How do I get my physical therapy covered after my accident?

Physical therapy can help you fully recover from an automobile accident.  Physical therapy techniques range from ultrasound and electrical stimulation to rehabilitation in the form of exercises to increase mobility.  Though physical therapy has many beneficial properties, it can also be costly.  Therefore, following an accident it is important to have your physical therapy covered by your insurance.  

Most insurance companies state that physical therapy require documents doctor, or a doctor’s referral.  Therefore, you should see a doctor before you pursue physical therapy both to ensure you can start physical therapy and to receive your doctor’s referral.  Additionally, some insurance companies ask that you also submit a physician’s referral for reimbursement of treatment fees.   

In addition, if your car insurance does not cover physical therapy, or you have exceeded your limits of coverage, your health insurance plan might include physical therapy treatments.  Also, workers’ compensation benefits may be another option to have your physical therapy covered after an accident.  Lastly, Medicare covers physical therapy in certain instances.  However, if you are not able to have your physical therapy costs covered by an insurance provider and you have to pay out of pocket for the therapy, many physical therapists will work out a payment plan with you to fit your budget.