Physical and occupational therapy practices in Florida
PlanOptica tracks 15 health and welfare plans sponsored by 15 physical and occupational therapy practices in Florida, covering 4,537 participants and $20M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 30 participants, and the most common size is under 100 participants (53% of plans). Most of these plans are self-funded or mixed (67%), so stop-loss and TPA relationships matter as much as the medical carrier.
Unitedhealthcare Insurance Company leads by premium with a 45% share, followed by Aetna Life Insurance Company at 26%. Usi Insurance Services LLC is the broker of record on 2 plans, more than any other firm, ahead of Emerson Rogers, LLC (2). 60% of plans report broker compensation on Schedule A; the median brokered plan pays $79K a year, about 7.9% of premium. Miami, Jacksonville and Homosassa have the most plans.
Funding mix
- Self-funded7 · 47%
- Fully insured5 · 33%
- Mixed3 · 20%
Plan size (participants)
- Under 1008 · 53%
- 100 to 2493 · 20%
- 250 to 4991 · 7%
- 500 to 9991 · 7%
- 1,000 or more2 · 13%
Median plan: 30 participants. Median broker comp: 7.9% of premium across 9 brokered plans.
Top carriers, physical therapy, Florida
- 1Unitedhealthcare Insurance Company$8.8M3 plans · 44.8%
- 2Aetna Life Insurance Company$5.2M1 plans · 26.2%
- 3Cigna Health and Life Insurance Company and Affiliates$1.7M2 plans · 8.7%
- 4The Lincoln National Life Insurance Company$1.5M1 plans · 7.7%
- 5Blue Cross Blue Shield of Florida$712K1 plans · 3.6%
- 6United of Omaha Life Insurance Company$694K1 plans · 3.5%
- 7Unum Life Insurance Company of America$450K1 plans · 2.3%
- 8Health Options$152K1 plans · 0.8%
- 9Renaissance Life and Health Insurance Company of America$120K1 plans · 0.6%
- 10Principal Life Insurance Company$108K1 plans · 0.5%
Top brokers, physical therapy, Florida
- 1Usi Insurance Services LLC2 plans$293K comp · 22.2%
- 2Emerson Rogers, LLC2 plans$51K comp · 22.2%
- 3Insurecare Consulting Inc1 plans$420K comp · 11.1%
- 4Gary Levine & Associates Limited1 plans$300K comp · 11.1%
- 5Paychex Insurance Agency, Inc1 plans$79K comp · 11.1%
- 6Excelsior Insurance Brokerage Inc1 plans$71K comp · 11.1%
- 7Mercer Health and Benefits, LLC1 plans$71K comp · 11.1%
- 8Brown & Brown FL Naples1 plans$55K comp · 11.1%
- 9Sandstone Partners Holdings, LLC1 plans$42K comp · 11.1%
- 10Emerson Reid, LLC1 plans$28K comp · 11.1%
Largest physical and occupational therapy practices in Florida
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Buckeye Holdings Buckeye Holdings Welfare Benefits PlanAll plans | Jacksonville | Mixed | 1,582 | $1.5M | The Lincoln National Life Insurance Company |
| Therapy Management Corporation Therapy Management Corp Group Insurance PlanAll plans | Homosassa | Mixed | 1,355 | $774K | United of Omaha Life Insurance Company |
| Positive Behavior Supports Corp Positive Behavior Supports Corp. Welfare Benefit PlanAll plans | Stuart | Fully insured | 875 | $8.1M | Unitedhealthcare Insurance Company |
| Nutraco LLC Nutraco LLC Health and Wlefare PlanAll plans | Fort Laudedale | Fully insured | 311 | $459K | Cigna Health and Life Insurance Company |
| Stepping Stone Kids Therapy Stepping Stone Kids Therapy Employee Welfare Benefit PlanAll plans | Naples | Mixed | 116 | $755K | Unitedhealthcare Insurance Company |
| Community Rehab Associates, Inc Community Rehab Associates, Inc Benefits Welfare PlanAll plans | St. Petersburg | Fully insured | 114 | $954K | Blue Cross of California |
| Kids Rehab Acquisition Inc Kids Rehab Acquisition Inc. Health and Welfare PlanAll plans | Miramar | Fully insured | 109 | $1.5M | Cigna Health and Life Insurance Company |
| Aba Results LLC Aba Results LLC Cash Balance Pension PlanAll plans | Fort Meyers | Self-funded | 30 | - | - |
| Sertoma Speech & Hearing Foundation of Florida, Inc Sertoma Speech & Hearing Foundation of Florida, Inc Employee Benefit PlanAll plans | New Port Richey | Self-funded | 15 | $66K | Unitedhealthcare Insurance Company |
| S.L.B. Therapy Inc S.L.B. Therapy Inc. GHT Benefit PlanAll plans | Cutler Bay | Self-funded | 11 | - | - |
| Audrey B. Greenwald, M.s.ccc, P.A Boca Speech Center 401(k) PlanAll plans | Boca Raton | Self-funded | 7 | - | - |
| Complex Somi, LLC Complex Somi, LLC GHT Benefit PlanAll plans | Miami | Self-funded | 6 | - | - |
| Nextgen Physical Therapy, P.A Nextgen Physical Therapy, P.A. GHT Benefit PlanAll plans | Miami | Self-funded | 3 | - | - |
| Back in Motion Physical Therapy, Inc Back in Motion Physical Therapy, Inc. 401(k) Profit Sharing PlanAll plans | Miami | Self-funded | 3 | - | - |
| H2 Holdco, Inc H2 Holdco, Inc. Health and Welfare Benefit PlanAll plans | Jacksonville | Fully insured | 0 | $5.6M | Aetna Life Insurance Company |
Plans by city in Florida
- Miami3 plans · 12 participants
- Jacksonville2 plans · 1,582 participants
- Homosassa1 plans · 1,355 participants
- Stuart1 plans · 875 participants
- Fort Laudedale1 plans · 311 participants
- Naples1 plans · 116 participants
- St. Petersburg1 plans · 114 participants
- Miramar1 plans · 109 participants
- Fort Meyers1 plans · 30 participants
- New Port Richey1 plans · 15 participants
- Cutler Bay1 plans · 11 participants
- Boca Raton1 plans · 7 participants
Frequently asked questions
How many physical and occupational therapy practices in Florida offer an ERISA health plan?
15 health and welfare plans from 15 physical and occupational therapy practices in Florida appear in plan year 2024 to 2025 filings on Form 5500, covering 4,537 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 Florida?
By Schedule A premium: Unitedhealthcare Insurance Company (45% of premium, 3 plans), Aetna Life Insurance Company (26% of premium, 1 plan) and Cigna Health and Life Insurance Company and Affiliates (9% of premium, 2 plans).
Which benefits brokers work with physical and occupational therapy practices in Florida?
By number of client plans: Usi Insurance Services LLC (2 plans), Emerson Rogers, LLC (2 plans) and Insurecare Consulting Inc (1 plan). 60% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Florida?
The median brokered plan reports $79K a year in broker commissions and fees, or 7.9% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Florida self-funded or fully insured?
Self-funded 47%, fully insured 33% and mixed 20%. Self-funded and mixed plans together make up 67%.
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 Florida
Open the welfare search with Florida 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 Florida
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 Florida.