Let's face it. We all like to get the most out of our hard earned money. Well, now is the perfect time to finally get the physical therapy that you know you have needed, but may have been putting off due to costs. Read on for details. There may be a love/hate relationship with health insurance, but the fact is, your physical therapy is 100% covered if you have met either your 'out-of-pocket maximum' or the 'coinsurance maximum' for the year! An out-of-pocket maximum is the most you will have to pay for covered medical expenses in a plan year, through deductible and coinsurance, before your insurance plan begins to pay 100 percent of covered medical expenses. Out-of-pocket maximums are typically between $1,000 for an individual and up to $1...