Physical and occupational therapy practices in California
PlanOptica tracks 16 health and welfare plans sponsored by 15 physical and occupational therapy practices in California, covering 5,139 participants and $23M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 225 participants, and the most common size is 100 to 249 participants (38% of plans). The funding mix is split: 31% of plans are self-funded or mixed and the rest are mainly fully insured.
Kaiser Foundation Health Plan, Inc leads by premium with a 23% share, followed by Anthem Blue Cross at 19%. Edgewood Partners Insurance Center is the broker of record on 2 plans, more than any other firm, ahead of Marsh and McLennan Agency, LLC (2). 94% of plans report broker compensation on Schedule A; the median brokered plan pays $73K a year, about 6.7% of premium. Los Angeles, Modesto and Walnut Creek have the most plans.
Funding mix
- Fully insured11 · 69%
- Mixed4 · 25%
- Self-funded1 · 6%
Plan size (participants)
- Under 1002 · 13%
- 100 to 2496 · 38%
- 250 to 4995 · 31%
- 500 to 9992 · 13%
- 1,000 or more1 · 6%
Median plan: 225 participants. Median broker comp: 6.7% of premium across 15 brokered plans.
Top carriers, physical therapy, California
- 1Kaiser Foundation Health Plan, Inc$5.4M5 plans · 23.2%
- 2Anthem Blue Cross$4.4M3 plans · 19.0%
- 3Blue Cross of California$2.9M4 plans · 12.4%
- 4Aetna Health of California Inc$1.9M1 plans · 8.3%
- 5California Physicians Service$1.8M2 plans · 7.8%
- 6Unitedhealthcare Insurance Company$1.6M3 plans · 7.1%
- 7Cigna Health and Life Insurance Company and Affiliates$1.0M1 plans · 4.4%
- 8The Guardian Life Insurance Company of America$936K6 plans · 4.0%
- 9Sutter Health Plan$845K1 plans · 3.6%
- 10Premier Access Insurance Company$508K1 plans · 2.2%
Top brokers, physical therapy, California
- 1Edgewood Partners Insurance Center2 plans$263K comp · 13.3%
- 2Marsh and McLennan Agency, LLC2 plans$101K comp · 13.3%
- 3Advocate, Inc2 plans$68K comp · 13.3%
- 4Centerstone Ins & Fin Ser2 plans$27K comp · 13.3%
- 5Morris & Garritano Insurance Agency2 plans$22K comp · 13.3%
- 6Gis Benefits Inc2 plans$16K comp · 13.3%
- 7Henderson Strategic Financial Ins1 plans$109K comp · 6.7%
- 8Baldwin Group West, LLC1 plans$100K comp · 6.7%
- 9PCF Insurance Services of the West1 plans$90K comp · 6.7%
- 10Insurance Clerk1 plans$69K comp · 6.7%
Largest physical and occupational therapy practices in California
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Golden Bear Physical Therapy & Sports Dba Therapy Partners Group Golden Bear Physical Therapy Welfare Benefit PlanAll plans | Modesto | Mixed | 1,015 | $906K | Unitedhealthcare Insurance Company |
| SPG Therapy & Education, PC SPG Therapy & Education Employee Benefit PlanAll plans | Walnut Creek | Fully insured | 886 | $7.0M | Anthem Life Insurance Company |
| Intercare Therapy, Inc Intercare Therapy, Inc. Welfare Benefits PlanAll plans | Los Angeles | Fully insured | 651 | $1.7M | Anthem Life Insurance Company |
| San Bernardino Medical Orthopaedic Group Inc Arrowhead Orthopaedics Welfare Benefits PlanAll plans | Redlands | Fully insured | 372 | $2.1M | Aetna Life Insurance Company |
| Algos, Inc Algos, Inc. a Medical CorporationAll plans | Rancho Cucamonga | Fully insured | 275 | $1.1M | Cigna Health and Life Insurance Company |
| Southern California Health & Rehabilitation Program Southern California Health & Rehabilitation Program Welfare Benefits PlanAll plans | Lynwood | Fully insured | 263 | $2.7M | Kaiser Foundation Health Plan Inc |
| Movement for Life, Inc Movement for Life, Inc. Health and Welfare PlanAll plans | San Luis Obispo | Mixed | 263 | $424K | United States Fire Insurance Company |
| Burger Rehabilitation Systems, Inc Burger Rehabilitation Systems, Inc. Employee Benefits PlanAll plans | Folsom | Mixed | 187 | $561K | Western Health Advantage |
| Precision Rehabilitation and Orthopedics Precision Rehabilitation and Orthopedics Dba Pro PT Therapy Employee Benefits PlanAll plans | Visalia | Mixed | 187 | $155K | Metropolitan Life Insurance Company |
| Agile Occupational Medicine Agile Occupational Medicine Health and Welfare PlanAll plans | Costa Mesa | Fully insured | 181 | $1.7M | Blue Cross of California |
| Agile Physical Therapy, Inc Agile Physical Therapy, Inc. Welfare Benefit PlanAll plans | Palo Alto | Fully insured | 178 | $1.8M | Sutter Health Plan |
| Terrio Therapy Fitness, Inc Terrio Physical Therapy & Fitness, Inc. Welfare Benefit PlanAll plans | Bakersfield | Fully insured | 161 | $1.1M | Blue Cross of California |
| The Origin Way The Origin Way Health and Welfare PlanAll plans | Los Angeles | Fully insured | 143 | $977K | Unitedhealthcare Insurance Company |
| Presencelearning Etherapy Speech Language Pathologists, PC Presencelearning Etherapy Speech Language Pathologists, PC Employee Health and Welfare Benefits PlanAll plans | San Francisco | Fully insured | 40 | $1.0M | California Physicians Service |
| Reischl Physical Therapy Reischl Physical Therapy Profit Sharing PlanAll plans | Signal Hill | Self-funded | 0 | - | - |
Showing 15 of 15 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in California
- Los Angeles3 plans · 1,131 participants
- Modesto1 plans · 1,015 participants
- Walnut Creek1 plans · 886 participants
- Redlands1 plans · 372 participants
- Rancho Cucamonga1 plans · 275 participants
- Lynwood1 plans · 263 participants
- San Luis Obispo1 plans · 263 participants
- Folsom1 plans · 187 participants
- Visalia1 plans · 187 participants
- Costa Mesa1 plans · 181 participants
- Palo Alto1 plans · 178 participants
- Bakersfield1 plans · 161 participants
Frequently asked questions
How many physical and occupational therapy practices in California offer an ERISA health plan?
16 health and welfare plans from 15 physical and occupational therapy practices in California appear in plan year 2024 to 2025 filings on Form 5500, covering 5,139 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 California?
By Schedule A premium: Kaiser Foundation Health Plan, Inc (23% of premium, 5 plans), Anthem Blue Cross (19% of premium, 3 plans) and Blue Cross of California (12% of premium, 4 plans).
Which benefits brokers work with physical and occupational therapy practices in California?
By number of client plans: Edgewood Partners Insurance Center (2 plans), Marsh and McLennan Agency, LLC (2 plans) and Advocate, Inc (2 plans). 94% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in California?
The median brokered plan reports $73K a year in broker commissions and fees, or 6.7% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in California self-funded or fully insured?
Fully insured 69%, mixed 25% and self-funded 6%. Self-funded and mixed plans together make up 31%.
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 California
Open the welfare search with California 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 California
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). 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 California.