Medicare coverage · Texas & Florida
Does Medicare Cover Physical Therapy?
Covered by Original MedicareYes. Medicare Part B covers medically necessary outpatient physical therapy. There is no longer a hard dollar cap, though above an annual threshold your provider must confirm continued medical necessity. You pay 20% after the Part B deductible unless you have supplemental coverage.
Reviewed for the 2026 plan year · Source: Medicare.gov
How to get physical therapy covered in Texas & Florida
Original Medicare covers physical therapy, but you'll owe the Part B deductible and 20% coinsurance with no annual cap — unless you add a Medigap (Medicare Supplement) plan to cover the gaps, or choose a Medicare Advantage plan with a fixed copay. We help Texas and Florida clients pick the option that keeps out-of-pocket costs predictable.
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Frequently Asked Questions
Does Original Medicare cover physical therapy?
Yes. Medicare Part B covers medically necessary outpatient physical therapy. There is no longer a hard dollar cap, though above an annual threshold your provider must confirm continued medical necessity. You pay 20% after the Part B deductible unless you have supplemental coverage.
Do Medicare Advantage plans in Texas or Florida cover physical therapy?
Medicare Advantage plans must cover at least what Original Medicare covers for physical therapy, and a few add extra help. We can confirm the specifics for the plans in your Texas or Florida county at no cost.
How much does physical therapy cost with Medicare?
Your cost depends on your specific plan, where you live in Texas or Florida, and your providers. We compare every option in your county side by side — free, with no obligation — so you see the real total cost before you choose.