By admin 
Yes. Medicare covers physical therapy when it is medically necessary. Here is how the coverage works and what you may still pay.
What Medicare Part B covers
Part B generally covers outpatient physical therapy, including evaluation, treatment, and a plan of care that a doctor or other eligible provider certifies. Therapy must be reasonable and necessary for your condition and provided by a qualified therapist or an assistant under supervision.
What you pay
- You pay the annual Part B deductible first.
- After that, you typically pay 20 percent of the Medicare-approved amount.
- A Medigap (supplement) plan may cover some or all of that 20 percent.
Deductible and premium amounts change every year, so check current figures at Medicare.gov.
Is there a limit on therapy?
Medicare does not cut off medically necessary therapy at a fixed dollar amount. After you reach a yearly spending threshold, your provider must document why therapy is still necessary, and Medicare may review the claim more closely. Ask your clinic how this applies to you.
Medicare Advantage plans
Medicare Advantage plans must cover what Original Medicare covers, but they may set copays, require prior approval, and limit you to certain clinics. Always check your plan’s rules.
Therapy in other settings
Medicare can also cover physical therapy in the home through home health benefits and in some facilities, under different rules and parts of Medicare.
Steps to take
- Talk to your doctor about whether physical therapy is right for you.
- Choose a therapist who accepts Medicare.
- Confirm your deductible and any supplemental coverage.
- Ask the clinic to explain the plan of care and expected number of visits.
- Keep copies of your paperwork.
Frequently asked questions
Does Medicare pay for physical therapy at home? It can, under home health benefits, if you meet the requirements.
Do I need a referral for Medicare to pay? A provider generally must certify your plan of care. The clinic usually handles the paperwork.