When it comes to starting physical therapy, one of the most common questions patients ask is: “How much will this cost?” At Luna, we believe getting the care you need should be simple, transparent, and stress-free, that’s why we’ve designed an insurance and payment process that puts your confidence first, and makes it easy to understand how Luna works before you begin care.

Luna partners with most major insurance plans across the country. Whether you are covered by Medicare, Medicare Advantage, or a commercial insurance provider, chances are your physical therapy insurance coverage includes in-home physical therapy visits with Luna as part of your standard outpatient physical therapy benefit. For those using commercial insurance, Luna works with a broad range of partner plans that offer in-network care, ensuring you get the most value from your coverage. Many patients also ask, does Medicare cover physical therapy at home, and in most cases, the answer is yes when it meets medical necessity requirements.

For patients without insurance or with high deductible plans, Luna offers straightforward in-home physical therapy payment options with a transparent, affordable Luna Physical Therapy rate of $125 per visit. You will always know exactly what you are paying for, with no hidden fees or confusing bills later. These clear Luna Physical Therapy payment options help patients choose the best path forward based on their needs.

Before your first visit, a Luna Concierge team member will personally verify your insurance benefits and confirm any potential out-of-pocket costs. This quick phone call gives you the chance to ask questions and understand your options before deciding to begin care. Most importantly, you’ll never be billed before receiving treatment.

With Luna, there are no surprise bills. Our team handles billing directly with your insurance provider, just like a traditional outpatient clinic would. You will have full visibility into your physical therapy insurance coverage, and we will keep you updated every step of the way so you always understand exactly how Luna works when it comes to coverage and payment.

Luna patients enjoy the same exceptional level of care as they would in a clinic, often with better outcomes thanks to the personalized, one-on-one attention that comes from in-home treatment. And while the cost is about the same as a clinic visit, Luna eliminates the time, travel, and inconvenience of traditional care. 

We know life is busy, so Luna offers flexible scheduling that fits your routine. You’ll always know your costs before care begins, and our Concierge team is here to guide you through every detail, from coverage questions to appointment reminders.

Whether you use insurance or choose self-pay, Luna makes it easy to start physical therapy confidently. With transparent pricing, nationwide coverage, and a dedicated support team, you can focus on what truly matters: feeling better and getting back to the things you love.