never has a place. It just means it’s worth asking more questions before you commit. How much time will you actually get with the therapist? Will your care be one-on-one for a full hour each time or shared between other patients? Will you get a cookie-cutter plan that has you laying on a mat the whole time, or a highly customized roadmap to healing?
What does a full plan look like beyond just showing up twice a week? And can someone clearly explain the cost of care upfront?
Physical therapy works best when there’s enough time, attention, and strategy to actually address the problem, not just check a box for a visit. If you’re deciding where to start this year, think more about what’s going to move the needle for your body.
Informed choices lead to better outcomes and less frustration along the way!
We don’t accept insurance at .pt but our patients often spend less time, less money, and WAY less frustration in the long run.