How much does physical therapy cost and how to pay for it with accident insurance

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The cost of physical therapy after an accident can be expensive but accident insurance can help.

Accidents can happen any time, and the injuries sustained can be life-altering. Car accidents or some unforeseen severe accidents can leave you with complex injuries that require  physical therapy after the accident and hospitalization. In fact, many people may not experience symptoms until sometime after the accident. 

Physical therapy: why you may need it

Some of the most common injuries people sustain after an accident include headaches, back pain, whiplash, and certain injuries to the neck, knees, shoulders, and other areas of the body. Fortunately, in a lot of cases, physical therapy can help with that. 

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What is physical therapy?

Physical therapy is a form of care that looks to alleviate pain symptoms and improve mobility after suffering accidents and injuries.  During physical therapy, the physical therapist will go through a variety of treatments to help alleviate symptoms patients may have. Depending on each individual case, some of the most common practices that occur at a physical therapy appointment may include: 

  • Exercises or stretches

  • Practice with devices that help you stay balanced or move better

  • Rehab for artificial limb usage

  • Massage, heat, or cold therapy, warm water therapy, or ultrasound to help ease muscle pain or spasms

Physical therapy is no one-size-fits-all routine, and everyone needs something different to help them with their unique case. 

The cost of physical therapy

Costs for physical therapy sessions can vary greatly due to a variety of factors. On average, the price of a physical therapy session can range from $20 to $150. However, it's important to note that the average cost of physical therapy without insurance falls anywhere between $75 and $150.¹ Treatment sessions can span from once a week to two or three times a week, depending on the injury on an individual case. 

There are also various other factors to consider, such as how many sessions are needed, if you need in-home therapy sessions, and the location of the injury. 

Physical therapy sessions can last anywhere from 30 minutes to an hour and a half and may require a doctor’s referral depending on your insurance plan. Whether you have other means of insurance or not, there may be some out of pocket costs on your end for each session. 

Accident insurance for physical therapy

Physical therapy can help alleviate symptoms that are getting in the way of your everyday life, especially if they are affecting how you move. When suffering from injury, you will want to make sure you are getting the right treatment to recover as smoothly as possible. Physical therapy costs may be getting in the way of your treatment path. Accident insurance can help you pay for physical therapy costs.

What is accident insurance?

Accident Insurance is a type of insurance that pays a cash benefit if you or a loved one has an accidental injury based on the type of injury, the severity of the injury, and the prescribed treatments. It helps with the unexpected expenses that comes with an accidental injury that medical insurance doesn't fully cover. Multiple injury and treatment types may be covered, including physical therapy. Benefits paid are based on the type of injury, severity of the injury, and type of treatments you receive. Cash benefits for accident insurance can be used in any way you choose from paying for groceries to medical bills.

Getting into an accident can be scary and can take a toll on your physical, emotional, and mental health. Dealing with the aftermath of medical bills and other unexpected expenses are even worse. On top of that, many people do not have medical insurance, and they may delay necessary treatment for fear of the costs. However, neglecting the care you need is never a good idea, especially after an accident. 

Physical therapy costs without insurance can be exponential, considering all other bills that may come with medical treatment after an accident. Though physical therapy may be necessary for proper recovery for many, the cost can put off a lot of people from attending sessions or going for the recommended amount of time. 

Accident insurance is a form of coverage that compensates policyholders with a set amount of money to disperse among bills and other costs related to their accident/injury. 

Even if you don't have to pay the entire amount for a physical therapy session due to other insurance coverage, you can still use the money from accident insurance to pay deductibles and copays if needed. 

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