MEDICARE AND PHYSICAL THERAPY: WHAT’S COVERED AND WHAT’S NOT

Medicare covers physical therapy in various settings if medically necessary and under a physician’s care.

Medicare has a limit for physical therapy coverage, which can be exceeded with medical necessity. Otherwise, no coverage for unnecessary therapy.

Medicare Advantage plans may have more benefits but also more restrictions for physical therapy. Medigap can fill the gaps in original Medicare coverage.

Medicare covers telehealth visits for physical therapy, which may expire soon unless Congress extends it.

Out-of-pocket costs for physical therapy vary by Medicare plan and therapy setting. Original Medicare Part B covers 80 percent after deductible, while Medigap can cover the rest. Advantage plans may have coinsurance and copays.

Discussing your Medicare for physical therapy needs with an experienced and knowledgeable Medicare expert can save you time and money. Contact us today at Medicare Advisors to learn more about your physical therapy coverage options.