Physical and occupational therapy practices in Missouri
PlanOptica tracks 20 health and welfare plans sponsored by 20 physical and occupational therapy practices in Missouri, covering 2,218 participants and $8.0M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 4 participants, and the most common size is under 100 participants (80% of plans). Most of these plans are self-funded or mixed (90%), so stop-loss and TPA relationships matter as much as the medical carrier.
Standard Insurance Company leads by premium with a 22% share, followed by Healthy Alliance Life Insurance Company at 22%. Cbiz Benefits & Insurance Services is the broker of record on 2 plans, more than any other firm, ahead of Assuredpartners (1). 20% of plans report broker compensation on Schedule A; the median brokered plan pays $131K a year, about 6.7% of premium. Saint Louis, St. Louis and Columbia have the most plans.
Funding mix
- Self-funded16 · 80%
- Fully insured2 · 10%
- Mixed2 · 10%
Plan size (participants)
- Under 10016 · 80%
- 100 to 2492 · 10%
- 250 to 4990 · 0%
- 500 to 9991 · 5%
- 1,000 or more1 · 5%
Median plan: 4 participants. Median broker comp: 6.7% of premium across 4 brokered plans.
Top carriers, physical therapy, Missouri
- 1Standard Insurance Company$1.8M2 plans · 22.2%
- 2Healthy Alliance Life Insurance Company$1.8M1 plans · 21.9%
- 3Blue Cross Blue Shield of Kansas City$1.6M1 plans · 19.7%
- 4Everest Reinsurance$1.2M1 plans · 14.5%
- 5Sun Life Assurance Company of Canada$918K2 plans · 11.4%
- 6Aetna Life Insurance Company$320K1 plans · 4.0%
- 7Hartford Life and Accident$268K1 plans · 3.3%
- 8United of Omaha Life Insurance Company$142K1 plans · 1.8%
- 9Life Insurance Company of North America$90K1 plans · 1.1%
- 10Preferred Resource Network, Inc$7K1 plans · 0.1%
Top brokers, physical therapy, Missouri
- 1Cbiz Benefits & Insurance Services2 plans$251K comp · 50.0%
- 2Assuredpartners1 plans$99K comp · 25.0%
- 3Acrisure Midwest Partners Ins1 plans$66K comp · 25.0%
- 4Bukaty Companies1 plans$58K comp · 25.0%
- 5Brian W Patten1 plans$32K comp · 25.0%
- 6Group Insurance Services1 plans$32K comp · 25.0%
- 7ADP Inc1 plans$29K comp · 25.0%
- 8Gis Benefits, Inc1 plans$7K comp · 25.0%
- 9Lockton Companies LLC1 plans$826 comp · 25.0%
Largest physical and occupational therapy practices in Missouri
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Empowerme Holdings, LLC Empowerme Holdings, LLC Health Care PlanAll plans | St. Louis | Mixed | 1,271 | $2.4M | Sun Life Assurance Company of Canada |
| Peak Sport & Spine Central Missouri Therapy Employee Benefits PlanAll plans | Columbia | Mixed | 532 | $2.0M | Everest Reinsurance Company |
| Choice Rehabilitation, LLC Choice Rehabilitation, LLC Health and Welfare PlanAll plans | St. Louis | Fully insured | 189 | $1.9M | Health Net |
| Ability KC Ability KC Welfare Benefit PlanAll plans | Kansas City | Fully insured | 178 | $1.8M | Blue Cross of California |
| Premier Physical Therapy Rehab Premier Physical Therapy Rehab MCF Benefit PlanAll plans | Cape Girardeau | Self-funded | 9 | - | - |
| Industrial Physical Therapy Inc Industrial Physical Therapy Inc MCF Benefit PlanAll plans | Joplin | Self-funded | 7 | - | - |
| Dynamic Physical Therapy and Sports Performance Dynamic Physical Therapy and Sports Performance MCF Benefit PlanAll plans | Reeds Spring | Self-funded | 6 | - | - |
| Spirit Physical Therapy Spirit Physical Therapy MCF Benefit PlanAll plans | O Fallon | Self-funded | 6 | - | - |
| Billings Speech Pathology Services, LLC Billings Speech Pathology Services, LLC MCF Benefit PlanAll plans | Lees Summit | Self-funded | 6 | - | - |
| Katakis Physical Medicine LLC Katakis Physical Medicine LLC MCF Benefit PlanAll plans | Chesterfield | Self-funded | 4 | - | - |
| Physical Therapy Direct Physical Therapy Direct MCF Benefit PlanAll plans | Saint Charles | Self-funded | 3 | - | - |
| Revolution Physical Therapy LLC Revolution Physical Therapy LLC MCF Benefit PlanAll plans | Saint Louis | Self-funded | 3 | - | - |
| Willard Physical Therapy Center LLC Willard Physical Therapy Center LLC MCF Benefit PlanAll plans | Willard | Self-funded | 2 | - | - |
| Springfield Physical Therapy Center, LLC Springfield Physical Therapy Ctr Employee Group Health PlanAll plans | Springfield | Self-funded | 2 | - | - |
| Physical Therapy of Concordia Physical Therapy of Concordia MCF Benefit PlanAll plans | Concordia | Self-funded | 0 | - | - |
Showing 15 of 20 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Missouri
- Saint Louis3 plans · 3 participants
- St. Louis2 plans · 1,460 participants
- Columbia2 plans · 532 participants
- Kansas City1 plans · 178 participants
- Cape Girardeau1 plans · 9 participants
- Joplin1 plans · 7 participants
- Lees Summit1 plans · 6 participants
- O Fallon1 plans · 6 participants
- Reeds Spring1 plans · 6 participants
- Chesterfield1 plans · 4 participants
- Saint Charles1 plans · 3 participants
- Springfield1 plans · 2 participants
Frequently asked questions
How many physical and occupational therapy practices in Missouri offer an ERISA health plan?
20 health and welfare plans from 20 physical and occupational therapy practices in Missouri appear in plan year 2024 to 2025 filings on Form 5500, covering 2,218 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 Missouri?
By Schedule A premium: Standard Insurance Company (22% of premium, 2 plans), Healthy Alliance Life Insurance Company (22% of premium, 1 plan) and Blue Cross Blue Shield of Kansas City (20% of premium, 1 plan).
Which benefits brokers work with physical and occupational therapy practices in Missouri?
By number of client plans: Cbiz Benefits & Insurance Services (2 plans), Assuredpartners (1 plan) and Acrisure Midwest Partners Ins (1 plan). 20% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Missouri?
The median brokered plan reports $131K 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 Missouri self-funded or fully insured?
Self-funded 80%, fully insured 10% and mixed 10%. Self-funded and mixed plans together make up 90%.
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 Missouri
Open the welfare search with Missouri 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 Missouri
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 Missouri.