Hi Carol .... Yes the home PT was paid for by Insurance . I am 66 , have medicare part A only , and have blue cross to cover the rest - I always get confused who pays what LOL .... but the PT was fully covered . I think now that I am starting outpatient I just need to pay a small co pay when I go - not sure , first one is Thursday this week. My surgery was three weeks yesterday , still the toughest part for me is sleeping - I am still reckless tossing and turning , not painful just uncomfortable. know what I mean ? It is still swollen so am trying to ice it as much as I can ... once the swelling goes down it will be much more comfortable . Hang in there .... you will do great ... DEE