One PT session will probably cost 100$ full price. I imagine you could just pay for it with cash, and tell your dad you will pay for him to go once a month IF he does the exercises at home in between. Like little brown dog said, as long as you are upfront that money is a huge issue, I am sure they will give you a few weeks of exercises at a time. My dad nearly chopped his finger off, and a LOT of the PT was just increasing hand strength with the repaired muscles, so he spent time every dad "playing" with playdoh, silly putty, etc to work the muscles. You don't need weekly PT to do that at home!