Physical and occupational therapy practices in Washington
PlanOptica tracks 10 health and welfare plans sponsored by 5 physical and occupational therapy practices in Washington, covering 2,036 participants and $5.9M in reported insurance premiums (plan year 2025 filings). The median plan has 176 participants, and the most common size is 100 to 249 participants (50% of plans). Fully insured coverage is the norm (90% of plans); only 10% are self-funded or mixed.
Cigna Health and Life Insurance Company dominates premium with a 69% share, followed by Unum Life Insurance Company of America at 13%. M & O Agencies Inc is the broker of record on 4 plans, more than any other firm, ahead of J Frankland Employee Benefit Svcs (3). 90% of plans report broker compensation on Schedule A; the median brokered plan pays $13K a year, about 10.2% of premium. Mill Creek, Tacoma and Woodland have the most plans.
Funding mix
- Fully insured9 · 90%
- Mixed1 · 10%
Plan size (participants)
- Under 1001 · 10%
- 100 to 2495 · 50%
- 250 to 4994 · 40%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 176 participants. Median broker comp: 10.2% of premium across 9 brokered plans.
Top carriers, physical therapy, Washington
- 1Cigna Health and Life Insurance Company$4.0M1 plans · 68.9%
- 2Unum Life Insurance Company of America$756K1 plans · 12.9%
- 3Premera Blue Cross$583K1 plans · 9.9%
- 4Symetra Life Insurance Company$158K1 plans · 2.7%
- 5Ameritas Life Insurance Corp$142K1 plans · 2.4%
- 6Usable Life$57K2 plans · 1.0%
- 7Vision Service Plan$52K2 plans · 0.9%
- 8Metropolitan Life Insurance Company$40K1 plans · 0.7%
- 9Principal Life Insurance Company$33K1 plans · 0.6%
- 10Curalinc LLC$2K1 plans · 0.0%
Top brokers, physical therapy, Washington
- 1M & O Agencies Inc4 plans$20K comp · 44.4%
- 2J Frankland Employee Benefit Svcs3 plans$2K comp · 33.3%
- 3Gallagher Benefit Services, Inc2 plans$137K comp · 22.2%
- 4Marsh & McLennan Agency LLC1 plans$83K comp · 11.1%
- 5Alliant Insurance Services, Inc1 plans$38K comp · 11.1%
- 6Connexion Insurance Solutions1 plans$8K comp · 11.1%
- 7Cobbs, Allen & Hall, Inc1 plans$7K comp · 11.1%
- 8Benefit Advisors Services Group1 plans$929 comp · 11.1%
Largest physical and occupational therapy practices in Washington
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Olympic Sports & Spine PLLC Olympic Sport and Spine LifeAll plans | Tacoma | Fully insured | 443 | $158K | Symetra Life Insurance Company |
| Integrated Rehabilitation Group, P.C Integrated Rehabilitation Group Long Term Disability PlanAll plans | Mill Creek | Fully insured | 257 | $42K | Usable Life |
| Work Right NW, Inc Work Right NW, Inc. Health and Welfare PlanAll plans | Woodland | Fully insured | 124 | $618K | Blue Cross of California |
| Northwest Sports Physical Therapy, Inc., P.S Northwest Sports Physical Therapy, Inc., P.S. Welfare Benefit PlanAll plans | Gig Harbor | Fully insured | 110 | $40K | Metropolitan Life Insurance Company |
| Audigy Group, LLC Audigy Group, LLC Health and Welfare PlanAll plans | Vancouver | Fully insured | 0 | $756K | Unum Life Insurance Company of America |
Showing 5 of 5 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Washington
Frequently asked questions
How many physical and occupational therapy practices in Washington offer an ERISA health plan?
10 health and welfare plans from 5 physical and occupational therapy practices in Washington appear in plan year 2025 filings on Form 5500, covering 2,036 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 Washington?
By Schedule A premium: Cigna Health and Life Insurance Company (69% of premium, 1 plan), Unum Life Insurance Company of America (13% of premium, 1 plan) and Premera Blue Cross (10% of premium, 1 plan).
Which benefits brokers work with physical and occupational therapy practices in Washington?
By number of client plans: M & O Agencies Inc (4 plans), J Frankland Employee Benefit Svcs (3 plans) and Gallagher Benefit Services, Inc (2 plans). 90% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in Washington?
The median brokered plan reports $13K a year in broker commissions and fees, or 10.2% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in Washington self-funded or fully insured?
Fully insured 90% and mixed 10%. Self-funded and mixed plans together make up 10%.
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 Washington
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Physical therapy in nearby states
Other healthcare specialties in Washington
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 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 Washington.