What’s Covered and What’s Limited
Generally speaking, preventive physical therapy is not covered by insurance. Physical therapy that addresses an old injury or pain may or may not be covered (or partially covered) depending on your insurance provider. In any case, going through an insurance provider to receive physical therapy treatment – regardless of the treatment’s alleged necessity level – means having to go through quite a bit of hoops. It also might mean having to prepare yourself to front a lot of the costs anyway, depending on your insurance provider’s coverage cap.
Preventive Physical Therapy Explained
It’s a big deal that preventive physical therapy isn’t covered by insurance, because this lack of coverage (or severely restricted coverage) can prevent individuals from receiving potentially life-saving or life-altering care due to bureaucratic restrictions.