Physical Therapy Costs: Health Insurance vs. HMO - Cost Comparison

Comparing costs for 10 physical therapy sessions at $50 each:

Health Insurance Policy

• Total cost: 10 × $50 = $500
• Deductible: $200
• Insurance covers 65%: $325
• After deductible: $325 – $200 = $125 covered
• Patient cost: $500 – $125 = $375

HMO Plan

• 10 sessions × $15/visit = $150 total

Savings

$375 (insurance) – $150 (HMO) = $225 saved with HMO for 10 sessions.