Michigan PT Coverage Checker
Answer a couple of questions and get your coverage lane: who pays, visit limits, whether you need a referral, and what to bring — based on Michigan's actual rules.
What brings you to physical therapy?
This tool explains Michigan's general rules — your specific plan governs. We verify every patient's exact benefits before the first visit, free.
The three questions behind the tool
Who pays for physical therapy after a car accident in Michigan?
Your own auto insurer, through no-fault PIP benefits — regardless of fault, with no set visit cap and typically no out-of-pocket cost for reasonably necessary accident care.
Does insurance limit how many physical therapy visits I can have?
Commercial plans commonly allow 20–60 visits per benefit year; Medicare has no hard cap (a documentation threshold applies); Michigan auto no-fault and workers' comp have no set visit caps — necessity governs.
Can I start physical therapy without a referral in Michigan?
Yes — Michigan direct access allows evaluation and treatment without a prescription for up to 10 visits or 21 days (wellness services exempt). Some insurance plans still require a referral for payment, which the clinic verifies and obtains.