Understanding the Cost of Physical Therapy Sessions 

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How Much Does Physical Therapy Cost?


Physical therapy is a valuable healthcare service provided to patients of all ages and backgrounds. It has been proven to be an effective treatment for many medical conditions, helping people regain movement, reduce pain, prevent injury, and more. But what does it cost? In this article, we will explore the factors that influence the cost of physical therapy sessions and discuss some tips to help you get the most out of your physical therapy visits. 

What is Physical Therapy? 

Physical therapy, or PT, is a form of treatment that seeks to improve muscle strength, mobility, balance and coordination, posture, and joint movement. It can be used for physical rehabilitation after injury or surgery or to manage chronic pain. While it’s normally provided in a clinical setting, there are also home-based physical therapy programs available. Specialists such as orthopedic surgeons, neurologists, and primary care physicians often refer patients to physical therapists for treatment. 

Factors Influencing the Cost of Physical Therapy 

The cost of physical therapy sessions varies depending on several factors including the type of services you need, your insurance coverage, and the physical therapist’s experience. In addition, your geographic location can also affect the cost of treatment. Generally speaking, physical therapy services in large metropolitan areas tend to be more expensive than those in smaller towns or rural areas. 

Average Cost of a Physical Therapy Session 

The average cost of a physical therapy session ranges from $75 to $225 per hour, depending on the type of treatment and where you live. The cost of a session may also include additional fees for supplies or travel if the therapist needs to come to your home. 

It’s worth mentioning that prior to meeting your deductible, several clinics may charge $400 or more per session. This can come as a significant shock to individuals who anticipate a copay of around $40 or $50, similar to what they pay for their primary physician’s services. 

Insurance Coverage and Physical Therapy 

If you have insurance coverage, it can help offset the cost of physical therapy. Most insurance plans will cover at least part of the costs, and some provide full coverage. It is important to check with your insurance provider before beginning any physical therapy sessions to determine the extent of your coverage. 

Cost-Saving Tips for Physical Therapy 

If you’re considering physical therapy treatment, and the cost is the most important factor, there are several cost-saving tips that can help reduce the overall expense: 

  • Call around and get quotes from several physical therapists before selecting one. Be sure to ask both how much per session as well as how many visits are expected to improve. 
  • Talk to your insurance provider to determine what type of coverage is available for physical therapy sessions. 
  • Ask about discounts or payment plans that may be available from individual therapists. 
  • Look into free or low-cost physical therapy services offered by hospitals, clinics, or other healthcare organizations in your area. 
  • Research physical therapy methods that you can do on your own, such as stretching or exercise routines. 


Physical therapy plays a pivotal role in preserving health and mobility, but its cost can be prohibitive. Familiarizing yourself with the typical expense per session, exploring insurance coverage options, and implementing practical cost-saving strategies can facilitate greater affordability for this crucial form of treatment.