Physical Therapy Cost (2026): $100–$226
Typical cost
$100–$226
Sticker price is almost never what patients actually pay.
Your actual cost depends on your deductible, coinsurance, and where you are in your plan.
👉 The same Physical Therapy could cost you $0 or $226.
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Physical therapy starts with an evaluation where a therapist assesses movement and sets a treatment plan. The prices here are for the evaluation, since treatment visits are billed per timed unit.
CostKits Data - Physical Therapy
CostKits Market Intelligence - Physical Therapy
Confidence: High- CMS Medicare fee schedules (MPFS, OPPS, ASC)
- Hospital price transparency files
- Commercial rate relativity model
| Observed negotiated rates | 90% | |
| Medicare baseline | 5% | |
| Estimated relativity | 5% |
Where people are getting Physical Therapy done
A sample of real facilities across major U.S. metros - click a pin to save one, or enter your ZIP to find facilities near you.
See facilities near you
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How to Use This Data
These prices come from hospital price transparency files that hospitals are required by law to publish. They represent the range of what hospitals declare as their charges - actual negotiated rates with insurers are typically 40–60% lower.
If you have insurance: Your out-of-pocket cost is determined by your deductible, coinsurance, and your insurer's negotiated rate with the specific facility. Call your insurer for a pre-service cost estimate before scheduling.
If you are uninsured: Call 2–3 facilities directly and ask for their self-pay or cash-pay rate. Most facilities offer 20–50% discounts off list prices for upfront payment.
If you received a bill: Upload it to CostKits to compare what you were charged against what other facilities in your state reported.
What you pay for a physical therapy depends on where you go and what is billed separately. Most patients find out after.
Your personalized cost report includes:
- ✓ Evaluation vs. treatment: The first visit is billed as an evaluation, and later visits are billed by the 15-minute unit of care.
- ✓ Visit limits: Many plans cap the number of covered visits per year.
- ✓ Which bills usually arrive separately, and which providers to check are in-network
- ✓ The questions to ask before you schedule, so the estimate covers everything
- ✓ A real patient billing breakdown, line by line
Free for patients - takes 30 seconds to get.
We'll send a sign-in link to your email - click it to get your guide. No account required, no spam.
What's Actually on a Physical Therapy Bill?
A single physical therapy can generate multiple separate bills. Each provider bills independently and they often arrive weeks apart. Here's what to expect at a Hospital Outpatient:
| Billing Component | Always? | Typical Amount | Separate Bill? | Notes |
|---|---|---|---|---|
| Facility Fee | Always | - | Often | |
| Therapist Professional Fee | Always | - | Usually |
Physical Therapy Cost-Saving Decision Guide
Three moves that reduce your actual out-of-pocket cost - not just awareness, but specific decisions you can make before scheduling:
Common Physical Therapy Billing Surprises
The sticker price is rarely the whole story. These are the charges that most often surprise people after a physical therapy - knowing them in advance is how you catch errors and avoid out-of-network bills.
You May Receive Two Bills
Most physical therapy episodes produce a facility charge and a separate professional (physician) charge. Even when the facility is in-network, the physician can be out-of-network.
The Physician Bills Separately
The physician bills independently from the facility and may arrive later as its own statement.
Facility Fees
Hospital facility fees are typically far higher than ambulatory or independent settings for the identical service.
Out-of-Network Physician
Confirm the physician - not just the facility - is in your network before the procedure.
Explore Physical Therapy Costs
How Insurance Affects the Cost of This Procedure
Understanding these insurance concepts can help you estimate what you may actually pay for this procedure.
Cheapest States for Physical Therapy
The 10 lowest-cost states for physical therapy, by typical facility price range. Use these as a benchmark.
- 1. Tennessee $73–$93
- 2. Utah $80–$102
- 3. Rhode Island $100–$106
- 4. Indiana $73–$136
- 5. Louisiana $89–$143
- 6. Oklahoma $92–$149
- 7. New Hampshire $92–$153
- 8. Alabama $91–$172
- 9. Missouri $91–$172
- 10. Georgia $92–$175
Most Expensive States for Physical Therapy
The 10 highest-cost states for physical therapy. If you're in one of these, shopping facilities and asking for the cash-pay rate matters most.
- 1. Arizona $111–$504
- 2. Alaska $188–$416
- 3. Vermont $184–$389
- 4. North Dakota $227–$327
- 5. South Dakota $234–$290
- 6. Massachusetts $174–$338
- 7. Connecticut $120–$370
- 8. New Jersey $108–$358
- 9. Pennsylvania $98–$316
- 10. Ohio $134–$264
Physical Therapy Cost by State
- Physical Therapy Cost in Alabama
- Physical Therapy Cost in Alaska
- Physical Therapy Cost in Arizona
- Physical Therapy Cost in Arkansas
- Physical Therapy Cost in California
- Physical Therapy Cost in Colorado
- Physical Therapy Cost in Connecticut
- Physical Therapy Cost in Delaware
- Physical Therapy Cost in Florida
- Physical Therapy Cost in Georgia
- Physical Therapy Cost in Hawaii
- Physical Therapy Cost in Idaho
- Physical Therapy Cost in Illinois
- Physical Therapy Cost in Indiana
- Physical Therapy Cost in Iowa
- Physical Therapy Cost in Kansas
- Physical Therapy Cost in Kentucky
- Physical Therapy Cost in Louisiana
- Physical Therapy Cost in Maine
- Physical Therapy Cost in Maryland
- Physical Therapy Cost in Massachusetts
- Physical Therapy Cost in Michigan
- Physical Therapy Cost in Minnesota
- Physical Therapy Cost in Mississippi
- Physical Therapy Cost in Missouri
- Physical Therapy Cost in Montana
- Physical Therapy Cost in Nebraska
- Physical Therapy Cost in Nevada
- Physical Therapy Cost in New Hampshire
- Physical Therapy Cost in New Jersey
- Physical Therapy Cost in New Mexico
- Physical Therapy Cost in New York
- Physical Therapy Cost in North Carolina
- Physical Therapy Cost in North Dakota
- Physical Therapy Cost in Ohio
- Physical Therapy Cost in Oklahoma
- Physical Therapy Cost in Oregon
- Physical Therapy Cost in Pennsylvania
- Physical Therapy Cost in Rhode Island
- Physical Therapy Cost in South Carolina
- Physical Therapy Cost in South Dakota
- Physical Therapy Cost in Tennessee
- Physical Therapy Cost in Texas
- Physical Therapy Cost in Utah
- Physical Therapy Cost in Vermont
- Physical Therapy Cost in Virginia
- Physical Therapy Cost in Washington
- Physical Therapy Cost in West Virginia
- Physical Therapy Cost in Wisconsin
- Physical Therapy Cost in Wyoming
Data source: CMS Hospital Price Transparency Machine-Readable Files. Prices represent hospital-declared charges and do not include physician fees, anesthesia, or other separately-billed services.
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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