Insurance
Most insurance policies cover physical therapy services when provided by a physical therapist. Ask the person providing your care if they are in fact a physical therapist, or a physical therapist assistant being supervised by a physical therapist. Physical therapists who are members of the American Physical Therapy Association (APTA) pledge to comply with the Association's Code of Ethics and Guide for Professional Conduct. APTA members maintain and promote high standards in the provision of physical therapy services

What Can You Do to Improve Your Physical Therapy Coverage?
Talk with your employer/benefits manager. The employers who contract and pay for employee health care plans often have the most influence with insurers. Employers are interested in keeping their employees on the job and their premiums low, so providers who can help employees prevent injuries and avoid recurrence (as well as promote a healthy lifestyle) have particular appeal to them. Arrange a meeting with your human resources director or whoever is responsible for negotiating the terms of the company's insurance plan.