Medicare
Does Medicare Cover Physical Therapy?
Yes, in most cases. Here is how Medicare pays for physical therapy and what you may still owe.
Short answer
Medicare Part B generally covers outpatient physical therapy when it is medically necessary and your provider certifies a plan of care. Medicare does not set a fixed dollar cap on medically necessary therapy, but your therapist may need to document why continued care is needed.
What you pay
- You pay the Part B deductible first.
- After that you typically pay 20 percent of the Medicare-approved amount.
- A Medigap (supplement) plan may cover part or all of that 20 percent.
Medicare Advantage
Medicare Advantage plans must cover what Original Medicare covers, but copays, network rules, and pre-approval can differ. Check your plan’s summary or call the number on your card.
Does Medicare pay for physical therapy at home or in a facility?
Medicare can cover therapy in clinics, in the home under home health benefits, and in some facilities, under different parts of Medicare and with different rules. Ask your provider which applies to you.
Steps to take
- Ask your doctor whether physical therapy is right for you
- Choose a therapist who accepts Medicare
- Confirm your deductible and any supplemental coverage
- Keep records of your plan of care and progress
Frequently asked questions
Does Medicare pay for physical therapy?
Yes, Part B generally covers medically necessary outpatient physical therapy.
Do I need a referral?
Medicare requires a provider to certify your plan of care. Ask the clinic how they handle this.
Related guides
Medical disclaimer: This page is for education only and is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider about your condition.