Last updated: March 2026
How Much Does Occupational Therapy Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Initial Evaluation | $150 – $300 | $30 – $75 |
| Follow-Up Session | $75 – $200 | $20 – $60 |
| Pediatric OT Session | $100 – $250 | $25 – $65 |
| Hand Therapy | $100 – $250 | $25 – $75 |
CPT/ADA Code: 97530
What Affects the Cost
- Provider credentials and experience
- In-person vs. telehealth sessions
- Session length (30, 45, or 60 minutes)
- In-network vs. out-of-network
- Geographic location (major cities cost more)
- Type of therapy or treatment approach
Insurance Coverage
Typical coverage: Most plans cover with referral; copay $20-$75
Under the ACA and Mental Health Parity Act, insurance must cover mental health treatment at the same level as physical health. In-network copays are $20-$75 per session. Out-of-network providers may be reimbursed at 50-70%. Many plans now cover telehealth therapy at $0 copay.
How to Save Money
- Online therapy platforms (BetterHelp, Talkspace) cost $60-$100/session
- Open Path Collective: $30-$80/session ($65 lifetime membership)
- Sliding-scale therapists adjust fees based on income
- University training clinics offer $10-$30/session
- Community mental health centers provide low-cost services
- Ask about out-of-network reimbursement from your insurance
Related Procedures & Costs
Frequently Asked Questions
Fine motor skills, daily living activities, hand/wrist rehabilitation, sensory processing, pediatric development, workplace injuries.
Yes, when medically necessary. Copay $20-$75. Session limits may apply (20-60/year). Similar coverage to physical therapy.
PT focuses on movement, strength, and mobility. OT focuses on daily living skills, fine motor tasks, and adaptive techniques. Many patients need both.