Medicare is a federally funded and operated health insurance program for the elderly and disabled. Original Medicare consists of two parts: Part A hospital benefits and Part B outpatient medical benefits. Medicare Part B may pay for your outpatient physical therapy.
Service Providers
For Medicare to cover your physical therapy, you must obtain services from a state-licensed physical or occupational therapist that is approved to accept Medicare payments. If you are unsure where to locate a provider, you may contact Medicare at 800-MEDICARE (800-633-4227).
Limits & Exceptions
Medicare limits the amount of physical therapy that you can obtain in any given year. In 2009 and 2010, the limit for physical and speech therapy combined was $1,840. If you use more than this allotted amount of services, your provider will need to submit documentation with your Medicare claim that states that you need additional physical therapy. Otherwise, you will be responsible for the full amount of any services above this limit.
Exceptions
If you receive physical therapy in a hospital or an emergency room, the $1,840 limit does not apply. No limit applies to physical therapy in these settings.
Keeping Track oF Expenses
If you visit the same provider for physical therapy, you may consult with that provider regarding how close you are to reaching your limit. You may also keep track of expenses by looking over your Medicare Summary Notice, which is mailed to you every three months and lists all of your Medicare-eligible expenses.
Tags: physical therapy, amount services, your Medicare
