Physical Therapy Cost in Hawaii (2026): Average Prices & What You'll Pay
What does a physical therapy cost in Hawaii?
The same physical therapy in Hawaii might cost you $100 at one facility and $226 at another - the building you walk into drives the difference. The median cash price across 16 reporting hospitals is $194. These figures come straight 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 Hawaii
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.
26+ people checked prices near them this month.
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.
Cheapest Physical Therapy Providers in Hawaii
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs median ($194) |
|---|---|---|---|---|
| 1 | STRAUB CLINIC & HOSPITAL | HI | $92 | $102 below |
| 2 | WILCOX MEMORIAL HOSPITAL | HI | $92 | $102 below |
| 3 | PALI MOMI MEDICAL CENTER | HI | $92 | $102 below |
| 4 | The Queens Medical Center | Wahiawa, HI | $175 | $19 below |
| 5 | Queens North Hawaii Community Hospital | Waimea, HI | $175 | $19 below |
| 6 | Kahuku Medical Center | Kahuku, HI | $212 | $18 above |
| 7 | Maui Health System A Kaiser Foundation Hospitals LLC | Lanai City, HI | $219 | $25 above |
| 8 | KAISER FOUNDATION HOSPITAL - MOANALUA | Honolulu, HI | $236 | $42 above |
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
- STRAUB CLINIC & HOSPITAL is the lowest-cost option at $92 - $102 below the median posted price ($194), just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $194, 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) | 13 | $93 to $357 | $154 |
| Without insurance (cash price) | 18 | $86 to $259 | $194 |
| HMSA | 9 | $89 to $107 | $93 |
| UnitedHealthcare | 6 | $90 to $108 | $107 |
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 Hawaii?
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 Hawaii?
Across 13 Hawaii hospitals, the negotiated rates commercial insurers pay for physical therapy average $93 to $357 per hospital, with a median near $154. 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 Hawaii?
Cash (self-pay) prices for physical therapy at 18 Hawaii hospitals range from $86 to $259, with a median of $194. 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 HMSA in Hawaii?
HMSA negotiated rates for physical therapy at 9 Hawaii hospitals range from $89 to $107, with a median near $93. 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 UnitedHealthcare in Hawaii?
UnitedHealthcare negotiated rates for physical therapy at 6 Hawaii hospitals range from $90 to $108, with a median near $107. 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 $51–$291
- Professional fee $150–$400
Estimated from CMS fee schedules + commercial rate multipliers
- Facility fee $212–$237
- Professional fee $150–$400
Estimated from CMS fee schedules + commercial rate multipliers
Hawaii's island geography creates isolated health economies - each island is effectively its own market, and most specialized care on neighbor islands requires inter-island travel. Kaiser Permanente Hawaii and Hawaii Pacific Health cover most of the Oahu market. Transport and logistics costs embedded in hospital operating expenses push prices well above the mainland average for comparable services.
Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →
Why prices vary - and what it means for your coverage
Setting matters too: the median outpatient price is $194 versus $228 inpatient (about 1.2× more), so where a procedure happens often matters more than which hospital you pick.
What you pay out of pocket on top of this depends on your deductible, your plan's out-of-pocket maximum, and whether every provider involved is in-network - not just the facility.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$194 |
| Deductible met - 20% coinsurance | ~$39 |
| Out-of-network provider | $427+ |
Frequently asked questions: physical therapy costs in Hawaii
How much does a physical therapy cost in Hawaii?
The typical insurer-negotiated rate is $75, with most facilities between $72 and $92 (based on 16 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Hawaii hospitals run $86–$259; 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 Hawaii?
Based on declared prices, the lowest posted price in our Hawaii data is STRAUB CLINIC & HOSPITAL at about $92. By metro, Honolulu has the lowest median ($236).
Why is a physical therapy so much cheaper at some Hawaii 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 Hawaii, the median cash (self-pay) price is $194 versus a median negotiated rate of $154 - about 1.3× 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 Hawaii?
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
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read your medical bill
- Deductible vs out-of-pocket max
- Already have a bill? Check it for errors
- How to read an EOB line by line
Other procedures in Hawaii
Physical Therapy, elsewhere
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
Other Procedure Costs in Hawaii
Bone, joint and pain
- ACL Surgery Cost in Hawaii
- Bunion Surgery Cost in Hawaii
- Carpal Tunnel Surgery Cost in Hawaii
- Cortisone Shot Cost in Hawaii
- Epidural Steroid Injection Cost in Hawaii
- Facet Joint Injection Cost in Hawaii
- Hip Replacement Cost in Hawaii
- Hip Replacement Cost in Hawaii
- Knee Arthroscopy Cost in Hawaii
- Knee Replacement Cost in Hawaii
- Knee Replacement Cost in Hawaii
- Rotator Cuff Surgery Cost in Hawaii
- Spinal Fusion Cost in Hawaii
- Spinal Fusion Cost in Hawaii
Imaging and scans
- Bone Density Test Cost in Hawaii
- CT Abdomen Cost in Hawaii
- CT Abdomen Cost in Hawaii
- CT Chest Cost in Hawaii
- CT Head Cost in Hawaii
- CT Scan Cost in Hawaii
- Doppler Ultrasound Cost in Hawaii
- Mammogram Cost in Hawaii
- MRI Brain Cost in Hawaii
- MRI Cost in Hawaii
- MRI Knee Cost in Hawaii
- PET Scan Cost in Hawaii
- Ultrasound Cost in Hawaii
- Xray Cost in Hawaii
Heart and cardiac tests
- Echocardiogram Cost in Hawaii
- Heart Catheterization Cost in Hawaii
- Nuclear Stress Test Cost in Hawaii
- Pacemaker Surgery Cost in Hawaii
- Treadmill Stress Test Cost in Hawaii
Sleep and breathing tests
Scopes and screening
General surgery
- Appendectomy Cost in Hawaii
- Appendectomy Cost in Hawaii
- Breast Biopsy Cost in Hawaii
- Cholecystectomy Cost in Hawaii
- Cholecystectomy Cost in Hawaii
- Hernia Repair Cost in Hawaii
Lab tests
- A1C Test Cost in Hawaii
- CBC Blood Test Cost in Hawaii
- Cholesterol Test Cost in Hawaii
- Metabolic Panel Cost in Hawaii
- Thyroid Test (TSH) Cost in Hawaii
Ear, nose and throat
- Deviated Septum Surgery Cost in Hawaii
- Ear Tube Surgery Cost in Hawaii
- Hearing Test Cost in Hawaii
- Sinus Surgery Cost in Hawaii
- Tonsillectomy Cost in Hawaii
Urology and women's health
- Childbirth Cost in Hawaii
- Childbirth Cost in Hawaii
- Cystoscopy Cost in Hawaii
- D&C (Dilation and Curettage) Cost in Hawaii
- Hysterectomy Cost in Hawaii
- Hysterectomy Cost in Hawaii
- Hysteroscopy Cost in Hawaii
- Ovarian Cyst Removal Cost in Hawaii
- Prostate Biopsy Cost in Hawaii
- Vasectomy Cost in Hawaii
Eye care
- Cataract Surgery Cost in Hawaii
- Eye Injection Cost in Hawaii
- Glaucoma Laser Surgery Cost in Hawaii
- YAG Laser Surgery Cost in Hawaii
Infusions
Emergency care
Related Articles
Interested in understanding healthcare costs and managing your medical expenses?
- Free Cost EstimatorCalculate your exact out-of-pocket cost for any procedure
- Free Bill ScreenerCheck whether your bill and paperwork are ready for a professional review
- Family Bill TrackerTrack costs across every family member and every bill in one place
- Physical Therapy Cost GuideCompare Physical Therapy prices across all 50 states
- Deductible vs Out-of-Pocket MaximumLearn how insurance cost-sharing works and what you actually pay
- Cost ExplorerBrowse procedures and compare prices across the country
- Carpal Tunnel Surgery Cost GuideCompare Carpal Tunnel Surgery prices across all 50 states
- Bunion Surgery Cost GuideCompare Bunion Surgery prices across all 50 states
- Cortisone Shot Cost GuideCompare Cortisone Shot prices across all 50 states
About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
Connect on LinkedIn →Ready to take control of your healthcare costs?
Use the free cost estimator → · Get your bill screened for free → · See the family plan →