Best Physical Therapists That Will Accept Medicare (2021)

There are many physical therapists that accept Medicare, and you can find a list of them on Medicare.gov. Luckily, the rates for physical therapy through Medicare are affordable. You can get quotes for physical therapists that accept Medicare without a prescription until your physical therapy costs exceed $2,110.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • Your Medicare coverage will likely cover physical therapy
  • You can find providers via Medicare.gov
  • After certain Medicare costs, you’ll need a doctor’s prescription

Many physical therapists accept Medicare, and you have a few ways to find good providers near you. In addition, there are affordable health insurance options that will allow you to see a physical therapist at an affordable cost.

Looking for rates for physical therapists that accept Medicare? Enter your ZIP code into our free tool to compare rates at other insurance companies.

How to Find the Right Medicare Physical Therapy Providers

According to the Insurance Information Institute, Medicare can pay for inpatient and outpatient care as you age. For example, Medicare covers hospital treatment and primary care treatment in addition to physical therapy. 

To find a physical therapist that accepts Medicare, get in touch with your insurer. There are multiple ways to do this:

  • Use the Physician Compare tool on Medicare.gov
  • Call the number on your Medicare card to find providers

These official services may be the quickest way to find a physical therapist that accepts your Medicare coverage. However, you can ask your friends or get a recommendation from your primary care physician.

Suppose you’re looking for physical therapy near you that accepts Medicare. In that case, you’ll want to follow similar steps to access databases or numbers that can give you the right provider.

To make sure they’re quality physical therapists, do some the following:

  • Discuss options with your doctor. Then, not only can your primary care physician prescribe therapy, but they’ll also know the best local providers.
  • Research your coverage options. It’s wise to confirm the cost and length of your Medicare coverage for physical therapy.
  • Compare multiple providers. If you compare at least three different physical therapists, you’re more likely to find a good caretaker.

Any steps you take to be more knowledgeable about your coverage and costs will serve you well in the long run.

How much does physical therapy for Medicare patients cost?

Medicare will cover up to $2,110 for physical therapy costs. At that point, you’ll have to prove that it’s medically necessary to continue. You can provide proof by going to a doctor and getting them to prescribe physical therapy treatment.

While it may be a partially government-funded program, you will still have to pay for Medicare when you turn 65. Additional costs for physical therapy through Medicare include copays and coinsurance. 

Medicare Physical Therapy Guidelines 2021

In 2018, caps on Medicare outpatient therapy were repealed and replaced with new limitations that guarantee the insurer is still paid for services rendered.

Furthermore, physical therapy will need to be prescribed by a doctor to be covered by your Medicare plan after it reaches a particular cost. If the doctor doesn’t believe it’s necessary, your physical therapy treatment won’t be covered.

Will Medicare cover your physical therapy appointment?

Yes, but the appointment will need to be prescribed by a doctor.

Medicare will help pay for your physical therapy as long as you meet the requirements set by the insurer. However, the physical therapist’s office will require coverage under the Medicare plan.

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Medicare Four Parts and How They Benefit Physical Therapy

Currently, Medicare is split into four parts that help pay for different medical costs.

The four Medicare parts are Parts A, B, C, and D:

  • A – This provides coverage for your inpatient and hospital costs.
  • B – This coverage applies to your doctor’s office and other outpatient facilities.
  • C – Medicare Advantage plans are Part A and B coverage that a private company offers.
  • D – This covers any prescription drugs you may need.

The split better organizes the various medical costs and makes legislation and funding easier for individual aspects.

How Physical Therapy Can Help You

Physical therapists undergo years of study over the human body to understand what’s wrong and help with any issues you may be facing. For example, a physical therapist can help you:

  • Recover after an injury
  • Re-learn how to walk
  • Build your muscles and strength

Your physical therapist can help you build strength and recover from various injuries that have left you weaker than usual. With recurring physical therapy appointments, you’ll be able to recover and get back to your old life.

Medicare Physical Therapists: The Bottom Line

While a physical therapist might be out of some people’s comfort zones, the help they provide is extraordinary. Furthermore, you won’t need a prescription for it to be covered by Medicare until the cost reaches over $2,110.

Now that you know how to find affordable physical therapists that accept Medicare, enter your ZIP code into our free quote tool to see what you’d pay elsewhere.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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