Will my insurance cover the cost of Physical Therapy?

In most cases, health insurance will cover your physical therapy treatment. Therapy One is contracted with most insurance providers in New Mexico and Colorado, including Medicare, Medicaid, and Workers’ Compensation programs.

For specific questions about your coverage, please call our office. Our receptionists and billing coordinators are happy to assist you and ensure you understand your benefits.


How much will it cost?

The amount you pay for physical therapy depends on your individual insurance benefits, including your deductible, co-payment, and coverage details.

In many cases, patients can expect a co-payment of approximately $20–$40 per visit, depending on their insurance plan.

If you have a high deductible or financial concerns, please let us know. In many situations, we can work with you to design a payment plan if necessary. Our goal is to help you receive the quality care you need and experience the benefits of treatment, rather than delaying care due to the high cost of insurance deductibles.


Do I need a referral to attend or start physical therapy?

No. In the state of New Mexico, you can see a physical therapist without a physician’s referral. This is known as Direct Access, which allows patients to schedule an evaluation and begin treatment with a licensed physical therapist without first visiting a doctor.

Although a referral is not required, it is preferred whenever possible.

Please note that some insurance plans may still require a referral or prior authorization in order for physical therapy services to be covered. Our staff can help verify your insurance benefits before your appointment if you have questions.


During your first visit, your physical therapist will perform a comprehensive examination and evaluation to identify the deficits or problems that can be addressed through physical therapy.

This evaluation includes a detailed medical history, a systems review, and specific tests and measurements that help your therapist gain a clear understanding of your condition. Based on these findings, your physical therapist will make a clinical judgment regarding your diagnosis and prognosis.

At the end of the evaluation, your therapist will review a personalized treatment plan designed to address the problems identified. Together, you and your therapist will establish goals based on your needs and expectations, with the aim of restoring and improving your physical well-being.

What happens on my first visit?


How long will my visit last?

Your first visit will last approximately 45–60 minutes and will include a comprehensive evaluation and treatment if time allows.

Follow-up visits typically last about 45 minutes, depending on your treatment plan and what your therapy team has scheduled for that session.

The frequency and duration of treatment will depend on your diagnosis, financial considerations, and availability. However, most patients attend therapy 1–2 times per week for about 4–6 weeks.


Please bring the following items to your appointment:

  • Your physician’s referral (if it has not already been sent to us)

  • Your medical insurance card

  • A valid photo ID

  • A list of your current medications

Farmington Patients:
Please arrive 15 minutes early for your first visit to complete the necessary medical intake forms. To save time, these forms are conveniently available on the New Patient Form tab on our website.

Santa Fe Patients:
Please complete the intake paperwork that was sent to the email address we have on file. If you have not received it or need assistance, please contact our Santa Fe office at (505) 477-2378. If you need help filling out the intake forms, please arrive 30 minutes early for your first appointment so we have enough time to assist you.

What do I need to bring?


Wearing comfortable clothing helps us properly examine and treat the area causing your pain. Please consider the following guidelines depending on your condition:

  • Knee problems: Wear shorts or sweatpants that can be rolled up above the knee.

  • Shoulder problems: A tank top or loose T-shirt allows easy access to the shoulder for evaluation and treatment.

  • Low back problems: Wear a loose-fitting shirt and comfortable pants so we can perform a thorough examination and treatment.

If you are unsure what to wear, comfortable athletic clothing is usually a good choice.

What should I wear to my appointment?