Occupational therapy costs $100 to $350 per session without insurance, depending on the setting and specialization. With insurance, copays typically range from $20 to $75 per session. Children may qualify for free OT services through early intervention programs (under age 3) or school-based services (ages 3-21).
Cost by Setting
- Private outpatient clinic: $100-$250 per session
- Hospital-based outpatient: $200-$350 per session
- Home health OT: $150-$300 per visit
- Telehealth OT: $80-$200 per session
- School-based: Free for qualifying students
- Early intervention: Free or low-cost through state programs
What Affects Pricing
- Specialization: Hand therapy, pediatric sensory processing, and driving rehabilitation specialists may charge more
- Session duration: 30-minute sessions for children vs. 45-60-minute sessions for adults
- Location: Metropolitan areas have higher rates than rural areas
- Evaluation vs treatment: Initial evaluations (60-90 minutes) cost $200-$500; treatment sessions are less
Insurance Coverage
Most insurance plans cover occupational therapy with medical necessity. Key things to know:
- Pre-authorization may be required before starting treatment
- Annual visit limits are common (typically 20-60 visits)
- Medicare covers OT under Part B with a 20% coinsurance after the deductible
- Workers' compensation covers OT for work-related injuries
- Auto insurance covers OT for motor vehicle accident injuries
FAQ
Is an OT evaluation worth the cost?
Yes. A comprehensive evaluation identifies specific deficits and creates a targeted treatment plan. Without proper evaluation, therapy may address the wrong issues or miss underlying problems.
Can I use HSA or FSA funds for OT?
Yes. Occupational therapy is an eligible medical expense for Health Savings Accounts and Flexible Spending Accounts when prescribed by a physician.
What if my insurance denies OT coverage?
Request the denial in writing, ask your OT to submit a letter of medical necessity, and file an appeal. Many denials are overturned on appeal, especially with detailed clinical documentation.
Find an Occupational Therapist in Your Area
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