Physical and occupational therapy practices in Michigan
PlanOptica tracks 7 health and welfare plans sponsored by 7 physical and occupational therapy practices in Michigan, covering 3,638 participants and $9.2M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 308 participants, and the most common size is 100 to 249 participants (43% of plans). Fully insured coverage is the norm (71% of plans); only 29% are self-funded or mixed.
Blue Cross Blue Shield of Michigan leads by premium with a 46% share, followed by Delta Dental of Michigan at 14%. Michigan Planners Inc is the broker of record on 1 plan, more than any other firm, ahead of Ryan J. Harris (1). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $68K a year, about 5.6% of premium. Clinton Township, Grand Rapids and Plymouth have the most plans.
Funding mix
- Fully insured5 · 71%
- Mixed2 · 29%
Plan size (participants)
- Under 1000 · 0%
- 100 to 2493 · 43%
- 250 to 4991 · 14%
- 500 to 9991 · 14%
- 1,000 or more2 · 29%
Median plan: 308 participants. Median broker comp: 5.6% of premium across 7 brokered plans.
Top carriers, physical therapy, Michigan
- 1Blue Cross Blue Shield of Michigan$4.2M4 plans · 45.6%
- 2Delta Dental of Michigan$1.3M4 plans · 13.6%
- 3Blue Care Network of Michigan$1.0M2 plans · 11.2%
- 4Priority Health$954K1 plans · 10.3%
- 5Vision Service Plan$436K2 plans · 4.7%
- 6Unum Life Insurance Company of America$412K1 plans · 4.5%
- 7Lincoln National Life Insurance Company$314K1 plans · 3.4%
- 8Life Insurance Company of North America$234K1 plans · 2.5%
- 9Principal Life Insurance Company$156K1 plans · 1.7%
- 10Equitable Financial Life Insurance Company of America$107K1 plans · 1.2%
Top brokers, physical therapy, Michigan
- 1Michigan Planners Inc1 plans$113K comp · 14.3%
- 2Ryan J. Harris1 plans$46K comp · 14.3%
- 3Acrisure LLC1 plans$45K comp · 14.3%
- 4Spencer Olson1 plans$43K comp · 14.3%
- 5Gibson Insurance Agency1 plans$42K comp · 14.3%
- 6Marsh & McLennan Agency1 plans$39K comp · 14.3%
- 7Christopher M Bouschet1 plans$37K comp · 14.3%
- 8Adam Wadie1 plans$36K comp · 14.3%
- 9Robert J. Dotson Jr1 plans$34K comp · 14.3%
- 10Rebecca a McLaughlan1 plans$29K comp · 14.3%
Largest physical and occupational therapy practices in Michigan
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Team Rehabilitation Services, LLC Team Rehabilitation Services, LLC Wrap PlanAll plans | Clinton Township | Mixed | 1,299 | $1.9M | Delta Dental of California |
| Alliance Physical Therapy Group, LLC Alliance Physical Therapy Group, LLCAll plans | Grand Rapids | Mixed | 1,031 | $376K | The Lincoln National Life Insurance Company |
| Dearborn Speech and Sensory Center, Inc Dearborn Speech and Sensory Center, Inc Dba Metro Ehs Pediatric Therapy Benefit and Welfare PlanAll plans | Plymouth | Fully insured | 619 | $1.3M | Blue Care Network of Michigan |
| Ovation Rehabilitation Services LLC Ovation Rehabilitation Services LLC Welfare Benefits PlanAll plans | Northville | Fully insured | 308 | $2.6M | Blue Cross of California |
| Up Rehab Services LLC Up Rehab Services LLC Welfare Benefit PlanAll plans | Marquette | Fully insured | 165 | $1.3M | Blue Cross of California |
| Hulst Jepsen Physical Therapy Hulst Jepsen Physical Therapy Health PlanAll plans | Caledonia | Fully insured | 115 | $954K | Priority Health |
| Mercury Therapy Mgt, Inc Mercury Therapy Management Inc Employee Benefits PlanAll plans | Bay City | Fully insured | 101 | $875K | Blue Cross of California |
Plans by city in Michigan
Frequently asked questions
How many physical and occupational therapy practices in Michigan offer an ERISA health plan?
7 health and welfare plans from 7 physical and occupational therapy practices in Michigan appear in plan year 2024 to 2025 filings on Form 5500, covering 3,638 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 Michigan?
By Schedule A premium: Blue Cross Blue Shield of Michigan (46% of premium, 4 plans), Delta Dental of Michigan (14% of premium, 4 plans) and Blue Care Network of Michigan (11% of premium, 2 plans).
Which benefits brokers work with physical and occupational therapy practices in Michigan?
By number of client plans: Michigan Planners Inc (1 plan), Ryan J. Harris (1 plan) and Acrisure LLC (1 plan). 100% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Michigan?
The median brokered plan reports $68K a year in broker commissions and fees, or 5.6% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Michigan self-funded or fully insured?
Fully insured 71% and mixed 29%. Self-funded and mixed plans together make up 29%.
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 Michigan
Open the welfare search with Michigan 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 Michigan
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 Michigan.