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. You are still responsible for your Medicare Part B deductible, your 20% coinsurance and any excess charges. At one time there was a maximum payout for physical therapy but that was removed by Congress for 2018.
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?