Physical therapists are specialists – according to many Georgia insurance policies, that is. While physical therapists undergo extensive education, training and may be considered specialists in their profession, the “specialist” title – generally reserved for physicians such as neurologists and cardiologists – comes with the burden of high co-pays for consumers actively seeking treatment.
PTAG Blog 
It is tragic that so many people opt out of receiving critical therapy services that will impact them for the rest of their lives because co-pays are outrageously unaffordable.