- ACPN - PPO
- ACN- Dignity Health
- Aetna
- AHCCCS
- AmeriPlan Discount Card
- AZ FOUNDATION FOR MEDICAL CARE
- AZ Physician's IPA (APIPA)
- AZ PCP
- American Indian Plan ( AHCCCS)
- Beech Street AP Plan
- Beech Street Auto
- Beech Street PPO
- Beech Street Workers Comp
- Bluecross Blueshield of Arizona
- Bridgeway Advantage Medicare
- Bridgeway Health Solutions Acute AHCCCS
- Bridgeway Health Solutions ALTCS AHCCCS• Care 1st
- Caremore
- Cigna and Cigna open Access plus
- CorVel Auto
- CorVel PPO
- CorVel Workers Comp
- Evercare
- Fortified Auto
- Fortified PPO
- Fortified Workers Comp
- Galaxy Health Network PPO
- Galaxy Health Savings Card - Discount Card
• Galaxy Health Workers Comp
• Great West
• Health Choice
• Health Net
• HealthSmart ACCEL
• HealthSmart Auto
• HealthSmart HPO
• HealthSmart PPO
• HealthSmart Workers Comp
• Humana Choice Care Network PPO
• Humana Medicare Network PPO
• Health Net Medicare HMO
• INTEGRATED HEALTH PLAN Auto
• INTEGRATED HEALTH PLAN Discount Card
• INTEGRATED HEALTH PLAN PPO
• INTEGRATED HEALTH PLAN Workers Comp
• Lifeprint
• Maricopa Health Plan
• Medicare
• Mercy Care Health Plan
• Mercy Maricopa Integrated Care
• Meritus- Only complete HMO
• Multiplan / PHCS PPO
• Multiplan ValuePoint Discount Card
• Optum Care
• Pacificare
• Prime Health Imaging EPO
• Prime Health IME
• Prime Health PPO
• Prime Health Workers Comp
• Rail Road MEDICARE
• Southwest Service Administrator
• Three Rivers Provider Network PPO
• Tricare
• United Healthcare
• United Healthcare Community Plan
• USA Auto Medical
• USA Managed Care PPO
• WellCare of AZ Medicare Advantage Plan
Yes, most health insurance plans cover physical therapy, including Medicare, Medicaid, and private insurers like Blue Cross Blue Shield, Aetna, and Cigna. Coverage may vary based on your plan, so it's best to check with your provider for details on deductibles, copays, and session limits.
Using insurance for physical therapy can significantly reduce your out-of-pocket costs, making treatment more affordable. Other benefits include:
- Access to high-quality care without financial burden
- Coverage for multiple therapy sessions
- Possible inclusion of additional services like rehabilitation exercises and evaluations
In many cases, no referral is needed due to Direct Access Laws in most states. However, some insurance providers may require a referral for coverage. We recommend checking with your insurance company to confirm.
If your insurance does not cover all costs, you may still have options, such as:
- Flexible payment plans to manage costs
- Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) for payment
- Discounted self-pay rates offered by some clinics
You can verify your coverage by:
- Calling the customer service number on your insurance card.
- Checking your insurance provider’s website for policy details.
- Contacting our clinic, and we can assist in verifying your benefits.
Ask us a Question
Feel free to ask any physical therapy related questions over the phone, or get send your question via this form below. Your message will be dispatched directly to our staff who will answer as soon as they can.