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

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

What does a physical therapy cost in New York?

The same physical therapy in New York might cost you $103 at one facility and $236 at another - the building you walk into drives the difference. The median cash price across 136 reporting hospitals is $158. These figures come straight 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 New York, from hospital price files

  • Crouse Hospital · Syracuse, NY $71
  • Newark-Wayne Community Hospital · Newark, NY $71
  • Rochester General Hospital · Rochester, NY $71

All 136 facilities are listed below, free.

Where physical therapy costs vary in New York

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 New York

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

# Facility City Price vs median ($158)
1 Crouse Hospital Syracuse, NY $71 $87 below
2 Newark-Wayne Community Hospital Newark, NY $71 $87 below
3 Rochester General Hospital Rochester, NY $71 $87 below
4 Clifton Springs Hospital And Clinic Clifton Springs, NY $71 $87 below
5 The Unity Hospital of Rochester Rochester, NY $71 $87 below
6 Little Falls Hospital NY $73 $85 below
7 Aurelia Osborn Fox Memorial Society One Norton Ave Oneonta, NY $73 $85 below
8 BASSETT HOSPITAL OF SCHOHARIE COUNTY NY $73 $85 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

  • Crouse Hospital is the lowest-cost option at $71 - $87 below the median posted price ($158), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $159, 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 New York, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$101 to $101$101
With insurance (commercial, average)126$97 to $310$187
Without insurance (cash price)151$71 to $531$159
Empire BlueCross BlueShield109$87 to $383$183
Aetna95$70 to $342$266
Cigna91$120 to $326$234
UnitedHealthcare75$85 to $383$153

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 York?

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 York?

Across 126 New York hospitals, the negotiated rates commercial insurers pay for physical therapy average $97 to $310 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 York?

Cash (self-pay) prices for physical therapy at 151 New York hospitals range from $71 to $531, with a median of $159. 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 Empire BlueCross BlueShield in New York?

Empire BlueCross BlueShield negotiated rates for physical therapy at 109 New York hospitals range from $87 to $383, with a median near $183. 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 New York?

Aetna negotiated rates for physical therapy at 95 New York hospitals range from $70 to $342, with a median near $266. 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 York?

Cigna negotiated rates for physical therapy at 91 New York hospitals range from $120 to $326, with a median near $234. 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 New York?

UnitedHealthcare negotiated rates for physical therapy at 75 New York hospitals range from $85 to $383, with a median near $153. 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
$201–$1,444
  • Facility fee $51–$1,044
  • Professional fee $150–$400

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$201–$1,008
  • Facility fee $51–$608
  • Professional fee $150–$400

Estimated from CMS fee schedules + commercial rate multipliers

New York has some of the highest hospital prices in the country, driven by extreme labor costs, regulatory complexity, and the dominance of large academic medical systems - NewYork-Presbyterian, NYU Langone, Northwell, and Mount Sinai all command substantial commercial rate premiums. Upstate New York prices are substantially lower than the NYC metro area. The No Surprises Act and state-level billing protections apply, but the baseline rates themselves remain among the nation's highest.

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Why prices vary - and what it means for your coverage

A small number of hospitals (5) report prices above $646, including Memorial Hospital for Cancer and Allied Diseases at $1,044, 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 $158 versus $210 inpatient (about 1.3× more), so where a procedure happens often matters more than which hospital you pick.

None of the prices above are what you'll necessarily owe: your deductible, out-of-pocket maximum, and each provider's network status all still apply.

Your situation Estimated out-of-pocket
Deductible not yet met ~$158
Deductible met - 20% coinsurance ~$32
Out-of-network provider $348+

Frequently asked questions: physical therapy costs in New York

How much does a physical therapy cost in New York?

The typical insurer-negotiated rate is $86, with most facilities between $62 and $93 (based on 136 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of New York hospitals run $71–$531; 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 New York?

Based on declared prices, the lowest posted price in our New York data is Crouse Hospital in Syracuse at about $71. By metro, Rochester has the lowest median ($67).

Why is a physical therapy so much cheaper at some New York 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 New York, the median cash (self-pay) price is $159 versus a median negotiated rate of $187 - 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 New York?

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 New York

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 New York

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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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