Physical Therapy Coverage by Medicare
Outpatient physical therapy, occupational therapy, and speech therapy are covered by Medicare Part B. Private practice therapists, outpatient hospital departments, and skilled nursing facilities provide these services.
What are the Limits on Physical Therapy?
The Medicare therapy spending cap has been eliminated as of 2019. Therefore, Medicare does not limit the number of physical therapy sessions it will cover.
Your Cost for Physical Therapy with Medicare
You may need to satisfy your Part B deductible if you have Original Medicare and need physical therapy. After you meet your deductible, Medicare will cover 80% of your physical therapy costs, and Medigap plans can cover the remaining 20% of coinsurance for you if you have one.
Medicare only covers medically necessary physical therapy sessions. A Medicare provider must notify you if they provide you with a service that may not be medically necessary. You will be provided with an Advance Beneficiary Notice explaining your choice of non-coverage. If you decide to cancel, you can continue at your own expense.