Physical Therapy Cost in Connecticut (2026): Average Prices & What You'll Pay
What does a physical therapy cost in Connecticut?
You could pay $120 or $370 for the same physical therapy in Connecticut - depending entirely on which facility you choose. The median cash price across 31 reporting hospitals is $207. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Once you have a bill or an appointment on the calendar, CostKits can help you keep it all organized.
Where physical therapy costs vary in Connecticut
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby outpatient clinics and other facilities (colored by type). Click any pin for facility name and estimated cost range.
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What you pay for a physical therapy depends on where you go and what is billed separately. Most patients find out after.
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Cheapest Physical Therapy Providers in Connecticut
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($207) |
|---|---|---|---|---|
| 1 | Norwalk Hospital | Norwalk, CT | $102 | $105 below |
| 2 | Danbury Hospital | Danbury, CT | $102 | $105 below |
| 3 | Bristol Hospital, Inc | Bristol, CT | $102 | $105 below |
| 4 | Stamford Hospital | Stamford, CT | $102 | $105 below |
| 5 | Middlesex Hospital | CT | $102 | $105 below |
| 6 | Sharon Hospital | Po Box 789, CT | $102 | $105 below |
| 7 | UConn Health, Waterbury Hospital | Waterbury, CT | $115 | $92 below |
| 8 | PAM Health at Waterbury, LLC | CT | $120 | $87 below |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Before you book: three questions that change the price
- Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
- Can you give me the price in writing, with the billing codes it covers?
- What happens to the price if something extra is needed during the procedure?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- Norwalk Hospital is the lowest-cost option at $102 - $105 below the median posted price ($207), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $218, and it's often lower than what insurance pays before your deductible is satisfied.
- Doctor offices and independent clinics may charge differently from hospitals for the same service and may not appear in this hospital-only dataset. Ask your doctor whether another site is an option.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $101 to $101 | $101 |
| With insurance (commercial, average) | 21 | $170 to $251 | $211 |
| Without insurance (cash price) | 30 | $102 to $412 | $218 |
| Anthem Blue Cross and Blue Shield | 20 | $146 to $255 | $189 |
| Cigna | 15 | $142 to $265 | $210 |
| Aetna | 14 | $136 to $266 | $200 |
| UnitedHealthcare | 7 | $100 to $359 | $160 |
Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.
How much does a physical therapy cost with Medicare in Connecticut?
Medicare's national fee-schedule payment for physical therapy is about $101 to $101 (typically near $101). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $20 on a $101 payment, with no out-of-pocket cap unless you have supplemental coverage or a Medicare Advantage plan.
Doctor, anesthesia and pathology fees are billed separately. Medicare rates are national CMS amounts, adjusted slightly by local wage levels.
How much does a physical therapy cost with insurance in Connecticut?
Across 21 Connecticut hospitals, the negotiated rates commercial insurers pay for physical therapy average $170 to $251 per hospital, with a median near $211. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.
Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.
How much does a physical therapy cost without insurance in Connecticut?
Cash (self-pay) prices for physical therapy at 30 Connecticut hospitals range from $102 to $412, with a median of $218. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.
Cash prices are the hospital’s published discounted rate for patients paying without insurance.
How much does a physical therapy cost with Anthem Blue Cross and Blue Shield in Connecticut?
Anthem Blue Cross and Blue Shield negotiated rates for physical therapy at 20 Connecticut hospitals range from $146 to $255, with a median near $189. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.
Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.
How much does a physical therapy cost with Cigna in Connecticut?
Cigna negotiated rates for physical therapy at 15 Connecticut hospitals range from $142 to $265, with a median near $210. If a hospital is out of network for your Cigna plan, you may owe more than the negotiated rate, so check the network first.
How much does a physical therapy cost with Aetna in Connecticut?
Aetna negotiated rates for physical therapy at 14 Connecticut hospitals range from $136 to $266, with a median near $200. If a hospital is out of network for your Aetna plan, you may owe more than the negotiated rate, so check the network first.
How much does a physical therapy cost with UnitedHealthcare in Connecticut?
UnitedHealthcare negotiated rates for physical therapy at 7 Connecticut hospitals range from $100 to $359, with a median near $160. If a hospital is out of network for your UnitedHealthcare plan, you may owe more than the negotiated rate, so check the network first.
How where you go changes what you pay for physical therapy
The same physical therapy bundles different services depending on the setting - facility fee, surgeon fee, and anesthesia each arrive as separate bills. Estimated ranges below reflect the typical full bundled cost, including all expected charges.
- Facility fee $91–$420
- Professional fee $150–$400
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $188–$236
- Professional fee $150–$400
Estimated from CMS fee schedules + commercial rate multipliers
Yale New Haven Health and Hartford HealthCare together cover most of the state's hospital capacity, and Connecticut has some of the highest commercial insurance reimbursement rates in the US - a reflection of high labor costs, high cost-of-living, and limited market competition. Prices here routinely run 20–40% above the national median for the same services.
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Why prices vary - and what it means for your coverage
Setting matters too: the median outpatient price is $207 versus $230 inpatient, so where a procedure happens often matters more than which hospital you pick.
On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$207 |
| Deductible met - 20% coinsurance | ~$41 |
| Out-of-network provider | $455+ |
Frequently asked questions: physical therapy costs in Connecticut
How much does a physical therapy cost in Connecticut?
The typical insurer-negotiated rate is $102, with most facilities between $79 and $102 (based on 31 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Connecticut hospitals run $102–$412; outlier facilities above and below that range are left out. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a physical therapy in Connecticut?
Based on declared prices, the lowest posted price in our Connecticut data is Norwalk Hospital in Norwalk at about $102. By metro, Stamford has the lowest median ($169).
Why is a physical therapy so much cheaper at some Connecticut hospitals?
Typical prices vary about 1.3× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Connecticut, the median cash (self-pay) price is $218 versus a median negotiated rate of $211 - about 1× higher. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for a physical therapy in Connecticut?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- How to read your medical bill
- How to stop medical bill problems before they start
- How to negotiate your medical bills
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read an EOB line by line
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CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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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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