What Does Occupational Therapy Cost?
Pediatric occupational therapy is a common developmental service that is widely practiced in Illinois. Most major insurance companies will approve coverage for a majority of the expenses. In our experience, we see that insurance companies generally cover 70-80% of the annual costs for occupational therapy. The remaining percentage is owed out of pocket by the patient.
Even though insurance often covers most of the costs, patients owe expenses in the form of deductibles, copays, or coinsurances. We refer to the total amount paid for any of these costs as “Out of Pocket Costs.” We define each type below.
A Real Example of Occupational Therapy Costs
A Typical Scenario
Because every insurance plan has different benefits, the most we can do to project average pediatric occupational therapy costs is look at a typical Illinois insurance plan. To do this, we analyzed our patients’ benefits to come up with a sample plan that uses the most common plan type and deductible, copay, and coinsurance amounts. These are below: