1. By: Ashley Fowler

2. Physical therapy helps in the recovery of musculoskeletal disorders. The objective is bringing back the patient from painful and motion limiting conditions after an injury or sickness helping them get back to normalcy. Physical therapy is also very important for recovery in those suffering from cardiopulmonary and neurological problems. Physical therapy is important for those with permanent disabilities. Treatment teaches them how to deal and function within their limitation in the event that they will live with the situation for the rest of their lives.

5.  Example given by NY Physical Therapy Assoc. Anesthesiologist (per visit)Physical Therapist Average per visit allowable charge $110.00 Average per visit allowable charge $42.00 Specialist co-payment$ 40.00Specialist co-payment$40.00 Insurer pays$70.00Insurer pays$2.00 % Patient pays36% Patient pays95%

6.  Co pays of no more than 20% or the same as primary care physicians country wide.

7.  Serveral states have been able to have legislation passed on the matter. Including South Dakota, Kentucky, and Missouri.  Other states are still fighting. Including Pennsylvania, and New York.  New York has been fighting high co pays since 2009 and are still trying to have changes made.

8.  http://www.apta.org http://www.apta.org  http://www.pacificaorthopedics.org/wp10/physical- therapy/the-importance-of-physical-therapy-2/ http://www.pacificaorthopedics.org/wp10/physical- therapy/the-importance-of-physical-therapy-2/  http://www.kaiserhealthnews.org/Stories/2012/Apri l/23/patient-physical-therapy-payments.aspx http://www.kaiserhealthnews.org/Stories/2012/Apri l/23/patient-physical-therapy-payments.aspx  http://www.evidenceinmotion.com/about/blog/2011 /02/excessively-hi-copays-in-physicaltherapy-how- you-can-help/ http://www.evidenceinmotion.com/about/blog/2011 /02/excessively-hi-copays-in-physicaltherapy-how- you-can-help/  http://www.stophighcopays.com/ http://www.stophighcopays.com/  http://www.apta.org/Media/Releases/Legislative/20 13/7/9/ http://www.apta.org/Media/Releases/Legislative/20 13/7/9/  http://www.nypta.org/displaycommon.cfm?an=1&su barticlenbr=207 http://www.nypta.org/displaycommon.cfm?an=1&su barticlenbr=207