The Cost of In-Home Physical Therapy in Florida: Auto Insurance, 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. Auto insurance pays the bulk, and PT Near Me bills it directly. For patients without an auto-accident case, the model is different: we publish cash-pay rates and we don't take regular health insurance or Medicare.

This page walks through every funding scenario we see and what you actually pay in each one.

If you were injured in a Florida motor vehicle accident and you have a standard Florida auto policy, this is almost always the funding source for your care. We bill the auto policy directly for the initial evaluation, treatment visits, home exercise program updates, re-evaluations, and the discharge summary sent to your physician — typically at $0 out of pocket to you.

Some patients aren't after a crash — 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 regular health insurance or Medicare 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, the auto insurance 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 auto-insurance cases, no — we don't balance-bill patients while the claim is open. For cash-pay, the rate is paid at the visit and there's nothing more.
2. What if my auto insurance coverage runs out mid-treatment? We notify the patient and the referring physician, and we discuss cash-pay options before continuing.
3. Can I use my health insurance? Not directly — PT Near Me doesn't bill regular health insurance or Medicare. 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.