Time & Cost Comparison between in and out-of-network reimbursement

In-network insurance companies will not reimburse physical therapy services for 1 full hour of specialized one-on-one care. The typical in-network physical therapist treatment time is reduced to an average of only 15 minutes per session. A typical insurance co-pay is $30. A full hour of care would require 4 sessions and result in $120 of out-of-pocket expenses for in-network copay, plus the cost and time for traveling.