Physical therapists help restore function, improve mobility and relieve pain.
But they also help people prevent problems before they start. In order to make sure you get the help you need from your health insurance, physical therapy services should be listed separately in the benefit language, so that your access to necessary services is not compromised. Federally qualified HMOs are required to have physical therapy in their benefits packages. Studies show that early intervention by a physical therapist improves employee productivity by reducing the chances that the condition will become chronic and costly. Physical therapy can save a company money by facilitating an earlier return to work and greater overall productivity, decreasing future disability expenses, decreasing costs associated with repeat injuries and chronic conditions, etc.