Does Medigap Cover Physical Therapy?

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   Joann Quinn

   Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA

   According to the 2014 Medicare and You handbook distributed by CMS, physical therapy is a limited Medicare approved item. Medicare covers an evaluation and treatment for any injury or disease that changes your ability to function (provided a doctor approves your need for physical therapy). There may be a limit on the amount Medicare will pay for physical therapy services in a single year. Most Medigap Plans will pay the remaining 20% that Original Medicare does not pay for Medicare approved physical therapy.

   Answered on September 4, 2014

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