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Which parts of Medicare cover physical therapy?
You can get coverage for physical therapy in different ways, depending on the type of Medicare plan.
Medicare Part A may cover physical therapy if it is part of an inpatient rehab program. If you’re recovering from surgery at the facility and need some kind of physical rehab, Part A may cover it.
Medicare Part B may cover certain outpatient rehab care. This includes physical therapy. If you enter physical therapy to help with pain or after coming home from surgery, Part B may cover it.
Medicare Advantage (Part C) offers the same coverage you get with Parts A and B, but often with added benefits.
It’s important to note that Medicare doesn’t cover physical therapy offered by telehealth. Learn more about the different parts of Medicare.
How much does Medicare pay for physical therapy per visit?
Medicare payments for physical therapy can vary in amount.
For inpatient care, the Part A Medicare allowance for physical therapy is measured in days after your deductible is met. In 2025, that deductible is $1,676. From day 1 to 60, you have a $0 copay per benefit period. From day 61 to 90, that increases to $419 per day per benefit period. From day 91 onward, it’s an $838 copay for each lifetime reserve day.
For outpatient care, you pay 20% of the Medicare-approved amount after your Part B deductible is met. There is no limit to the number of outpatient visits you can get covered.
How many physical therapy sessions does Medicare cover?
There is no limit to the number of outpatient sessions Part B can cover. As long as they are medically necessary, your Medicare coverage for physical therapy continues. Inpatient sessions are more limited under Part A coverage. Your doctor may recommend services Medicare doesn’t cover, so be sure to check your benefit details.
Does Medicare cover outpatient physical therapy?
Medicare Part B covers outpatient physical therapy. The exact cost you pay may vary depending on where you get therapy and the kind of therapy you need. Be sure you understand which kinds of therapy are covered by your benefits. Part B generally only covers medically necessary services.