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Reviewed by John Caruso, FSA, MAAA • Data last updated

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

What does a physical therapy cost in Maryland?

You could pay $135 or $212 for the same physical therapy in Maryland - depending entirely on which facility you choose. The median cash price across 40 reporting hospitals is $180. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.

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

  • Western Maryland Hospital Center · Hagerstown, MD $105
  • Deer's Head Hospital Center · Salisbury, MD $105
  • UM St. Joseph Medical Center · Towson, MD $111

All 40 facilities are listed below, free.

Where physical therapy costs vary in Maryland

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.

Hospital (below avg) Hospital (above avg) Click a pin for details.

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.

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Cheapest Physical Therapy Providers in Maryland

Based on declared cash/self-pay prices from CMS hospital price transparency files.

# Facility City Price vs median ($180)
1 Western Maryland Hospital Center Hagerstown, MD $105 $75 below
2 Deer's Head Hospital Center Salisbury, MD $105 $75 below
3 UM St. Joseph Medical Center Towson, MD $111 $69 below
4 Frederick Health Hospital Frederick, MD $113 $67 below
5 Johns Hopkins Howard County Medical Center Columbia, MD $117 $63 below
6 GRMC, Inc. Oakland, MD $123 $57 below
7 Luminis Health Anne Arundel Medical Center MD $128 $52 below
8 UM Shore Medical Center at Cambridge MD $134 $46 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

  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

  • Western Maryland Hospital Center is the lowest-cost option at $105 - $75 below the median posted price ($180), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $180, 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.
Physical therapy prices by coverage in Maryland, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$101 to $101$101
With insurance (commercial, average)9$115 to $269$183
Without insurance (cash price)40$105 to $265$180
CareFirst BlueCross BlueShield4$84 to $484$102
Aetna4$85 to $361$137
Cigna4$108 to $302$157
UnitedHealthcare3$128 to $424$147

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 Maryland?

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 Maryland?

Across 9 Maryland hospitals, the negotiated rates commercial insurers pay for physical therapy average $115 to $269 per hospital, with a median near $183. 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 Maryland?

Cash (self-pay) prices for physical therapy at 40 Maryland hospitals range from $105 to $265, with a median of $180. 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 CareFirst BlueCross BlueShield in Maryland?

CareFirst BlueCross BlueShield negotiated rates for physical therapy at 4 Maryland hospitals range from $84 to $484, with a median near $102. 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 Aetna in Maryland?

Aetna negotiated rates for physical therapy at 4 Maryland hospitals range from $85 to $361, with a median near $137. 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 Maryland?

Cigna negotiated rates for physical therapy at 4 Maryland hospitals range from $108 to $302, with a median near $157. 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 UnitedHealthcare in Maryland?

UnitedHealthcare negotiated rates for physical therapy at 3 Maryland hospitals range from $128 to $424, with a median near $147. 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.

Hospital Outpatient
$210–$1,037
  • Facility fee $60–$637
  • Professional fee $150–$400

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$210–$724
  • Facility fee $60–$324
  • Professional fee $150–$400

Estimated from CMS fee schedules + commercial rate multipliers

Maryland operates the nation's only all-payer hospital rate-setting system through the Health Services Cost Review Commission (HSCRC) - all payers, including Medicare, Medicaid, commercial, and self-pay, pay the same regulated rates at each facility. This makes Maryland's cash prices more meaningful than in other states, because the discounting common elsewhere is largely prohibited. Johns Hopkins Medicine and University of Maryland Medical System anchor the academic tier.

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Why prices vary - and what it means for your coverage

A small number of hospitals (2) report prices above $390, including Adventist Rehabiliation Hospital of Maryland Inc. at $637, which drives most of the overall spread - excluding them, most facilities cluster in a much tighter band. Setting matters too: the median outpatient price is $180 versus $164 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 ~$180
Deductible met - 20% coinsurance ~$36
Out-of-network provider $396+

Frequently asked questions: physical therapy costs in Maryland

How much does a physical therapy cost in Maryland?

The typical insurer-negotiated rate is $163, with most facilities between $126 and $190 (based on 35 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Maryland hospitals run $105–$265; 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 Maryland?

Based on declared prices, the lowest posted price in our Maryland data is Western Maryland Hospital Center in Hagerstown at about $105. By metro, Towson has the lowest median ($140).

Why is a physical therapy so much cheaper at some Maryland hospitals?

Typical prices vary about 1.5× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Maryland, the median cash (self-pay) price is $180 versus a median negotiated rate of $183 - cash is the lower number at many hospitals. 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 Maryland?

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

Other procedures in Maryland

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 Maryland

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Emergency care

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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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Published October 29, 2026 · Updated October 29, 2026

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