Physical therapy insurance, physical therapy cost

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Insurance Coverage for Physical Therapy

Insurance companies typically cover physical therapy. However, you should check your exact coverage details with your insurance carrier because plans vary. We accept Medicare as well as a number of other major insurance plans.

Please note: One of our supplemental services, massage therapy, is not usually covered by insurance directly, but we can help you seek reimbursement. Learn more about massage therapy and its cost.

Referrals for Physical Therapy

All of our services require a referral from a medical provider, such as a:

  • Medical doctor (MD)
  • Physician Assistant (PA-C)
  • Nurse practitioner (NP)
  • Chiropractor

Insurance Accepted:

Please call our office if you have questions about the insurance plans we take. We accept many of the plans provided by these insurance carriers:

  Aetna    Health Alliance Medical Plans    Private Healthcare Systems, Inc. (PHCS)    
  Anthem Blue Cross and Blue Shield    Healthcare USA    RightChoice  
  AARP    HealthLink    Quality Health Management   
  Blue Cross and Blue Shield of Missouri    HFN, Inc.    TriCare   
  Beech Street Corporation    Home State Health Plan    Union Pacific Railroad Employees HS   
  Cigna    Humana    United Health Care  
  Coventry Health Care of Missouri    Medicare    USA Managed Care Organization   
  Cox HealthPlans    MultiPlan, Inc.    Washington University Medical Student Health Services  
  Essence   Northwood/NPN Inc.   Washington University Student Health Services   
  Hannibal PHO   Preferred Plan   Wellborn Health Plans  


Contacting Your Insurance Company

We recommend that you call the customer service number on the back of your insurance card to verify your eligibility for physical therapy, your benefits and whether a particular service is covered. Please tell them you wish to receive physical therapy at:

Barnes-Jewish West County Hospital
12634 Olive Boulevard
Creve Coeur, MO 63141

Questions for Your Insurance Carrier

When you call customer service at your insurance carrier, helpful questions include:

  • Is Barnes-Jewish West County Hospital “in network” with my insurance plan?
  • What are my benefits for outpatient physical therapy?
  • How many visits am I allowed each calendar year?
  • What is my deductible, and does physical therapy apply to it?
  • How much are my co-pays?
  • Does my plan require pre-authorization?

Physical Therapy Costs

Your cost for physical therapy depends on the details of your insurance plan, including your co-pays (if any), for outpatient physical therapy.

We determine physical therapy costs based on the duration of each session and the types of services performed. Upon request, our team can help estimate your costs.

Learn more about our financial assistance and bill resources.

Contact Us

To learn more about our services or make an appointment, please call a STAR location:

  • Chesterfield — Washington University and Barnes-Jewish Orthopedic Center: 314.514.3636
  • Creve Coeur — Barnes-Jewish West County Hospital: 314.996.3050
  • South County — Center for Advanced Medicine: 314.286.1000


Creve Coeur: 314.996.3050
Chesterfield: 314.514.3636
South County: 314.286.1000

STAR Locations




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Find a doctor or make an appointment: 314.542.WEST (9378) OR TOLL-FREE 1.844.542.9378
General Information: (314) 996.8000
12634 Olive Boulevard
Creve Coeur, Missouri 63141
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