Understanding your coverage for physical, occupational, and speech therapy services
Yes. Medicare Part B (Medical Insurance) covers outpatient physical therapy, occupational therapy, and speech-language pathology services when they are medically necessary. This means if your doctor or therapist determines that therapy will help treat or manage your condition, Medicare will help pay for it.
At Mobile Therapy & Consulting, we are a Medicare Part B provider. We handle the insurance paperwork and billing so you can focus on your recovery. Our team will verify your coverage, explain any costs, and ensure you receive the maximum benefit available to you.
Many patients are surprised to learn just how much therapy Medicare covers. Whether you need physical therapy after a fall, occupational therapy to maintain independence, or speech therapy after a stroke, your benefits are designed to support your recovery.
Evaluation and treatment for mobility, strength, balance, pain, and functional limitations. Includes therapeutic exercises, manual therapy, and gait training.
Assessment and treatment to improve daily living skills, home safety, adaptive equipment training, and cognitive strategies for independent function.
Evaluation and treatment for speech, language, voice, cognitive-communication, and swallowing disorders from qualified speech-language pathologists.
Your therapy must be prescribed by a physician or qualified healthcare provider and deemed "medically necessary" — meaning it's required to treat or manage a diagnosed condition.
After meeting your annual Part B deductible, you typically pay 20% of the Medicare-approved amount for therapy services. If you have a Medigap (supplemental) policy, it may cover some or all of this 20%.
Medicare removed the hard therapy cap in 2018. There is no longer a strict dollar limit on therapy services. However, once spending exceeds a certain threshold, additional documentation may be required to justify continued treatment.
Our team verifies your Medicare eligibility, obtains necessary authorizations, submits claims, and communicates with your physician. You don't need to navigate the system alone.
Do I need a referral from my doctor?
While Medicare does not always require a physician referral for therapy, having one ensures smooth coverage. We can help coordinate with your doctor to obtain a referral if needed. If you're a facility resident, your nurse or care coordinator can help arrange this.
How many therapy sessions does Medicare cover?
There is no fixed number of sessions. Medicare covers therapy as long as it remains medically necessary and you are making progress toward your goals. Your therapist documents your progress to support continued coverage.
What if I have Medicare Advantage (Part C)?
Medicare Advantage plans must cover at least the same therapy benefits as Original Medicare. However, your plan may have different copays, network requirements, or prior authorization rules. Contact us and we'll verify your specific plan's coverage.
Can I receive therapy at my assisted living facility?
Absolutely. Mobile Therapy & Consulting provides on-site therapy at partner senior living communities. Medicare Part B covers these services just as it would at an outpatient clinic. The convenience of on-site therapy means no transportation hassles.
What conditions qualify for Medicare-covered therapy?
Any condition that creates a functional limitation and can be improved with skilled therapy may qualify. Common qualifying conditions include post-surgical recovery, stroke, falls, arthritis, Parkinson's disease, dementia-related functional decline, and many more.
Our team will verify your Medicare coverage, explain your benefits, and help you understand any out-of-pocket costs — all at no charge to you. Getting started is easy.
Contact Us to Verify Coverage