Hi CPL, one of the reasons I chose Dr. M, is because he offers IMO the best rate, while leveraging the best USA medical tech has to offer.
To put it frankly, he is not the most expensive, and he is not the "cheapest" either. Based on my experience watching other LLers, you definitely get what you pay for. Which is why I chose him, you pay for the best.
I chose Mahboubian, because of his history (been in the LL game i think close to 15+ years), and his response time. He replies to my emails same day (even on Sunday), and offers the brass tax, based on what you are experiencing, the risk factors, and recommendations. He will push you to your full potential. What got me as a client, was there was one user on here who considered stopping at 2.5inches, he could have let it go, but instead Dr. M pushed him to go 3. He made that recommendation based on the patients current condition, and knew he would be able, and would benefit by that final .5. One last thing, is there surgery crew are perfectionist, check mine and other x rays on this board, his alignment of the rods are perfect.
PT is not covered, however you get to choose your own PT near you (big +), the PT and him communicate, and to answer your question, insurance covers PT (you only pay co pay, which for me is 30 bucks a session).
Hope this helps!