I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?

Question

Robert Pennington · Accepted Answer

If your on Medicare A and B only you would 20%.  If your on a Medicare Advantage Plan, it usually has a copay that would be deductible for the MOOP.

Wayne Rigby · Answer

I am assuming you are on Original Medicare Part B and not an Advantage plan.

Yes, you have to meet your Part B deductible then you would have copayments for those services.  The deductible this year is $257.

Bob Nunn · Answer

First not sure what rehab it is but if you go to Medicare.gov and download the 2025 Medicare and you book . Go to Section 2 : Find out what Medicare covers starting on page 25 .

Rene Apack · Answer

The short answer to the question is the one that no one likes. " I depends."

It depends on the Medicare plan that you currently own. 

On the Medicare Advantage plan side, some plans have a deductible, but mainly, they have a copay that you and the insurance company pay.

Again, on the Medicare Supplement side, it depends on your own Medicare Supplement plan. Plan F has no deductible, whereas Plan G has an annual deductible of $257 for 2025, which is amortized over several doctor's visits, lab work, etc.

Best wishes,
Rene Apack
847-917-4870

Kevin Chaikin · Answer

Yes on traditional Part B you would need to pay your deductible first. Then, depending on your supplemental coverage you may have additional copays and as little as $0 extra cost for Physical Therapy.

Ken Banks · Answer

Yes, you do need to meet your Part B deductible before Medicare begins covering your physical therapy costs. Once your deductible is met, Medicare will typically cover 80% of the approved cost for outpatient physical therapy, and you will be responsible for the remaining 20%. The Part B deductible for 2025 is $257. Medicare will only cover physical therapy that is deemed medically necessary.

Answered by Ken Banks on April 14, 2025

Broker Licensed in GA, AL, FL, LA, NC & SC

Answered by Ken Banks Medicare Insurance Agent

Steven Rodriguez Giudicelli · Answer

Yes, you do have to meet your Part B deductible first. For 2025, the Part B deductible is $257.
Once you've paid that $257 for the year, Medicare Part B will generally cover 80% of the Medicare-approved amount for your physical therapy visits. You'll be responsible for paying the other 20%, which is called coinsurance.
So, in short: Deductible first, then Medicare pays most of it.

Tanja Roulhac · Answer

Physical therapy is covered under Medicare Part B, however you must first meet your deductible then benefits are paid. Medicare will pay 80% and the beneficiary is responsible for 20% of the approved cost.

Answered by Tanja Roulhac on April 8, 2025

Broker Licensed in FL, AZ, CA, PA & TX

Answered by Tanja Roulhac Medicare Insurance Agent

I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?

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I'm on Medicare Part B, and I'm wondering how my physical therapy visits are covered. Do I have to hit my deductible first?

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