Yes, Medicare Plan G covers physical therapy. It pays the 20% Part B coinsurance that Original Medicare leaves you to handle, so once you have met the annual Part B deductible of $283 in 2026, each Medicare-approved physical therapy visit costs you nothing out of pocket.1Boomer Benefits. Medicare Supplement Plan G That holds whether the therapy takes place in a private clinic, a hospital outpatient department, a rehabilitation facility, or, under current rules through the end of 2027, over telehealth.2CMS. Telehealth FAQ
What You Actually Pay Per Session
Medicare Part B pays for outpatient physical therapy that a physician or other qualified provider certifies as medically necessary, whether the goal is restoring movement after an injury or surgery, rebuilding function lost to illness, or maintaining current abilities and slowing decline.3Medicare.gov. Physical Therapy Services There is no annual dollar cap on how much Medicare will spend on medically necessary therapy in a year.4Medicare.gov. Medicare Coverage of Therapy Services
The cost splits like this. First, you pay the $283 Part B deductible for the year. After that, Medicare covers 80% of the approved amount for each session and leaves the other 20% to you.5CMS. 2026 Medicare Parts B Premiums and Deductibles Plan G steps in there and pays that 20% in full for every remaining approved visit in the calendar year.6Medicare.gov. Compare Medigap Plan Benefits For someone attending two or three sessions a week over several months, that coinsurance would add up quickly without a Medigap policy filling the gap.
The one cost Plan G does not touch is the Part B deductible itself. That $283 is yours to pay before Plan G’s coinsurance benefit begins.
Coverage Across Settings
Because Plan G follows what Medicare approves, the coverage travels with you across the places physical therapy is actually delivered.
Outpatient Clinics and Hospital Outpatient Departments
Standard outpatient physical therapy is billed under Part B. Plan G covers your 20% coinsurance in full after the deductible.
Telehealth
Through December 31, 2027, Medicare covers physical therapy sessions delivered remotely by audio and video. The cost structure is the same as an in-person visit: 20% coinsurance after the Part B deductible, and Plan G covers that coinsurance.2CMS. Telehealth FAQ Starting January 1, 2028, physical therapists will no longer be authorized to furnish Medicare telehealth services under current law.
Skilled Nursing Facility Stays
Physical therapy during an inpatient stay at a skilled nursing facility is billed differently. It falls under Part A, and the therapy costs are bundled into the facility’s daily rate.7Medicare.gov. Skilled Nursing Facility Care Medicare covers the first 20 days of a qualifying SNF stay with no coinsurance. From day 21 through day 100, you owe $217 per day in 2026, and Plan G covers that daily coinsurance in full. After day 100, Part A stops paying, and Plan G does not extend the benefit.8MedicareFAQ.com. Medigap Eligibility for Americans Under Age 65
Home Health
Medicare covers physical therapy delivered through a certified home health agency for beneficiaries who are homebound and whose provider has ordered the services.9Medicare.gov. Home Health Services Medicare pays 100% with no coinsurance for the therapy portion, so there is nothing for Plan G to add.10Medicare.gov. Medicare and Home Health Care
What Happens on Long Courses of Therapy
Although there is no hard cap on Medicare-covered therapy spending, the government does watch high-cost cases. In 2026, once your combined physical therapy and speech-language pathology charges exceed $2,480 in a calendar year, the therapist must add a special billing code called the KX modifier confirming that continued treatment is medically necessary and supported by documentation in the record. Claims that cross this threshold without the modifier are denied.11CMS. Therapy Services
At $3,000, Medicare may subject claims to targeted medical review, though not every claim above that amount is automatically audited.11CMS. Therapy Services For you as the patient, none of this changes what Plan G pays. As long as Medicare approves the service, Plan G pays its share. The documentation burden sits with the treating therapist, and federal law protects beneficiaries from liability when a claim is denied because a provider failed to include the required modifier.12Noridian Medicare. Per Beneficiary KX Modifier Thresholds
Providers Who Charge Above the Medicare Rate
Most Medicare providers accept assignment, meaning they agree to charge no more than the Medicare-approved amount. A provider who does not accept assignment may charge up to 15% above that rate. That extra amount is an excess charge.13Medicare.gov. Find Out If Your Provider Accepts Medicare Plan G covers 100% of Part B excess charges, so if a physical therapist bills above Medicare’s approved rate, you do not pay the difference.6Medicare.gov. Compare Medigap Plan Benefits
Providers who have opted out of Medicare entirely are a separate matter. Medicare will not pay for their services except in emergencies, and Plan G will not pay either.
When Plan G Will Not Pay for Physical Therapy
Plan G only supplements what Original Medicare approves. If Medicare finds a service is not medically necessary, Plan G will not cover it. Before providing a service Medicare may reject, the therapist must give you a written Advance Beneficiary Notice explaining that you could owe the full cost.4Medicare.gov. Medicare Coverage of Therapy Services Other gaps to know about:
- Services from providers who have formally opted out of Medicare, outside of emergencies.
- Routine physical therapy received outside the United States. Plan G’s foreign travel benefit covers emergency care only.
- Custodial care that does not require skilled therapy.
- SNF stays past day 100. Once Part A coverage ends, Plan G does not extend it.
What Plan G Itself Costs
Plan G enrollees pay a monthly premium on top of the Medicare Part B premium. In 2026, average Plan G premiums range from roughly $166 a month at age 65 to about $267 at age 85, though actual prices vary by location, insurer, gender, and tobacco use.14MedicareSupplement.com. Average Cost of Medicare Supplement by Age Because Plan G benefits are standardized by federal law, the only differences between carriers are price, customer service, and financial stability. There are no network restrictions. Plan G works with any provider in the country who accepts Medicare.15Medicare.gov. Compare Original Medicare and Medicare Advantage
To buy Plan G, you must be enrolled in both Medicare Part A and Part B. The safest time to enroll is during the six-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Part B. During that window, insurers cannot deny coverage or charge more based on health conditions.16Medicare.gov. When to Buy Medigap Apply later, and in most states insurers can use medical underwriting, meaning they may charge more or turn you down based on your health history. Some guaranteed-issue rights apply in specific circumstances such as losing employer coverage or leaving a Medicare Advantage plan, and the application generally has to be submitted within 63 days of losing the prior coverage.17Medicare Interactive. Medigap Purchasing Details