Physical and occupational therapy practices in Pennsylvania
PlanOptica tracks 14 health and welfare plans sponsored by 10 physical and occupational therapy practices in Pennsylvania, covering 2,899 participants and $8.5M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 159 participants, and the most common size is 100 to 249 participants (79% of plans). Most of these plans are self-funded or mixed (71%), so stop-loss and TPA relationships matter as much as the medical carrier.
Highmark, Inc dominates premium with a 61% share, followed by Community Insurance Company at 6%. Emerson Rogers, LLC is the broker of record on 4 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (2). 71% of plans report broker compensation on Schedule A; the median brokered plan pays $26K a year, about 11.1% of premium. Downingtown, Mechanicsburg and Cranberry Township have the most plans.
Funding mix
- Mixed7 · 50%
- Fully insured4 · 29%
- Self-funded3 · 21%
Plan size (participants)
- Under 1001 · 7%
- 100 to 24911 · 79%
- 250 to 4991 · 7%
- 500 to 9991 · 7%
- 1,000 or more0 · 0%
Median plan: 159 participants. Median broker comp: 11.1% of premium across 10 brokered plans.
Top carriers, physical therapy, Pennsylvania
- 1Highmark, Inc$5.2M1 plans · 61.4%
- 2Community Insurance Company$470K1 plans · 5.6%
- 3Metropolitan Life Insurance Company$412K4 plans · 4.9%
- 4Reliastar Life Insurance Company$409K2 plans · 4.8%
- 5Reliance Standard Life Insurance Company$405K3 plans · 4.8%
- 6United of Omaha Life Insurance Company$380K1 plans · 4.5%
- 7Principal Life Insurance Company$379K2 plans · 4.5%
- 8HM Life Insurance Company$313K2 plans · 3.7%
- 9Guardian Life Insurance Co. of America$186K1 plans · 2.2%
- 10Capital Advantage Assurance Company$91K1 plans · 1.1%
Top brokers, physical therapy, Pennsylvania
- 1Emerson Rogers, LLC4 plans$28K comp · 40.0%
- 2Marsh & McLennan Agency LLC2 plans$41K comp · 20.0%
- 3M & O Agencies, Inc2 plans$1K comp · 20.0%
- 4Usi Insurance Services LLC1 plans$113K comp · 10.0%
- 5Henderson Brothers Inc1 plans$50K comp · 10.0%
- 6Eugene J. Rossi1 plans$41K comp · 10.0%
- 7Clear Consulting Group, LLC1 plans$27K comp · 10.0%
- 8Alera General Agency Insurance1 plans$8K comp · 10.0%
- 9American Insurance Admin1 plans$8K comp · 10.0%
- 10Aia American Insurance Admins1 plans$7K comp · 10.0%
Largest physical and occupational therapy practices in Pennsylvania
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Phoenix Rehabilitation and Health Services, Inc Phoenix Rehabilitation and Health Services, Inc. Benefit PlanAll plans | Cranberry Township | Fully insured | 771 | $5.9M | Blue Cross of California |
| Advantagecare Rehabilitation, Inc Advantagecare Rehabilitation, Inc. Employee Benefits PlanAll plans | Pittsburgh | Mixed | 444 | $311K | Reliance Standard Life Insurance Company |
| Orthopedic and Sports Physical Therapy Associates, Inc Orthopedic and Sports Physical Therapy Associates, Inc. Flexible Benefits PlanAll plans | North Charleroi | Mixed | 225 | - | Reliance Standard Life Insurance Company |
| LHM Physical Therapy Institute LHM Physical Therapy Institute, LLC Health and Welfare PlanAll plans | Harrisburg | Mixed | 195 | $235K | Principal Life Insurance Company |
| Premier Therapy LLC Premier Therapy LLC Employee Benefit PlanAll plans | Beaver Falls | Mixed | 174 | $776K | Community Insurance Company |
| Select Cal Physical Therapy, P.C Select Cal Physical Therapy, P.C. Welfare Benefit ProgramAll plans | Mechanicsburg | Mixed | 167 | $338K | Reliastar Life Insurance Company |
| Elite Therapy Solutions, LLC Elite Therapy Solutions, LLC Life Benefit PlanAll plans | Downingtown | Fully insured | 156 | $2K | Unum Life Insurance Company of America |
| Benchmark Therapies Benchmark Therapies, Inc. Employee Benefit PlanAll plans | Huntingdon | Mixed | 131 | $235K | Principal Life Insurance Company |
| Select CS Physical Therapy, P.C Select CS Physical Therapy, P.C. Welfare Benefit ProgramAll plans | Mechanicsburg | Mixed | 126 | $298K | Reliastar Life Insurance Company |
| Shippensburg Physical Therapy & Sports Medicine, LLC Shippensburg Physical Therapy and Sports Medicine, LLC Employee Benefit PlanAll plans | Shippensburg | Self-funded | 28 | $77K | HM Life Insurance Company |
Showing 10 of 10 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Pennsylvania
- Downingtown4 plans · 477 participants
- Mechanicsburg2 plans · 293 participants
- Cranberry Township1 plans · 771 participants
- Pittsburgh1 plans · 444 participants
- North Charleroi1 plans · 225 participants
- Harrisburg1 plans · 195 participants
- Beaver Falls1 plans · 174 participants
- Rostraver1 plans · 161 participants
- Huntingdon1 plans · 131 participants
- Shippensburg1 plans · 28 participants
Frequently asked questions
How many physical and occupational therapy practices in Pennsylvania offer an ERISA health plan?
14 health and welfare plans from 10 physical and occupational therapy practices in Pennsylvania appear in plan year 2024 to 2025 filings on Form 5500, covering 2,899 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 Pennsylvania?
By Schedule A premium: Highmark, Inc (61% of premium, 1 plan), Community Insurance Company (6% of premium, 1 plan) and Metropolitan Life Insurance Company (5% of premium, 4 plans).
Which benefits brokers work with physical and occupational therapy practices in Pennsylvania?
By number of client plans: Emerson Rogers, LLC (4 plans), Marsh & McLennan Agency LLC (2 plans) and M & O Agencies, Inc (2 plans). 71% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Pennsylvania?
The median brokered plan reports $26K a year in broker commissions and fees, or 11.1% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Pennsylvania self-funded or fully insured?
Mixed 50%, fully insured 29% and self-funded 21%. Self-funded and mixed plans together make up 71%.
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 Pennsylvania
Open the welfare search with Pennsylvania 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 Pennsylvania
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 Pennsylvania.