Physical and occupational therapy practices in Arizona
PlanOptica tracks 3 health and welfare plans sponsored by 3 physical and occupational therapy practices in Arizona, covering 674 participants and $1.4M in reported insurance premiums (plan year 2025 filings). The median plan has 116 participants, and the most common size is under 100 participants (33% of plans). The funding mix is split: 33% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of Arizona leads by premium with a 47% share, followed by Cigna Health and Life Insurance Company at 35%. Benefit Commerce Grp, an Alera Grp is the broker of record on 1 plan, more than any other firm, ahead of M and O Agencies, Inc (1). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $38K a year, about 7.1% of premium. Scottsdale, Gilbert and Phoenix have the most plans.
Funding mix
- Fully insured2 · 67%
- Mixed1 · 33%
Plan size (participants)
- Under 1001 · 33%
- 100 to 2491 · 33%
- 250 to 4991 · 33%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 116 participants. Median broker comp: 7.1% of premium across 3 brokered plans.
Top carriers, physical therapy, Arizona
- 1Blue Cross Blue Shield of Arizona$651K1 plans · 46.6%
- 2Cigna Health and Life Insurance Company$496K1 plans · 35.5%
- 3The Lincoln National Life Insurance Company$170K1 plans · 12.1%
- 4The Guardian Life Insurance Company of America$44K1 plans · 3.1%
- 5Equitable Financial Life Insurance Company of America$30K1 plans · 2.1%
- 6Curalinc LLC$7K1 plans · 0.5%
Top brokers, physical therapy, Arizona
Largest physical and occupational therapy practices in Arizona
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Spooner, Inc Spooner, Inc. Employee Benefits ProgramAll plans | Scottsdale | Mixed | 459 | $170K | The Lincoln National Life Insurance Company |
| Lauren's Institute for Education Inc Lauren's Institute for Education Health and Welfare Benefits PlanAll plans | Gilbert | Fully insured | 116 | $688K | Blue Cross of California |
| Therapy Tree Therapy Tree PLLCAll plans | Phoenix | Fully insured | 99 | $540K | Cigna Health and Life Insurance Company |
Plans by city in Arizona
Frequently asked questions
How many physical and occupational therapy practices in Arizona offer an ERISA health plan?
3 health and welfare plans from 3 physical and occupational therapy practices in Arizona appear in plan year 2025 filings on Form 5500, covering 674 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most physical and occupational therapy practices in Arizona?
By Schedule A premium: Blue Cross Blue Shield of Arizona (47% of premium, 1 plan), Cigna Health and Life Insurance Company (35% of premium, 1 plan) and The Lincoln National Life Insurance Company (12% of premium, 1 plan).
Which benefits brokers work with physical and occupational therapy practices in Arizona?
By number of client plans: Benefit Commerce Grp, an Alera Grp (1 plan), M and O Agencies, Inc (1 plan) and Sequoia Benefits & Ins Svcs LLC (1 plan). 100% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Arizona?
The median brokered plan reports $38K a year in broker commissions and fees, or 7.1% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Arizona self-funded or fully insured?
Fully insured 67% and mixed 33%. Self-funded and mixed plans together make up 33%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Physical, occupational and speech therapists and audiologists (NAICS 621340), plus healthcare employers whose name says physical or occupational therapy.
Prospect physical and occupational therapy practices in Arizona
Open the welfare search with Arizona and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Physical therapy in nearby states
Other healthcare specialties in Arizona
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2025). Physical, occupational and speech therapists and audiologists (NAICS 621340), plus healthcare employers whose name says physical or occupational therapy. Location is the sponsor's filing address in Arizona.