The Basics of Insurance Coverage
Most insurance companies put a monetary or time-driven cap on their coverage. After that cap of time or money, your physical therapy care costs will have to be taken care of out of pocket. The exact caps, limitations, and copays vary between different insurance companies, but patients across the board must face a great deal of bureaucracy and restriction when looking for physical therapy that’s covered by insurance.
When Insurance Coverage Works – and Doesn’t
This is because insurance hardly ever covers preventive physical therapy, and it can be very difficult to cover old aches and pains, too. This is denied under the guise of “medical necessity,” despite the fact that preventive physical therapy can be life-changing. It can improve overall strength, flexibility, and mobility; it can reduce the risk of serious injury in a slip, fall, or accident as you age; it can boost mindfulness and confidence; and it can stave off certain illnesses, like heart disease or arthritis. Despite what insurance companies try to tell you, preventive physical therapy is an effective, useful, and important tool for long-term wellness.