Yes, physical therapy coverage is generally included by health plans available through the Colorado state exchange (Connect for Health Colorado).
Our client Emma, a young athlete from Boulder, suffered a knee injury while training for a marathon. Her doctor recommended physical therapy as part of her recovery plan, but Emma was unsure if her health insurance policy would cover the costs. She reached out to Ian Young Health Insurance for help.
We reviewed Emma’s insurance policy and provided a clear explanation of her physical therapy coverage, including the number of sessions covered, any copays or deductibles, and the process for obtaining pre-authorization if needed. We also helped her find an in-network physical therapist who specialized in sports injuries. With our guidance, Emma was able to begin her physical therapy sessions promptly, knowing that her insurance would support her recovery every step of the way. She is now back on her feet and training again, confident that her health is in good hands.
Colorado Physical Therapy Coverage Key Points:
- Essential Health Benefit: Colorado Health Insurance Physical Therapy Coverage is considered one of the essential health benefits (EHBs) under the Affordable Care Act (ACA), so all plans are required to cover physical therapy services.
- Coverage Details:
- Coverage typically includes visits to a physical therapist for treatment of injuries, rehabilitation after surgery, or management of chronic conditions.
- The specifics of coverage, such as the number of covered visits, may vary by plan. Some plans may limit the number of physical therapy sessions per year or may require prior authorization for certain treatments.
- Cost-Sharing: While physical therapy is covered, patients may still be responsible for copayments, coinsurance, and meeting their deductible.
Click Here to watch an Ian Young Health Insurance video about Physical Therapy Benefits
Schedule an appointment with Ian Young Health Insurance today to find out the specific details of physical therapy coverage under the various Colorado Health Insurance plans. Email us with any questions.
