How Much Does Physical Therapy Cost in Santa Barbara?
Why It’s Hard to Find a Straight Answer
If you’ve tried searching “how much does physical therapy cost,” you’ve probably noticed most clinics don’t list clear pricing. That’s because costs vary depending on your insurance, the type of service, and where you go for care. At SB Physio, we believe patients deserve transparency so they can plan confidently.
What Insurance Really Means for Cost
If you’re using insurance, here’s what to know:
Copay or coinsurance: These only apply after your deductible is met.
Deductible: Until you’ve met your deductible, you are usually responsible for the full contracted cost of each visit — not just a small copay.
Plan type: Insurance plans all have different requirements, and coverage varies widely.
That means even though PT is “covered,” you may still owe more than expected until your deductible and benefits apply.
How Our New System Improves Transparency
SB Physio now uses the Prompt system to make costs clear from day one:
We check your estimated benefits before your first appointment.
Your insurance contracted rate is entered into our billing and kiosk system.
At every check-in, you’ll see exactly what you owe that day based on your plan.
Prompt also shows your expected reimbursement once your benefits apply.
This way, there are no surprises weeks later — you know your responsibility upfront at each visit.
Private Pay (Direct Pay) Options
If you prefer to bypass insurance or don’t have coverage, we offer simple, transparent rates:
40-minute PT session: $150
60-minute PT session: $225
Classes & Wellness Services: Flat-rate pricing (such as BalanceStrong, GolfFit, and Recovery Room sessions).
These rates give you predictable costs, faster access, and fewer interruptions from insurance.
What Affects Cost Beyond Insurance
Evaluation vs. follow-up: Your first visit usually includes a comprehensive evaluation, which is billed differently than a standard follow-up.
Specialty services: Options like Blood Flow Restriction training, PEMF, or Recovery Room services may not be billed to insurance and are offered as flat-rate wellness add-ons.
Plan length: A shorter plan of care will cost less than extended rehab programs.
Why Cost Isn’t the Whole Story
Price matters — but so does quality of care. At SB Physio, you’re seen by highly trained Doctors of Physical Therapy who provide one-on-one treatment, personalized plans, and real outcomes.
Unlike many clinics, what you pay for here is direct 1-on-1 care with a physical therapist — not billing for aide work or being left on a machine by yourself.
That investment often saves money long-term by avoiding unnecessary imaging, medications, or surgery.
Our Philosophy on Cost & Insurance
Insurance rules can create delays, restrictions, and surprises. At SB Physio, our approach is simple:
Your care should be guided by clinical expertise, not insurance interruptions.
We use advanced customer service and billing systems, like Prompt, so you can see exactly what you owe at check-in — no hidden fees, no delayed billing.
Whether you use insurance or private pay, we’re committed to transparency and seamless care.
Bottom Line
Insurance coverage varies — and until your deductible is met, expect to owe the full contracted rate.
Private pay is straightforward — $150 for 40 minutes, $225 for 60 minutes, plus flat-rate wellness class options.
Prompt makes your costs clear — you’ll see your responsibility at every check-in, with no surprises later.
SB Physio’s goal is transparency — giving you control, clarity, and confidence in your care.
