Last updated: March 2026
How Much Does Physical Therapy Cost?
Without Insurance
$75 – $250
Average: $163
With Insurance
$20 – $75
Average: $48
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Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Initial Evaluation | $150 – $350 | $30 – $75 |
| Follow-Up Session (45-60 min) | $75 – $200 | $20 – $60 |
| Specialized PT (pelvic floor) | $100 – $300 | $25 – $75 |
| Aquatic Physical Therapy | $100 – $250 | $30 – $75 |
CPT/ADA Code: 97110
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; session limits (20-60/year)
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.
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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
Post-surgery: 12-24 sessions. Back/neck pain: 8-12 sessions. Sports injury: 6-12 sessions.
Yes, with referral. Copay: $20-$75. Plans may limit sessions (20-60/year). All states allow direct access.
All 50 states allow some direct access to PT. Insurance may still require referral for coverage.
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.