Physical and occupational therapy practices in Kentucky
PlanOptica tracks 14 health and welfare plans sponsored by 14 physical and occupational therapy practices in Kentucky, covering 592 participants and $1.6M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 6 participants, and the most common size is under 100 participants (79% of plans). Most of these plans are self-funded or mixed (93%), so stop-loss and TPA relationships matter as much as the medical carrier.
Anthem Health Plans of Kentucky, Inc dominates premium with a 71% share, followed by Hartford Life and Accident at 12%. Assuredpartners NL, LLC is the broker of record on 2 plans, more than any other firm, ahead of Brown & Brown Insurance Services in (1). 21% of plans report broker compensation on Schedule A; the median brokered plan pays $14K a year, about 12.6% of premium. Louisville, London and Shelbyville have the most plans.
Funding mix
- Self-funded11 · 79%
- Mixed2 · 14%
- Fully insured1 · 7%
Plan size (participants)
- Under 10011 · 79%
- 100 to 2492 · 14%
- 250 to 4991 · 7%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 6 participants. Median broker comp: 12.6% of premium across 3 brokered plans.
Top carriers, physical therapy, Kentucky
Top brokers, physical therapy, Kentucky
Largest physical and occupational therapy practices in Kentucky
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Associates in Pediatric Therapy, LLC Associates in Pediatric Therapy, LLC Health and Welfare Benefit PlanAll plans | Shelbyville | Fully insured | 302 | $1.4M | Anthem Life Insurance Company |
| Advanced Physical Therapy Specialists, LLC Advanced Physical Therapy Specialists, LLC Health and Welfare PlanAll plans | Louisville | Mixed | 131 | $112K | Delta Dental of California |
| Robert E Tutland RPT, Inc. PS Robert E Tutland RPT, Inc. PS Health and Welfare PlanAll plans | Louisville | Mixed | 100 | $85K | Delta Dental of California |
| Bluegrass Hearing Clinic LLC Bluegrass Hearing Clinic LLC CBS Benefit PlanAll plans | Paris | Self-funded | 15 | - | - |
| Woodford Physical Therapy Woodford Physical Therapy CBS Benefit PlanAll plans | Versailles | Self-funded | 7 | - | - |
| Ervin Physical Therapy Ervin Physical Therapy CBS Benefit PlanAll plans | Henderson | Self-funded | 7 | - | - |
| Revolution Physical Therapy, LLC Revolution Physical Therapy, LLC CBS Benefit PlanAll plans | London | Self-funded | 6 | - | - |
| Fuller Physical Therapy Fuller Physical Therapy CBS Benefit PlanAll plans | Beaver Dam | Self-funded | 6 | - | - |
| Premier Occupational & Physical Therapy Premier Occupational & Physical Therapy CBS Benefit PlanAll plans | Ashland | Self-funded | 5 | - | - |
| Pro Physical Therapy LLC Pro Physical Therapy LLC CBS Benefit PlanAll plans | Benton | Self-funded | 4 | - | - |
| BBN Physical Therapy Inc BBN Physical Therapy Inc CBS Benefit PlanAll plans | Lexington | Self-funded | 3 | - | - |
| Revolution Physical Therapy Corbin, LLC Revolution Physical Therapy Corbin, LLC CBS Benefit PlanAll plans | London | Self-funded | 3 | - | - |
| Springfield Physical Therapy Springfield Physical Therapy CBS Benefit PlanAll plans | Springfield | Self-funded | 3 | - | - |
| Pennyrile Physical Therapy Pennyrile Physical Therapy CBS Benefit PlanAll plans | Hopkinsville | Self-funded | 0 | - | - |
Plans by city in Kentucky
- Louisville2 plans · 231 participants
- London2 plans · 9 participants
- Shelbyville1 plans · 302 participants
- Paris1 plans · 15 participants
- Henderson1 plans · 7 participants
- Versailles1 plans · 7 participants
- Beaver Dam1 plans · 6 participants
- Ashland1 plans · 5 participants
- Benton1 plans · 4 participants
- Lexington1 plans · 3 participants
- Springfield1 plans · 3 participants
- Hopkinsville1 plans · 0 participants
Frequently asked questions
How many physical and occupational therapy practices in Kentucky offer an ERISA health plan?
14 health and welfare plans from 14 physical and occupational therapy practices in Kentucky appear in plan year 2024 to 2025 filings on Form 5500, covering 592 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 Kentucky?
By Schedule A premium: Anthem Health Plans of Kentucky, Inc (71% of premium, 3 plans), Hartford Life and Accident (12% of premium, 1 plan) and Symetra Life Insurance Company (6% of premium, 2 plans).
Which benefits brokers work with physical and occupational therapy practices in Kentucky?
By number of client plans: Assuredpartners NL, LLC (2 plans), Brown & Brown Insurance Services in (1 plan) and Foundation Risk Partners, Corp (1 plan). 21% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Kentucky?
The median brokered plan reports $14K a year in broker commissions and fees, or 12.6% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Kentucky self-funded or fully insured?
Self-funded 79%, mixed 14% and fully insured 7%. Self-funded and mixed plans together make up 93%.
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 Kentucky
Open the welfare search with Kentucky 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 Kentucky
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 Kentucky.