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No Guessing Required

Pricing for Physical Therapy, Clinical Pilates, Training & Dry Needling

Whether you're using insurance or paying out-of-pocket, you deserve to know what you'll pay before your first visit, so you can make the right decision for your health and your budget.

Physical Therapy
Clinical Pilates
Personal Training
Dry Needling

We Accept These Insurance Carriers

For physical therapy, we accept most major insurance plans and offer flexible self-pay options. If you're not sure where to start, we'll work with your provider to get the referral paperwork handled. Since deductibles, co-pays, and coverage vary, and some optional services aren't covered, our team walks you through every detail before treatment begins.

  • BCBS insurance logo — insurance partner at EW Motion Therapy.
  • Medicare insurance logo — insurance partner at EW Motion Therapy.
  • United Healthcare insurance logo — insurance partner at EW Motion Therapy.
  • Viva Health insurance logo — insurance partner at EW Motion Therapy.
  • Aetna insurance logo — insurance partner at EW Motion Therapy.
  • Humana insurance logo — insurance partner at EW Motion Therapy.
  • Tricare insurance logo — insurance partner at EW Motion Therapy.
  • Cigna insurance logo — insurance partner at EW Motion Therapy.
  • ChampVA insurance logo — insurance partner at EW Motion Therapy.
  • All Worker's Compensation Plans insurance logo — insurance partner at EW Motion Therapy.
Don't see your insurance? Contact us to verify your coverage.
Physical Therapy Patient Costs

Simple, Predictable Pricing

Health, wellness, and longevity shouldn't require you to stress over your physical therapy bills. Whether you have a co-pay, co-insurance, or prefer to pay out of pocket, we make sure you know exactly what to expect before you ever walk through our door.

Co-Pay

One flat rate. No math, no surprises. *After deductible 
Same amount every visit
No balance billing after your appointment
We confirm your exact co-pay before your first visit
Takes the guesswork out of potential price variance between sessions
Speak with a Coordinator

Co-Insurance

You and your plan split the cost.       *After deductible
Pay only your percentage
Your plan covers the rest after your share
Use HSA or FSA funds toward what you owe
We verify your benefits before your first visit
Request an Appointment

Self-Pay

A great option if you have no insurance or a plan that doesn't cover all you need.
No pre-authorization or referral needed
Schedule freely with no insurance visit limits
Use HSA or FSA pre-tax funds
Can cost less than insurance-based pricing
Book a Consultation Today
What to Expect

Program Pricing

We offer three services designed to meet you wherever you are in your movement journey. Here's what each one costs.
Clinical Pilates
Self-Pay Only
Evaluation Package (see details) $350
Private Session $100
Semi-Private Session $58/client
Group Class $38/client
Contact us for current rates. HSA/FSA accepted.
Personal Training
Self-Pay Only
Evaluation Package (see details) $150
Private Session $88
Semi-Private Session $53/client
Group Class $38/client
Contact us for current rates. HSA/FSA accepted.
Dry Needling
Self-Pay Pricing
Evaluation
(see details)		 $118
Dry Needling Session $68
   
   
May be covered as part of PT care.
For Physical Therapy Patients Using Insurance

Understanding Insurance Coverage

Insurance typically only covers physical therapy services. Clinical Pilates and personal training are self-pay. If you're using insurance for PT, here's what you need to know.

Understanding Deductibles

Your Deductible $1,500
Amount Met So Far
 $800
Remaining to Meet $700

Example only. Once you meet your deductible, your copay or coinsurance takes effect.

How It Works

Understanding Your Deductible

Your deductible is the amount you pay out-of-pocket before your insurance starts covering costs. If your deductible is $1,500 and you haven't met it yet this year, you'll pay the full session cost until you hit that threshold.

Deductibles reset every January. If you're starting physical therapy early in the year and haven't had other medical expenses yet, you may be responsible for the full cost of your first few visits.

Once you meet your deductible, your insurance begins covering a portion of each visit — and your out-of-pocket cost drops significantly. That's when your copay or coinsurance kicks in.
WHAT YOU PAY PER VISIT

Copay vs. Coinsurance

Once your deductible is met, you'll pay either a copay or coinsurance for each visit. Which one you have depends on your specific insurance plan.

A copay is a flat fee per visit — often between $20 and $60. It's the same amount every time, regardless of what your therapist does during the session.

A coinsurance is a percentage of the session cost — typically 20% to 30%. If your visit costs $150 and you have 20% coinsurance, you'll pay $30.

Before your first visit, we can verify your coverage and let you know exactly what to expect. You won't be surprised by your bill.

Example: Your Final Cost

Visit Cost (Before Insurance) $150
If deductible is met:  
20% coinsurance example $30
Copay Example $30

These are examples only. Your actual cost depends on your specific insurance plan. We verify coverage before your first visit.

Free Download

Get the Complete Pricing Guide

Learn more about everything that influences physical therapy costs, from how therapists bill your time to what drives pricing differences between sessions or diagnoses. You'll also get a deeper look at deductibles, copays, coinsurance, HSAs, and payment options if you don't have insurance.

  • How physical therapists bill your visit (CPT codes, treatment interventions, and billable time)
  • Breakdown of deductible vs. copay vs. coinsurance
  • What to do if you don't have insurance
  • How to use your HSA or FSA for physical therapy
  • Payment plan options and budgeting strategies

Understanding Your Coverage

We can verify your insurance benefits before your first visit, so you'll know exactly what you'll pay before you schedule.
Have A Question? Contact Us

Common Questions About PT Costs & Insurance

What if I don't have insurance? You'll pay the full session cost out-of-pocket, which typically ranges from $55 to $220 for an initial evaluation and $40 to $155 per visit. We offer payment plans and can work with you to build a treatment schedule that fits your budget. Many patients choose to start with an evaluation, use a home exercise program between visits, and schedule check-ins every few weeks to keep costs manageable.
Do you offer payment plans? Yes. If paying for treatment upfront isn't realistic, we can set up a payment plan that works for your budget. Talk to our front desk team when you schedule your first visit.
How much will my PT treatment cost in total? It depends on your condition, your goals, and how your body responds to treatment. Some patients see significant improvement in 4 to 6 visits. Others need ongoing care for several months. Your therapist will give you a clearer timeline after your initial evaluation, and we'll keep you updated as your treatment progresses.
What if my deductible isn't met yet? You'll pay the full session cost until your deductible is met. Once you hit that threshold, your copay or coinsurance kicks in and your per-visit cost drops significantly. If you're early in the year and haven't met your deductible, ask us about self-pay pricing or payment plan options.
Can I use my HSA or FSA for physical therapy? Yes. Physical therapy is a qualified medical expense under IRS guidelines, which means you can use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for treatment. If you have an HSA or FSA, use that money first. It's pre-tax and designed for exactly this.
Why do costs vary between visits? Your therapist bills based on time spent and the type of treatment you receive. If your session includes more hands-on manual therapy or specialty techniques, the cost may be higher than a visit focused primarily on exercise progression. Your therapist will always let you know if a recommended intervention will affect your bill.
Do I need a referral from my doctor? It depends on your insurance plan and your state's direct access laws. In Alabama, you can start physical therapy without a referral, but some insurance plans still require one for coverage. We recommend getting a referral from your doctor regardless. That typically helps your insurance process claims faster.
What's pre-certification, and does my plan require it? Pre-certification means your insurance company needs to approve your physical therapy treatment before your first visit. Not all plans require it, but if yours does, we'll handle the paperwork. Call your insurance provider or check your plan documents to confirm whether pre-certification is required.