Physical Therapy Cost in Illinois
Physical therapy (PT) helps restore movement and function after injury, surgery, or illness. PT session costs in Illinois range from $75 to $350 per visit, with most patients needing 6-12 sessions for common conditions.
Illinois Price Range
By choosing the lowest-cost provider
What is a Physical Therapy?
Physical therapy includes exercises, manual therapy, stretching, and other techniques to improve mobility, reduce pain, and prevent future injuries. Sessions typically last 30-60 minutes and are provided by licensed physical therapists.
Common Billing Codes (CPT/DRG)
Why Physical Therapy Prices Vary So Much
PT prices depend on session length, facility type (hospital-based vs. private practice), therapist specialization, and treatments used. Hospital outpatient PT can cost 2-3x more than independent PT clinics.
Lower-Cost Options
- Community hospitals in suburbs
- Freestanding imaging/surgery centers
- Cash-pay discounts (20-40% off)
Higher-Cost Options
- Academic medical centers (Northwestern, Rush)
- Hospital outpatient departments
- Out-of-network facilities
Physical Therapy Prices at Illinois Hospitals
Compare actual physical therapy prices reported by hospitals. Prices shown are cash-pay/self-pay rates from hospital transparency files.
Payment Options Comparison
See how different payment methods affect your out-of-pocket cost
Cash/Self-Pay
Hospital list price
$150
Full price
- No insurance needed
- May qualify for discounts
With Insurance
Estimated negotiated rate
~$120
Save ~$30 vs cash
- Negotiated network rate
- Counts toward deductible
- Actual cost depends on plan
With HSA/FSA
Tax-free payment
$98
Save $52 in taxes (~35%)
- Pay with pre-tax dollars
- Federal + State + FICA savings
- Rolls over year to year
No monthly fees. FDIC insured.
HSA savings based on 22% federal + 4.95% IL state + 7.65% FICA tax rates. Actual savings vary by tax bracket.
Can I Afford This?
Check if your savings can cover this $150 procedure.
No monthly fees. Invest your balance. FDIC insured.
Insurance Tips for Physical Therapy
Most insurance plans cover physical therapy with a copay of $20-$75 per session. Many plans limit the number of covered visits (often 20-60 per year). Some plans require a referral from your doctor.
Before Scheduling, Ask:
- 1.Is this facility in my insurance network?
- 2.Does this procedure require prior authorization?
- 3.What is my out-of-pocket cost after deductible?
- 4.Is there a cash-pay discount if I pay upfront?
When Do You Need a Physical Therapy?
Physical therapy is recommended after surgery, for chronic pain, sports injuries, back problems, arthritis, neurological conditions, and balance issues. Starting PT early after injury typically leads to better outcomes.
Frequently Asked Questions
Related Procedures
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Price data sourced from hospital transparency files as required by the Hospital Price Transparency Rule. Last updated December 2025.