Does Medicare Cover Physical Therapy?
Yes, Medicare Part B covers medically necessary outpatient physical therapy. You pay 20% of the Medicare-approved amount after meeting your $283 annual deductible. There is no annual cap on PT coverage if medically necessary.
What Colorado beneficiaries should know
Plan availability and coverage details vary by county in Colorado. Urban areas like Denver and Colorado Springs typically have more plan options than rural counties. A licensed Medicare agent can look up plans specific to your ZIP code and help you understand what's covered.
You can also compare plans available in your area or call the Colorado SHIP program at 1-888-696-7213 for free counseling.