Find out about coverage for Medicare physical therapy:
One of the questions many seniors have is whether Medicare will cover physical therapy services. In some circumstances Medicare Part B does cover physical therapy up to a certain limit.
When your physician determines that physical therapy is medically necessary, Medicare Part B will cover 80% of Medicare approved costs of physical therapy, occupational therapy, or speech therapy, up to the limit. Medicare limits are called therapy cap limits. There is also a way to get an exception to the therapy cap limit so that Medicare will keep paying its share for your Medicare physical therapy Merrillville IN even after you reach the limit. Your therapist has to document that your need for additional therapy services is medically reasonable and necessary. The patient is still responsible for the deductible and any coinsurance that applies.
It’s important for you to understand what services Medicare will cover. Sometimes your health care provider may recommend physical therapy services with more visits than Medicare will cover, or services that Medicare just doesn’t cover at all. If this happens, and you receive the therapy anyway, you will have to pay some or all of the costs. It’s in your best interests to know up front what your doctor is recommending, why she is recommending it, and what Medicare will pay for. Then you won’t be taken by surprise.