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

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

• Robert Wood Johnson University Hospital Rahway is the lowest-cost option at $66 - $170 below the median posted price ($236), just by choosing where you go.
• Ask for the cash price if your deductible isn't met - the median cash price here is $306, 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 New Jersey?

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 New Jersey?

Across 58 New Jersey hospitals, the negotiated rates commercial insurers pay for physical therapy average $112 to $362 per hospital, with a median near $187. 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 New Jersey?

Cash (self-pay) prices for physical therapy at 69 New Jersey hospitals range from $66 to $578, with a median of $306. 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 Horizon Blue Cross Blue Shield of New Jersey?

Horizon Blue Cross Blue Shield of New Jersey negotiated rates for physical therapy at 55 New Jersey hospitals range from $60 to $415, with a median near $117. 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 New Jersey?

UnitedHealthcare negotiated rates for physical therapy at 55 New Jersey hospitals range from $106 to $563, with a median near $170. 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 New Jersey?

Aetna negotiated rates for physical therapy at 52 New Jersey hospitals range from $104 to $369, with a median near $183. 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 New Jersey?

Cigna negotiated rates for physical therapy at 51 New Jersey hospitals range from $98 to $379, with a median near $147. 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

• Deductible vs out-of-pocket max
• How to negotiate your medical bills
• EOB vs medical bill: complete guide
• Already have a bill? Check it for errors
• How to read an EOB line by line

Other procedures in New Jersey

• A1C Test Cost in New Jersey
• ACL Surgery Cost in New Jersey

Physical Therapy, elsewhere

• Physical Therapy costs across all states
• New York
• Pennsylvania
• Connecticut
• Delaware