Insurances We Accept

  • Aetna
  • Auto/Motor Vehicle Accidents
  • BlueCross and BlueShield
  • BMC Healthnet
  • CIGNA
  • Commonwealth Care Alliance
  • Fallon Health Plans
  • GIC
  • Harvard Pilgrim
  • Health Plans Inc.
  • Mass General Brigham Health Plan
  • MassHealth
  • Medicare
  • Medicaid (Massachusetts)
  • Neighborhood Health Plan Rhode Island
  • Optum Health
  • Tufts Health Plans
  • UHC
  • UMR
  • Wellpoint
  • Wellsense
  • Worker Compensation

If you do not see your insurance listed, please call our office for assistance.

Self-Pay Options

Self pay options are available.

We accept cash, check, HSA/FSA, and all major credit cards.

Insurance Options for Physical Therapy

Understanding insurance options for physical therapy can be one of the more confusing parts of getting care. At PhysioHealth, we make the financial side as straightforward as possible so you can focus on recovery.

Insurance Plans We Accept

We accept most major medical insurance plans for physical therapy. Common plans include Blue Cross Blue Shield, Aetna, United Healthcare, Cigna, Tufts Health Plan, Harvard Pilgrim, Medicare, and many smaller regional plans. Our team verifies your specific coverage and benefits before your first appointment so there are no surprises.

What to Expect From Your Coverage

Coverage for physical therapy varies widely by plan. Some plans cover visits at 100% after the deductible; others have copays, coinsurance, or visit limits. Our administrative team handles benefit verification and walks through the specifics of your plan before your first session.

If You’re Out-of-Network or Uninsured

We offer flexible self-pay rates and superbills for patients who are out-of-network or paying directly. Many patients use HSA or FSA funds to cover physical therapy. We’re happy to talk through whichever option fits your situation.

Direct Access in Massachusetts

Good news: Massachusetts is a direct-access state for physical therapy. That means you can see a physical therapist without first getting a referral from your primary care doctor — saving time and getting you into care faster.

Questions about your specific plan? Reach out or request an appointment and we’ll verify your insurance options for physical therapy at no cost.