Blog Post

Be in the Know: When is PT/OT/SLP Available to You? (And What Does Insurance Cover?)

Part 5: Embracing Flexibility with Out-Patient Therapy


As we conclude our enlightening journey through the “Be in the Know” series, our focus remains on empowering individuals with knowledge about accessing Physical Therapy (PT), Occupational Therapy (OT), and Speech-Language Pathology (SLP). In the preceding articles, we explored hospital-based therapy, different types of rehab centers, including acute care rehabs and home-based therapy. Now, in the final installment, we unravel the diverse landscape of out-patient therapy, offering flexibility and convenience for those who don’t require round-the-clock care.

Recap of Previous Articles:

  • Part 1 – Introduction to the Series: We introduced the series, emphasizing when and where individuals can access therapy services and the significance of insurance coverage.
  • Part 2 – Hospital Setting: Hospitals play a vital role in immediate care and rehabilitation, with PT, OT, and SLP integral to a patient’s recovery journey. Insurance typically covers these services.
  • Part 3 – Different Types of Rehab Centers: We explored inpatient rehabilitation facilities (IRFs), skilled nursing facilities (SNFs), and acute care rehabs like Encompass Health Rehabilitation Hospitals.
  • Part 4 – Home-Based Therapy: Home-based therapy programs bring healthcare professionals to the patient’s doorstep, offering personalized and comfortable rehabilitation. Eligibility criteria include homebound status and a face-to-face visit with a doctor.

Now, let’s explore the flexibility of out-patient therapy.

Out-Patient Therapy: Flexibility for Your Lifestyle

Out-patient services cater to individuals who don’t require round-the-clock care but seek therapeutic interventions for various reasons, including recovering from sports injuries, managing chronic conditions, or engaging in preventive care. This form of therapy allows patients to receive services while maintaining their daily routines, offering a balance between rehabilitation and lifestyle.

Various Out-Patient Settings:

Private Clinics:

  • Private clinics are independent healthcare facilities that offer out-patient therapy services. They often provide a range of therapeutic interventions, allowing individuals to choose a clinic that aligns with their specific needs.

Rehabilitation Centers:

  • Dedicated rehabilitation centers focus on out-patient services, providing specialized care for individuals recovering from injuries or managing chronic conditions. These centers may have advanced equipment and expertise tailored to specific rehabilitation needs.

Community Health Centers:

  • Community health centers serve as accessible hubs for out-patient therapy services. They are community-oriented, offering comprehensive care for individuals seeking therapy in a familiar and supportive environment.

At-Home Out-Patient Therapy:

  • Out-patient therapy can also come to you! Mobile therapy, a growing trend, allows individuals to receive therapy at home. Therapists travel to the patient, providing convenience and personalized attention.

Insurance Coverage for Out-Patient Therapy:

Understanding what insurance might cover for out-patient therapy is crucial for making informed decisions about accessing these services:

Clinic-Based Out-Patient Therapy:

  • Insurance generally covers clinic-based out-patient therapy. However, co-pays, deductibles, and coverage limitations may vary based on individual insurance plans. Checking with your insurance provider can provide clarity on the extent of coverage.

Mobile Therapy:

  • Mobile therapy, or out-patient therapy conducted at home, is also covered by many insurance plans. The coverage may include in-home sessions, but it’s essential to verify specific details with your insurance provider.

Clinic-Based Out-Patient Therapy:

Clinic-based out-patient therapy involves visiting a physical location, such as a private clinic or rehabilitation center, for therapeutic sessions. Here are some key aspects to consider:


  • Clinic-based therapy offers convenience, with individuals driving to the facility for scheduled sessions. This setup allows for structured therapy in a controlled environment.

Group Sessions:

  • In some cases, therapists may see multiple patients simultaneously in a clinic setting. This group approach is efficient and time-effective, providing therapy to multiple individuals in a shared space.

Mobile Therapy: A Growing Trend:

Mobile therapy, or out-patient therapy conducted at home, is gaining popularity for several reasons:

Convenience for Patients:

  • Patients appreciate the convenience of therapy coming to them, eliminating the need for travel. This is especially beneficial for individuals with mobility challenges or those who prefer the comfort of their homes.

Longer Sessions and One-on-One Attention:

  • Mobile therapy often allows for longer sessions, providing individuals with more focused attention from their therapists. This one-on-one approach can enhance the effectiveness of therapeutic interventions.

Preference for Home Environment:

  • Some individuals simply prefer the comfort of their home environment for therapy. This preference aligns with the philosophy that therapy should be personalized to the individual’s lifestyle and surroundings.


Out-patient therapy, whether clinic-based or mobile, offers a flexible and personalized approach to rehabilitation. As we conclude our series, remember to explore the options available and consider the setting that aligns with your unique needs and preferences. Be in the know, take charge of your healthcare decisions, and embark on your path to recovery and well-being.

About the Author: Regina started Mobile Therapy Solutions in October 2020. She is an Occupational Therapist with 22 years’ experience working with seniors in their homes.  She always says her favorite people are at least 90!  Her degree is from Keuka College in Upstate NY and she has lived in Cobb County since 2012 with her 3 girls.