A number of insurances have started covering chiropractic and "alternative" medicines. You should call and ask your insur co if they do! BCBS here will discount services such as chiros, massage therapy, nutrition counselling, yoga, biofeedback, acupuncture, tai chi, weight management programs, exercise, guided imagery and even some health spas!

I guess insurance companies are finally realizing that there is more to health than just prescriptions... Sorry I don't have anything else to add about PT (I keep checking in on this post though, because I think I might ask my Dr whether PT is an option for me. So thanks for all the info!)