Physical and occupational therapy practices in Tennessee
PlanOptica tracks 3 health and welfare plans sponsored by 3 physical and occupational therapy practices in Tennessee, covering 701 participants and $3.2M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 271 participants, and the most common size is 250 to 499 participants (67% of plans). Fully insured coverage is the norm (100% of plans); only 0% are self-funded or mixed.
Unitedhealthcare Insurance Company dominates premium with a 53% share, followed by Unum Life Insurance Company of America Flex Life at 15%. Hub International Ins Services Inc is the broker of record on 1 plan, more than any other firm, ahead of Brent Wick (1). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $82K a year, about 6.5% of premium. Chattanooga and Nashville have the most plans.
Funding mix
- Fully insured3 · 100%
Plan size (participants)
- Under 1000 · 0%
- 100 to 2491 · 33%
- 250 to 4992 · 67%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 271 participants. Median broker comp: 6.5% of premium across 3 brokered plans.
Top carriers, physical therapy, Tennessee
- 1Unitedhealthcare Insurance Company$1.7M1 plans · 52.6%
- 2Unum Life Insurance Company of America Flex Life$474K2 plans · 15.0%
- 3Blue Cross Blue Shield Stop Loss$428K1 plans · 13.6%
- 4The Guardian Life Insurance Company of America$220K1 plans · 7.0%
- 5Delta Dental of Tennessee$169K1 plans · 5.4%
- 6Cigna Health and Life Insurance Company$164K1 plans · 5.2%
- 7Starmount Life Insurance Company$40K1 plans · 1.3%
Top brokers, physical therapy, Tennessee
- 1Hub International Ins Services Inc1 plans$112K comp · 33.3%
- 2Brent Wick1 plans$54K comp · 33.3%
- 3Baldwin Krystyn Sherman Partners1 plans$17K comp · 33.3%
- 4Professional Group Plans, Inc1 plans$11K comp · 33.3%
- 5The Baldwin Group Southeast1 plans$10K comp · 33.3%
- 6Marsh & McLennan Agency LLC1 plans$5K comp · 33.3%
- 7The Cason Group LLC1 plans$2K comp · 33.3%
- 8The Benefit Company Inc1 plans$1K comp · 33.3%
Largest physical and occupational therapy practices in Tennessee
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Luna Care, Inc Luna Care, IncAll plans | Nashville | Fully insured | 293 | $1.9M | Unitedhealthcare Insurance Company |
| Siskin Hospital for Physical Rehabilitation Siskin Hospital for Physical Rehabilitation Flexible Benefit PlanAll plans | Chattanooga | Fully insured | 271 | $1.1M | Blue Cross of California |
| Stellar Therapy Services Stellar Therapy Services Welfare PlanAll plans | Chattanooga | Fully insured | 137 | $206K | Cigna Health and Life Insurance Company |
Plans by city in Tennessee
Frequently asked questions
How many physical and occupational therapy practices in Tennessee offer an ERISA health plan?
3 health and welfare plans from 3 physical and occupational therapy practices in Tennessee appear in plan year 2024 to 2025 filings on Form 5500, covering 701 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 Tennessee?
By Schedule A premium: Unitedhealthcare Insurance Company (53% of premium, 1 plan), Unum Life Insurance Company of America Flex Life (15% of premium, 2 plans) and Blue Cross Blue Shield Stop Loss (14% of premium, 1 plan).
Which benefits brokers work with physical and occupational therapy practices in Tennessee?
By number of client plans: Hub International Ins Services Inc (1 plan), Brent Wick (1 plan) and Baldwin Krystyn Sherman Partners (1 plan). 100% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Tennessee?
The median brokered plan reports $82K a year in broker commissions and fees, or 6.5% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Tennessee 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 Tennessee
Open the welfare search with Tennessee 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 Tennessee
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 Tennessee.