Being proactive about your insurance coverage can be a good idea when it comes to physical therapy. Most of the time, insurance providers cover physical therapy services, provided that a patient has some sort of condition that warrants this treatment. Sometimes, insurers will require a treating physician to officially refer a patient before services will be covered, though. As a result, it is a good idea to connect with your health insurance provider before attending your physical therapy appointments. This way, you’ll know – for sure – whether your treatment is covered, whether you are being subjected to a “cap” on the number of sessions you can attend at a fully covered rate, whether you will need to secure a referral before receiving services at a covered rate, etc.