Physical Therapy is an alternative treatment before and after surgery to help heal and prevent further injury, as well as, care after a serious illness, such as stroke. Physical therapy costs can really add up, especially if you need care for a long period of time. The question is does Medicare cover it, and, if so, how much does it cover?
Does Medicare Cover Physical Therapy?
Yes. At one time there was a maximum payout for physical therapy but that was removed by Congress for 2018. There is no specific limit on the number of physical therapy visits you can receive in a calendar year but if your total costs exceed $2010, the Center for Medicare Services (CMS) will need to authorize that the services are reasonable and medically necessary.
You are still responsible for your Medicare Part B deductible, your 20% coinsurance and any excess charges.
Does Medigap Cover Physical Therapy?
All Medigap plans pay for all or part of your physical therapy coinsurance and copays, however only only Medigap plans “C” and “F” cover your Part B deductible. Plans F and Plans G will cover all excess charges as well.
Does Medicare Advantage Cover Physical Therapy?
Medicare Advantage (MA) does cover physical therapy, however, since MA plans are not standardized you’ll have to research exactly how.
For further questions call a Senior65 agent at 800-930-7956 or click here to read our article Does Medicare cover Chiropractic and Acupuncture?