How Much Does Physical Therapy Cost? [Guide for Meridian, Idaho]

At Precision Performance and Therapy in Meridian, Idaho, we understand that navigating the cost of physical therapy can be confusing. In this guide, we break down what you need to know about physical therapy pricing, insurance billing, and how to best estimate your out-of-pocket costs.

✍️ What Factors Affect the Cost of Physical Therapy?

Several variables influence the final price of your physical therapy visits. Here are the top 3 factors to consider:

  1. Insurance Rates for Physical Therapy Services

Most insurance-approved rates for physical therapy in Idaho range from $70 to $140 per visit. The rate depends on:

  • Your specific insurance provider
  • The type of treatment provided
  • The duration of the treatment provided

➡️ Important: Clinics may charge higher amounts (e.g., $250 per session), but if they’re in-network, they must accept the insurance’s contracted rate, not their full charge.

Example:
If the insurance allowed rate by your insurance is $100, and you haven’t met your deductible yet, you will pay the full $100 out of pocket for that visit.

  1. Deductibles, Coinsurance, and Copays

✔️ Deductible

This is the amount you must pay before your insurance starts covering treatment. Deductibles can range from $0 to over $9,500 per year.

✔️ Coinsurance

Once your deductible is met, coinsurance requires you to pay a percentage of the visit cost (often 10%-50%).
Example:
Allowed rate = $100
Coinsurance = 20%
You pay $20, insurance pays $80

✔️ Copay

A fixed fee per visit (usually $10–$65) that doesn’t change regardless of service cost.
Example:
Allowed rate = $100
Copay = $35
You pay $35, insurance covers the rest.

  1. Number of Visits Required

The total cost also depends on how many visits you need. This varies based on:

  • The severity or complexity of your condition
  • Your pain levels
  • How consistent and proactive you are in your recovery process

✍️ Additional Factors That Affect Physical Therapy Costs

  • Maximum Out-of-Pocket Limit

Once you reach your Max Out-of-Pocket, your insurance should cover 100% of remaining medical expenses, including physical therapy.

  • Secondary Insurance Coverage

If you have secondary insurance, it can reduce your personal cost. After your primary insurance processes the claim, remaining balances may be billed to your secondary plan.

  • Non-Covered Treatments

Some services—like dry needling, iontophoresis, or advanced manual therapy—may not be covered by insurance. These treatments may result in additional out-of-pocket charges.

⚡ Cost Transparency at Precision Performance and Therapy

At Precision Performance and Therapy, we’re committed to helping you understand and manage your physical therapy expenses. While we are in-network with most major insurance providers and must adhere to contracted rates, we also:

✅ Work with patients who face financial hardships
✅ Help to offer clarity on your insurance coverage
✅ Help estimate your cost per visit before you start treatment

⭐⭐⭐ Why Choose Us?

Located in Meridian, Idaho, Precision Performance and Therapy is a trusted provider of evidence-based physical therapy and sports performance care. We focus on individualized treatment plans and cost transparency to ensure you receive high-quality care without unnecessary financial stress.

Ready to Start Physical Therapy?

Call us today at 208-376-7313 or request an appointment online to speak with our team about your coverage and physical therapy needs.

FAQ Summary

➡️What is the average cost of physical therapy in Meridian, Idaho?

The average cost of physical therapy in Meridian, Idaho ranges from $70 to $140 per visit, depending on your insurance provider, treatment type, and visit duration. In-network clinics must accept the contracted rate set by insurance, even if their clinic standard rate is higher.

➡️What factors affect how much I pay for physical therapy?

Your out-of-pocket cost for physical therapy depends on:

  • Your insurance plan’s deductible, coinsurance, and copay
  • The number of visits needed based on your condition
  • Any non-covered treatments like dry needling
  • Whether you’ve reached your max out-of-pocket limit
    or have a secondary insurance that may help reduce costs further.

➡️How does insurance coverage impact physical therapy costs?

Insurance coverage directly impacts physical therapy costs. If you’re in-network, you only pay the insurance-approved rate. Depending on your plan, you may have to pay the full visit cost until your deductible is met, then either a coinsurance percentage (10%-50%) or a fixed copay ($10–$65) per visit.

➡️Can I estimate my physical therapy costs before starting?

Yes. At Precision Performance and Therapy in Meridian, Idaho, we can help estimate your physical therapy costs in advance based on your insurance benefits. When the information is provided, we can review your deductible status, copay, coinsurance, and visit needs to give you a transparent, personalized cost estimate.