Cigna Coverage for Physical Therapy
Yes, Cigna covers physical therapy for joint pain with plan-specific limits.
Quick Facts
| Coverage Aspect | Details |
|---|---|
| Covered? | Yes |
| Prior Authorization | Often required |
| Visit Limits | 20-60/year typically |
| Network | In-network saves money |
What You’ll Pay
| Plan Type | Typical Cost |
|---|---|
| PPO in-network | $25-$50/visit |
| HMO | $20-$40/visit |
| High-deductible | Full cost until deductible |
Maximizing Benefits
- Verify benefits before starting
- Use in-network providers
- Track visits against limits
- Document progress each session