Does Health Sharing Cover Physical Therapy?

By The WhichHealthShare EditorsUpdated August 2026
Short answer

No payable plan names physical therapy as a shareable category on the plan file. Zion HealthShare lists telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery. Physical therapy is not a day-one carve-out. You can enroll with Zion HealthShare from this page.

Our surgery listing guide covers the named-surgery category. Our other guides cover those questions. This page answers the physical-therapy question. The enroll link is still Zion HealthShare, the secular condition page.

PlanPhysical therapy namedNamed day-one list
Zion HealthShareNot on the includes listHBP, cholesterol, type 1 and type 2 diabetes
SederaNot named as a categoryControlled HBP; non-insulin diabetes
Medi-ShareNot named as a categoryNone for physical therapy
CrowdHealthNot named as a categoryNone for physical therapy
Knew Health / HSA SecureNot named as a categoryNone for physical therapy

Does health sharing cover physical therapy?

No payable plan names physical therapy as a shareable category on the plan file. Zion HealthShare lists telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery. Physical therapy is not a day-one carve-out. You can enroll with Zion HealthShare from this page.

How is this different from the surgery page?

The surgery listing page already compares surgery as a named category. This page answers the physical-therapy question. Zion HealthShare does not name physical therapy on the includes list. Individual shares run $114–$320 per month. This page links to Zion HealthShare.

Does Zion HealthShare share physical therapy from day one?

No as a named carve-out. Zion HealthShare day-one carve-outs are high blood pressure, high cholesterol, and type 1 and type 2 diabetes when the hospitalization look-back is clear. Physical therapy is not on that list. Individual shares run $114–$320 per month. You can enroll with Zion HealthShare from this page.

Do Medi-Share or Knew Health name physical therapy?

Neither payable plan file used on this site names physical therapy as a shareable category. Medi-Share lists TeleBehavioral mental health. Knew Health lists mental health and prescriptions for the first 120 days of a new eligible need. You can enroll with Zion HealthShare from this page.

If I already do weekly physical therapy, which payable plan should I model first?

Model Zion HealthShare first among the enroll links for a secular physical-therapy query. Expect ordinary pre-existing waits for an already-treated need. Individual shares run $114–$320 per month. Zion HealthShare requires no faith statement.

Modeling physical therapy bills? Our plan advisor stays on enroll links and will not invent a PT category.

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Does Health Sharing Cover Physical Therapy? (2026)