Coverage of Ambulatory PT Services by a Major Private National Health Insurance Company Nationwide.
MetadataShow full item record
The extent and type of insurance funding is important to support the practice of physical therapy. This study describes the physical therapy benefit in individual market BCBS insurance plans. A survey of least expensive, midrange and most expensive BCBS insurance plans for a fictitious 55 year old male living in a state capital for each state was performed. 128 of 149 plans covered physical therapy. In 70% of plans, physical therapy was part of a combined rehabilitation benefit. A minority of plans placed a visit (45%) or cost (20%) limit on OP PT. The study provides a useful baseline to describe the robustness of the physical therapy benefit in the individual insurance market.