What is the cost and insurance coverage for occupational therapy services?
The cost of occupational therapy services can vary depending on a number of factors, including the type of services provided, the location of the therapist, and the patient’s insurance coverage. In general, the cost of occupational therapy ranges from $100 to $200 per hour.
Here are some things to keep in mind about insurance coverage for occupational therapy:
- Your insurance company may require a referral from a doctor before they will cover occupational therapy services.
- The number of visits that are covered by your insurance plan may be limited.
- You may be responsible for paying a copayment or coinsurance for each visit.
- Some insurance plans may not cover occupational therapy services that are provided outside of a traditional medical setting, such as in a home or school.
Some insurers will pay OTs directly. Check with your insurance company to inquire. It is more likely to have funding for occupational therapy services when there is a specific neurological or orthopedic condition requiring services. It is more difficult, but not impossible, to get coverage for behavioral challenges and developmental delays. Private payment is possible and is negotiated on an individual basis, depending on distance traveled and number of hours required. The nationally accepted rate is $70 per hour for private consultation, $120 per hour for hospital based consultations.
