What are your experiences with the cost of in-house physical therapy in OK, with Insurance?

Seems like you're saying she's on Medicare with BCBS supplemental insurance. I have that too, and they seem to cover a lot of PT, but I'm in MN and do PT at the ortho facility.

Call the number on her card and ask that question to get an accurate answer.

This may be more trouble than it’s worth, but it might help with getting M to do her exercises. See if you can find a YouTube of exercises that are fairly similar to hers, and set up the TV to show them. There are lots and lots and lots of exercise clips, usually about 10 minutes. Your OT may even be able to suggest one. If M's watching them on TV, she is more likely to go along with them herself, like being in a class. That is my own personal experience anyway! Make it so that you just press start, and nag a bit rather than have to stay there with her all the time.

Thank you do much, Alvadeer. True, the brain ages… There’s so much usually out there talking about the power of the brain, etc. that I never realized until now, that there’s a limit to that. Aging is a different ball game.

Look at her insurance policy or call the number on the back of her card. Most policies will state what the co pays are per visit. If she has a MA plan, insurance will check if the PT is in network, You dont mention about a rehab center. Was she hospitalized and offered rehab upon discharge?

How old is Mom, 65 and over she should have Medicare and that will pay for PT in the home. Not sure if she can go straight to Rehab. You usually need a hospital stay for that.

I did in Home PT with my Dad 4 times a week for 6 Months , we took a Break and started up again at 2 times a week with a VNA Nurse . Also was able to get a CNA twice a week for bathing and Hygiene - this was covered by medicare . He did great and recovered from his stroke but we did adhere to a strict schedule .

Look on the back of her insurance card and call the number listed for help in determining what her insurance covers.
In home PT/OT was very good for my LOs. One had therapy in the rehab outpatient facility. I have had rehab for my back in a rehab outpatient. It was covered. But we didn’t have your moms insurance so best to check. There are probably 100s of different plans across the country once you deviate away from original Medicare with a supplement.
Therapy really helped.

What do you mean by "in house PT".?
Do you mean inpatient PT in a rehab center, or PT at home?

Why would it be "the worst possible thing"?

Rehab should, for the most part, be ordered and covered by medicare, medicaid or your supplemental.
The truth is the seniors fall. They WILL fall not matter how good, how expensive the therapy. This is a matter of the aging brain.
Falls often harbor in the beginning of the end. They certainly did for my mother.
As an 81 year old who daily does fall prevention exercises to train the brain I can tell you that there's only so much training one can do for the aging brain. We now ride transit whether weighing the most we ever did or no, as feathers in the wind.
We will fall. We ill eventually be injured by these falls. We will eventually die. Our brains can no longer sustain us.
I am 81 and a retired RN. I tell you the truth.
So don't spend a lot of extra's thinking you can reverse time and the aging process.
Make it as safe as you are able.
Understand that FALLS ARE GOING TO HAPPEN, and keep your loved one safe as you are able. I wish you the very best of luck.