Physical and occupational therapy practices in Massachusetts
PlanOptica tracks 3 health and welfare plans sponsored by 3 physical and occupational therapy practices in Massachusetts, covering 1,007 participants and $7.4M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 279 participants, and the most common size is 100 to 249 participants (33% of plans). Fully insured coverage is the norm (100% of plans); only 0% are self-funded or mixed.
Aetna Life Insurance Co leads by premium with a 45% share, followed by Unitedhealthcare Insurance Company at 27%. RSC Ins Bkge Dba Risk Stratagies Co is the broker of record on 1 plan, more than any other firm, ahead of Marsh & McLennan Agency, LLC (1). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $64K a year, about 3.0% of premium. Braintree, Dartmouth and Worcester have the most plans.
Funding mix
- Fully insured3 · 100%
Plan size (participants)
- Under 1000 · 0%
- 100 to 2491 · 33%
- 250 to 4991 · 33%
- 500 to 9991 · 33%
- 1,000 or more0 · 0%
Median plan: 279 participants. Median broker comp: 3.0% of premium across 3 brokered plans.
Top carriers, physical therapy, Massachusetts
- 1Aetna Life Insurance Co$3.3M1 plans · 45.3%
- 2Unitedhealthcare Insurance Company$2.0M1 plans · 27.1%
- 3Blue Cross Blue Shield of Massachusetts, Inc$1.7M1 plans · 23.3%
- 4Principal Life Insurance Company$139K1 plans · 1.9%
- 5Prudential Insurance Company of America$119K1 plans · 1.6%
- 6Hartford Life and Accident$44K1 plans · 0.6%
- 7Vision Service Plan$9K1 plans · 0.1%
- 8Colonial Life & Accident Insurance Company$1K1 plans · 0.0%
Top brokers, physical therapy, Massachusetts
- 1RSC Ins Bkge Dba Risk Stratagies Co1 plans$72K comp · 33.3%
- 2Marsh & McLennan Agency, LLC1 plans$59K comp · 33.3%
- 3Digital Insurance LLC1 plans$18K comp · 33.3%
- 4Robert G Relph Agency Inc1 plans$13K comp · 33.3%
- 5Alliant Insurance Services, Inc1 plans$5K comp · 33.3%
- 6Indigo Insurance Services LLC1 plans$3K comp · 33.3%
- 7Various Brokers (List Attached)1 plans$289 comp · 33.3%
- 8Img1 plans$65 comp · 33.3%
Largest physical and occupational therapy practices in Massachusetts
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Bay State Physical Therapy of Randolph, Inc Bay State Physical Therapy of Randolph, Inc. Health and Welfare Benefit PlanAll plans | Braintree | Fully insured | 584 | $3.5M | Aetna Life Insurance Company |
| Century Vision Global, LLC Century Vision Global Welfare Benefit PlanAll plans | Dartmouth | Fully insured | 279 | $2.1M | Unitedhealthcare Insurance Company |
| Easter Seals Massachusetts, Inc Easter Seals Massachusetts, Inc. Employee Benefits PlanAll plans | Worcester | Fully insured | 144 | $1.8M | Blue Cross of California |
Plans by city in Massachusetts
Frequently asked questions
How many physical and occupational therapy practices in Massachusetts offer an ERISA health plan?
3 health and welfare plans from 3 physical and occupational therapy practices in Massachusetts appear in plan year 2024 to 2025 filings on Form 5500, covering 1,007 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 Massachusetts?
By Schedule A premium: Aetna Life Insurance Co (45% of premium, 1 plan), Unitedhealthcare Insurance Company (27% of premium, 1 plan) and Blue Cross Blue Shield of Massachusetts, Inc (23% of premium, 1 plan).
Which benefits brokers work with physical and occupational therapy practices in Massachusetts?
By number of client plans: RSC Ins Bkge Dba Risk Stratagies Co (1 plan), Marsh & McLennan Agency, LLC (1 plan) and Digital Insurance LLC (1 plan). 100% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Massachusetts?
The median brokered plan reports $64K a year in broker commissions and fees, or 3.0% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Massachusetts self-funded or fully insured?
Fully insured 100%. Self-funded and mixed plans together make up 0%.
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 Massachusetts
Open the welfare search with Massachusetts 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 Massachusetts
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 Massachusetts.