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

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

What does a physical therapy cost in Vermont?

You could pay $184 or $389 for the same physical therapy in Vermont - depending entirely on which facility you choose. The median cash price across 8 reporting hospitals is $308. This data comes directly 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 Vermont

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 Vermont

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

# Facility City Price vs median ($308)
1 Northwestern Medical Center VT $168 $140 below
2 Brattleboro Memorial Hospital Brattleboro, VT $176 $132 below
3 Northeastern Vermont Regional Hospital, Inc. St. Johnsbury, VT $258 $50 below
4 Mt. Ascutney Hospital and Health Center Windsor, VT $357 $49 above
5 Porter Hospital Inc Middlebury, VT $393 $85 above
6 University of Vermont Medical Center Inc Burlington, VT $408 $100 above
7 NORTH COUNTRY HOSPITAL & HEALTH CENTER INC VT $511 $203 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

  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

  • Northwestern Medical Center is the lowest-cost option at $168 - $140 below the median posted price ($308), just by choosing where you go.
  • Ask for the cash price if your deductible isn't met - the median cash price here is $308, 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 Vermont, October 2026
CoverageHospitals with a rateTypical rangeMedian
Medicare (national rate)—$101 to $101$101
With insurance (commercial, average)8$165 to $421$218
Without insurance (cash price)8$165 to $439$308
Blue Cross and Blue Shield of Vermont7$148 to $339$210
Cigna8$112 to $474$305
UnitedHealthcare7$119 to $495$327
Aetna4$144 to $399$277

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 Vermont?

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 Vermont?

Across 8 Vermont hospitals, the negotiated rates commercial insurers pay for physical therapy average $165 to $421 per hospital, with a median near $218. 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 Vermont?

Cash (self-pay) prices for physical therapy at 8 Vermont hospitals range from $165 to $439, with a median of $308. 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 Blue Cross and Blue Shield of Vermont?

Blue Cross and Blue Shield of Vermont negotiated rates for physical therapy at 7 Vermont hospitals range from $148 to $339, with a median near $210. 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 Cigna in Vermont?

Cigna negotiated rates for physical therapy at 8 Vermont hospitals range from $112 to $474, with a median near $305. 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 Vermont?

UnitedHealthcare negotiated rates for physical therapy at 7 Vermont hospitals range from $119 to $495, with a median near $327. 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 Vermont?

Aetna negotiated rates for physical therapy at 4 Vermont hospitals range from $144 to $399, with a median near $277. 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 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
$308–$911
  • Facility fee $158–$511
  • Professional fee $150–$400

Estimated from CMS fee schedules + commercial rate multipliers

Hospital Inpatient
$318–$808
  • Facility fee $168–$408
  • Professional fee $150–$400

Estimated from CMS fee schedules + commercial rate multipliers

The University of Vermont Health Network effectively dominates Vermont's hospital market, with limited competitive alternatives statewide. Vermont's all-payer ACO model and its history of near-single-payer reform have created a more price-regulated environment than most states. Prices here are relatively compressed compared to New England neighbors, but not dramatically below the regional average.

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Why prices vary - and what it means for your coverage

Setting matters too: the median outpatient price is $308 versus $258 inpatient, 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 ~$308
Deductible met - 20% coinsurance ~$62
Out-of-network provider $678+

Frequently asked questions: physical therapy costs in Vermont

How much does a physical therapy cost in Vermont?

The typical insurer-negotiated rate is $92, with most facilities between $84 and $136 (based on 8 hospitals reporting negotiated rates). Posted cash prices at the middle 80% of Vermont hospitals run $165–$439; 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 Vermont?

Based on declared prices, the lowest posted price in our Vermont data is Northwestern Medical Center at about $168.

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

Typical prices vary about 1.6× (25th to 70th percentile of negotiated rates) because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Vermont, the median cash (self-pay) price is $308 versus a median negotiated rate of $218 - about 1.4× 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 Vermont?

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 Vermont

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 Vermont

Bone, joint and pain

Imaging and scans

Heart and cardiac tests

Sleep and breathing tests

Scopes and screening

General surgery

Lab tests

Ear, nose and throat

Urology and women's health

Eye care

Infusions

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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