Medicare and Therapy Services: What are the Limits?

Medicare is indeed the largest health insurance provider in the United States. With it, you will see that you will get free hospitalization, and even discounts on prescription medication.

Generally designed for the elderly, Medicare will be able to cover most of the expenses that you incur in healthcare.

However, you have to remember that Medicare has its limits. For people who are undergoing therapy, such as physical therapy, occupational therapy, and speech-language pathology, you will see that Medicare has new rules regarding the limits and the things that it can cover.

For physical and speech language pathology combined, the limit is 1,590 dollars per year. The same goes for occupational therapy.

After paying your annual 100 dollars for the Medicare Part B deductible, the Medicare policy states that it will pay about 80 percent of its share of the medical cost. The remaining 20 percent will be paid by you or it can be covered by a supplemental insurance policy or Medigap.

You also need to remember that the limits don’t apply to therapy services if you get the service at a hospital outpatient department. This means that Medicare will be able to cover you if the treatment or the therapy was done in a Medicare certified bed in a nursing facility or in a hospital's outpatient department.

These are the things that you need to remember about the therapy limits with Medicare. So, if you are ever in need of therapy, you will know what to expect and how much you need to pay for the therapy.

Filed under: General-Medicare