Physical Therapy Cost in Indiana (2026): Average Prices & What You'll Pay

Three low-priced facilities in Indiana, from hospital price files

• St. Vincent Randolph Hospital, Inc. $58
• St. Vincent Williamsport Hospital, Inc. $58
• St. Vincent Anderson Regional Hospital, Inc. $58

All 90 facilities are listed below, free.

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

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Before you book: three questions that change the price

1. Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
2. Can you give me the price in writing, with the billing codes it covers?
3. 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

• St. Vincent Randolph Hospital, Inc. is the lowest-cost option at $58 - $36 below the median posted price ($94), just by choosing where you go.
• Ask for the cash price if your deductible isn't met - the median cash price here is $94, 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.

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 Indiana?

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 Indiana?

Across 35 Indiana hospitals, the negotiated rates commercial insurers pay for physical therapy average $59 to $282 per hospital, with a median near $134. 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 Indiana?

Cash (self-pay) prices for physical therapy at 88 Indiana hospitals range from $58 to $241, with a median of $94. 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 Indiana?

Anthem Blue Cross and Blue Shield negotiated rates for physical therapy at 31 Indiana hospitals range from $59 to $345, with a median near $118. 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 Indiana?

UnitedHealthcare negotiated rates for physical therapy at 18 Indiana hospitals range from $87 to $314, with a median near $191. 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 much does a physical therapy cost with Aetna in Indiana?

Aetna negotiated rates for physical therapy at 15 Indiana hospitals range from $112 to $336, with a median near $192. 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 Cigna in Indiana?

Cigna negotiated rates for physical therapy at 15 Indiana hospitals range from $92 to $330, 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.

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 Indiana

• A1C Test Cost in Indiana
• ACL Surgery Cost in Indiana

Physical Therapy, elsewhere

• Physical Therapy costs across all states
• New York
• California
• Texas
• Florida