The Cost of In-Home Physical Therapy in Florida: PIP, MedPay, Cash, and What You Actually Pay

For most of the patients we treat — Florida residents within 14 days of a car accident — the visit costs them $0 out of pocket. PIP pays the bulk, MedPay typically covers what's left, and PT Near Me bills both directly. For patients without an auto-accident case, the model is different: we publish cash-pay rates and we don't take commercial health insurance.

This page walks through every funding scenario we see and what you actually pay in each one. If you want the broader PIP overview first, the Does Florida PIP Cover Physical Therapy guide explains how PIP works as a benefit before this guide explains what it costs.

If you were injured in a Florida motor vehicle accident and you have a standard Florida auto policy with PIP and MedPay, this is almost always the funding stack. PIP is mandatory on every Florida auto policy under F.S. § 627.736. MedPay is optional but extremely common.

If MedPay isn't on the policy, PIP still pays 80% of approved medical. The remaining 20% is the patient's responsibility — but in practice, for auto-accident cases handled with a personal injury attorney, the 20% is often deferred and settled as part of the eventual liability claim against the at-fault driver's insurance.

• Out of pocket per visit at the time of service: typically $0 — we don't collect the 20% at the door for active PIP cases.
• 20% balance: tracked against the case and resolved at the end of care, usually through the patient's attorney if there's a third-party liability claim.
• Total exposure if no attorney and no settlement: roughly $35–$45 per visit (20% of an approved PT visit), with the rest absorbed by PIP up to the cap.

Some patients aren't post-MVA — they're post-surgical, have chronic pain, or just want PT at home for convenience. For those cases we publish cash-pay rates. There's no insurance billing, no co-pay reconciliation, no surprise bill weeks later.

Cash-pay patients can submit a superbill to their commercial health insurance for possible out-of-network reimbursement; we provide the documentation but don't manage the claim. HSA and FSA funds are typically eligible for PT — confirm with your plan administrator.

Medicare coverage of in-home PT is a frequent point of confusion. There are two distinct Medicare programs, and they have very different rules. The In-Home PT vs. Medicare Home Health guide walks through this in detail.

• Medicare home health (Part A): covers PT at home but only for patients certified as homebound and under a physician's plan of care. Strict CMS criteria, defined in the Medicare.gov home health coverage rules.
• Medicare Part B outpatient PT: covers PT in a clinic or at home if delivered by an outpatient provider. After the Part B deductible, Medicare pays 80% and the patient (or their Medigap policy) pays 20%.
• Medicare Advantage: rules vary by plan. Some plans contract with PT Near Me; most do not. Verify with the plan before scheduling.

For Medicare patients who were injured in a car accident in Florida, PIP is billed first, not Medicare — that's both federal law (Medicare is a secondary payer when auto insurance applies) and Florida practice. Confirm the funding source with the intake team before the first visit.

• Geography: Rates are uniform across our Florida service map. A visit in Naples costs the same as a visit in Tallahassee.
• Visit length: The first visit is longer (full evaluation) and priced higher than follow-ups. Sessions run as long as the plan of care requires, not as long as the meter ticks.
• Clinician seniority: Every patient is treated by a Florida-licensed DPT. There's no junior-vs-senior rate split.
• Documentation, HEP, physician reporting: Included in every visit. We don't charge separately for the home program or the reporting cadence.
• Weekend or evening visits: No surcharge for off-hours scheduling.

Three questions come up on almost every intake call, so it's worth answering them here.

1. Will I get a bill later? For active PIP cases, no — we don't balance-bill patients while PIP is open. For cash-pay, the rate is paid at the visit and there's nothing more.
2. What if PIP runs out mid-treatment? We notify the patient and the referring physician when we're within ~$1,500 of the cap, and we discuss MedPay, third-party liability, or cash-pay options before continuing.
3. Can I use my health insurance? Not directly — PT Near Me doesn't bill commercial health insurance. Cash-pay patients can submit a superbill for possible out-of-network reimbursement.

Rates and billing rules above apply everywhere we operate. Service-area pages for the major hubs:

Full list of all 47 cities is on the Service Areas page.