Is Physical Therapy Covered by Medicare?


Medicare is the federal health insurance program that provides coverage for Americans aged 65 and older, as well as those with certain disabilities or end-stage renal disease. One of the vital services covered by Medicare is physical therapy, which plays a crucial role in helping individuals recover from injuries, manage chronic conditions, and improve overall physical function and quality of life.

What is Physical Therapy?

Physical therapy is a healthcare discipline that focuses on the evaluation, treatment, and prevention of movement dysfunction and physical impairments. Physical therapists are trained to diagnose and manage conditions that affect the musculoskeletal system, including injuries, disabilities, and chronic illnesses. They use various techniques, such as exercise, manual therapy, and modalities like heat or electrical stimulation, to help patients improve their strength, flexibility, balance, and overall mobility.

Medicare covers a wide range of physical therapy services, including:

  • Therapeutic exercises
  • Gait training
  • Manual therapy
  • Functional training
  • Modalities like ultrasound, electrical stimulation, and heat/cold therapy

Outpatient physical therapy is provided in an outpatient setting, such as a clinic, hospital, or physical therapist's office, while inpatient physical therapy is offered to patients who are hospitalized and receiving care on an inpatient basis.

Medicare Coverage for Physical Therapy

To be eligible for Medicare physical therapy coverage, you must meet the following criteria:

  • Be enrolled in Medicare Part A (hospital insurance) and/or Part B (medical insurance)
  • Have a medical condition that requires skilled physical therapy services, as certified by a physician or qualified healthcare provider

Medicare Part B covers outpatient physical therapy services, including those provided in a hospital, clinic, or private practice setting. This coverage is subject to an annual deductible and coinsurance, which requires beneficiaries to pay a portion of the costs.

Inpatient physical therapy is covered under Medicare Part A if you are admitted to a hospital or skilled nursing facility for treatment. In this case, Medicare covers 100% of the costs for up to 100 days of skilled nursing facility care, as long as certain eligibility requirements are met.

Many Medicare Advantage plans (Medicare Part C) also provide coverage for physical therapy services. These plans, offered by private insurance companies, must cover at least the same benefits as Original Medicare (Parts A and B), and some may offer additional coverage or lower out-of-pocket costs.

Medicare Physical Therapy Costs

When it comes to physical therapy costs under Medicare, there are several factors to consider:

  • Medicare deductibles: Medicare Part B has an annual deductible that beneficiaries must pay before Medicare begins to cover their physical therapy expenses.
  • Coinsurance: After meeting the deductible, Medicare Part B typically covers 80% of the approved amount for outpatient physical therapy services, while the beneficiary is responsible for the remaining 20% coinsurance.
  • Therapy caps: There are annual limits on the amount of outpatient physical therapy, occupational therapy, and speech-language pathology services that Medicare will cover. These caps are adjusted annually and can vary based on specific circumstances.
  • Copays: Some Medicare Advantage plans may require copayments for physical therapy visits, which are fixed amounts that beneficiaries must pay out-of-pocket for each visit.

It's important to understand these costs and plan accordingly, as physical therapy services can quickly become expensive, especially for those with chronic conditions requiring ongoing treatment.

Physical Therapists and Medicare

Physical therapists are highly trained healthcare professionals who earn a Doctor of Physical Therapy (DPT) degree. They are licensed and regulated by state boards, ensuring that they meet specific educational and clinical requirements.

Physical therapy assistants also play a vital role in delivering therapy services under the supervision of a licensed physical therapist.

Physical therapists are instrumental in providing skilled therapy services that help patients recover from injuries, manage chronic conditions like arthritis or Parkinson's disease, and undergo rehabilitation after major medical events like strokes or hip replacements.

The physical therapy process typically begins with a comprehensive evaluation, where the therapist assesses the patient's condition, functional limitations, and goals. Based on this assessment, the therapist develops a treatment plan tailored to the individual's needs, which may include exercises, manual techniques, modalities, and education on self-care strategies.

Additional Medicare Therapy Services

In addition to physical therapy, Medicare also covers other forms of therapy under certain circumstances:

  • Occupational therapy: This therapy focuses on helping individuals regain or improve their ability to perform everyday activities and tasks, such as dressing, cooking, and grooming.
  • Speech-language pathology services: These services are designed to evaluate and treat communication disorders, swallowing problems, and cognitive impairments related to speech and language.

Medicare coverage for these services is similar to that of physical therapy, with specific eligibility criteria, deductibles, and coinsurance requirements.

Accessing Medicare Physical Therapy

To access physical therapy services under Medicare, beneficiaries can:

  • Find a Medicare-approved physical therapy clinic or provider in their area. Medicare maintains a list of certified providers and facilities that meet specific quality standards.
  • Utilize home health care services if they meet the eligibility criteria for homebound status. In such cases, a physical therapist may visit the patient's home to provide therapy as part of a broader home health care plan.

It's essential to note that some physical therapy services may require prior authorization from Medicare or the beneficiary's Medicare Advantage plan. Failure to obtain appropriate authorization can result in denials or higher out-of-pocket costs.

Medicare Supplement Plans and Medicaid

For some Medicare beneficiaries, the out-of-pocket costs associated with physical therapy can be a financial burden. In such cases, there are additional options to consider:

  • Medicare supplement insurance (Medigap): These private insurance plans can help cover some of the costs not covered by Original Medicare, such as deductibles, coinsurance, and copayments. Different Medigap plans offer varying levels of coverage, so it's essential to choose a plan that aligns with your specific needs and budget.
  • Medicaid: This joint federal and state program provides health coverage for individuals with limited income and resources. Medicaid can help cover physical therapy costs for eligible beneficiaries, including those who are dually eligible for both Medicare and Medicaid.

Physical Therapy Exercises and Pain Management

Physical therapy is not just about passive treatments like massage or heat therapy. A significant component of physical therapy involves physical therapy exercises designed to improve strength, flexibility, balance, and overall function.

Therapists often prescribe specific exercises tailored to the patient's condition and goals, which may include:

  • Strengthening exercises: These exercises target specific muscle groups to improve strength and endurance, which can help reduce fatigue and improve functional abilities.
  • Flexibility exercises: Stretching and range-of-motion exercises help maintain or improve joint mobility and reduce the risk of injury.
  • Balance and coordination exercises: These exercises focus on improving stability, proprioception (body awareness), and coordination, which can help prevent falls and improve overall mobility.

In addition to rehabilitative exercises, physical therapy also plays a crucial role in pain management. Therapists can employ various techniques, such as manual therapy, modalities like ultrasound or electrical stimulation, and exercise prescription, to help patients manage acute or chronic pain effectively.

Medicare Resources and Claims

Medicare provides a wealth of resources for beneficiaries to learn more about their coverage, find providers, and understand their rights and responsibilities:

  • Medicare website ( This comprehensive online resource offers information on Medicare benefits, coverage details, and tools to help beneficiaries compare plans and find providers.
  • Medicare & You handbook: This annual publication provides an overview of Medicare benefits, rights, and resources, and is mailed to all Medicare beneficiaries.
  • 1-800-MEDICARE (1-800-633-4227): Beneficiaries can call this toll-free number to speak with a Medicare representative and get answers to their questions.

When it comes to filing Medicare claims for physical therapy services, the process is typically handled by the provider or facility. However, it's essential for beneficiaries to review their Medicare Summary Notices (MSNs) to ensure that claims are processed correctly and to identify any potential billing issues or errors.

Key Takeaways:

  • Medicare covers a wide range of physical therapy services, both inpatient and outpatient, to help beneficiaries recover from injuries, manage chronic conditions, and improve overall physical function.
  • Eligibility for Medicare physical therapy coverage requires enrollment in Medicare Part A and/or Part B, as well as a medical condition that necessitates skilled therapy services.
  • Costs associated with physical therapy under Medicare may include deductibles, coinsurance, therapy caps, and copays, depending on the specific coverage and plan.
  • Physical therapists are highly trained healthcare professionals who play a crucial role in providing skilled therapy services, evaluating patients, developing treatment plans, and prescribing exercises for rehabilitation and pain management.
  • Medicare beneficiaries can access physical therapy services through Medicare-approved clinics and providers, as well as through home health care services if they meet specific criteria.
  • Additional resources, such as Medicare supplement insurance (Medigap) and Medicaid, can help cover some of the out-of-pocket costs associated with physical therapy.
  • The Medicare website, handbook, and toll-free number provide valuable information and resources for beneficiaries to learn more about their coverage, find providers, and file claims.

FAQs about Medicare & Physical Therapy Coverage

Does Medicare Cover Physical Therapy?

Yes, Medicare does cover physical therapy when it is deemed medically necessary to treat a condition or injury. This coverage falls under Medicare Part B.

How many times will Medicare pay for physical therapy?

Medicare typically covers physical therapy services as long as they are medically necessary and meet certain criteria. There isn't a specific limit on the number of sessions Medicare will pay for, but coverage is subject to medical necessity and other factors.

What is the Medicare Part B physical therapy cap for 2024?

As of 2024, there is no hard cap on Medicare Part B coverage for physical therapy services but thresholds exist. Talk to your doctor about your specific needs and costs.

Can physical therapists bill Medicare?

Yes, physical therapists who are enrolled in Medicare can bill for services provided to Medicare beneficiaries as long as those services are medically necessary and meet Medicare's coverage criteria.

Does Medicare cover physical therapy for arthritis?

Yes, Medicare covers physical therapy services for conditions such as arthritis when they are medically necessary and prescribed by a healthcare provider. Physical therapy can be beneficial for managing arthritis symptoms, improving mobility, and enhancing overall quality of life.

How do I find a Medicare-approved physical therapy provider?

You can use the Medicare website's "Physician Compare" tool to search for physical therapists, clinics, and facilities that are certified by Medicare in your area. You can also ask your primary care physician for recommendations or check with local hospitals or rehabilitation centers for referrals.

Can I receive physical therapy services at home if I'm homebound?

Yes, Medicare covers physical therapy as part of home health care services if you meet the eligibility criteria for homebound status. In this case, a physical therapist may visit your home to provide therapy as part of a comprehensive home health care plan.

What if my Medicare Advantage plan denies coverage for physical therapy services?

If your Medicare Advantage plan denies coverage for physical therapy services, you have the right to appeal the decision. Your plan must provide you with information on how to file an appeal, and you can also seek guidance from Medicare representatives or advocacy organizations to navigate the appeals process.


Medicare physical therapy coverage is a vital component of the Medicare program, providing access to essential services that can help beneficiaries recover from injuries, manage chronic conditions, and improve their overall physical function and quality of life.

By understanding the eligibility requirements, coverage details, costs, and resources available, Medicare beneficiaries can make informed decisions about their physical therapy care and ensure they receive the support they need to achieve their health and wellness goals.

Remember, physical therapy is not just about treating injuries or disabilities; it's about empowering individuals to take an active role in their rehabilitation and long-term health management. By working closely with a skilled physical therapist, Medicare beneficiaries can unlock their full potential for mobility, independence, and overall well-being.

Contact NavaQuote Today!

Contact NavaQuote today for a free consultation and experience the difference personalized insurance can make. Our knowledgeable experts are ready to guide you through the process of understanding your Medicare coverage and finding the right plan to support your health and well-being.

Take the first step towards a healthier, more secure future by scheduling your consultation with NavaQuote. We'll help you navigate the complexities of Medicare and ensure you have the coverage you need to access the physical therapy services that can transform your life.