Getting to physical therapy shouldn’t feel like a battle. But for many seniors — recovering from surgery, living with chronic pain, or simply aging — even stepping outside can be a challenge.
That’s why Medicare in 2025 is making in-home physical therapy more accessible than ever. You or your loved one can now heal, build strength, and stay mobile, all from the comfort of home.
At Skyline Benefit, we help families navigate the complexities of Medicare with clarity. Here’s what you need to know about Medicare in home physical therapy 2025 — what it covers, who qualifies, and how to get started.
What Is In-Home Physical Therapy?
In-home physical therapy is a skilled service provided by licensed professionals who help patients improve strength, balance, and mobility — all within the comfort and safety of their homes. It’s commonly used after hospital discharges, joint replacement surgeries, strokes, or to manage chronic illnesses like arthritis, osteoporosis, and Parkinson’s.
These services are not just about recovery — they’re about maintaining independence and avoiding hospital readmissions.
Does Medicare Cover In-Home Physical Therapy in 2025?
Yes — but there are important conditions.
Original Medicare (Part A and Part B) may cover in-home physical therapy if:
- It is deemed medically necessary by your doctor
- You’re homebound, meaning it’s difficult to leave your home without help
- Services are provided by a Medicare-certified home health agency
Under these conditions, Medicare Part B typically pays 100% of the approved cost for physical therapy services as part of a home health care plan.
Medicare Advantage Plans and At-Home Therapy
If you’re enrolled in a Medicare Advantage (Part C) plan, coverage can vary. Many Advantage plans offer broader access to in-home rehabilitation, sometimes with fewer restrictions or added benefits.
Some plans may even offer additional wellness services, such as telehealth physical therapy check-ins or remote monitoring.
At Skyline Benefit, we work with trusted Medicare Advantage carriers, including Anthem, Providence, UCLA Health, SCAN, Blue Shield, UnitedHealthcare, as well as other top carriers, to compare your options and find the best in-home care benefits available in your area.
What Services Are Included?
When eligible, Medicare-covered in-home physical therapy may include:
- Strength and mobility training
- Balance improvement exercises (fall prevention)
- Gait training and walking aid assessments
- Pain management strategies
- Education on movement safety in the home
These services are typically part of a larger home health care plan, which may also include nursing visits, occupational therapy, and speech therapy — all covered if medically necessary.
Who Qualifies for Medicare In-Home Therapy?
To qualify for Medicare in home physical therapy 2025:
- Your doctor must certify that you need skilled therapy services at home
- You must be under the care of a physician and receive services under a care plan
- You must be homebound
- The home health agency must be Medicare-approved
If you meet all these criteria, Medicare covers the cost — with no out-of-pocket fees for qualified services under Original Medicare.
How to Get Started with In-Home Physical Therapy
- Talk to your doctor: Get a written referral and establish a care plan.
- Work with a Medicare-certified home health agency.
- Verify your coverage: If you have a Medicare Advantage plan, contact Skyline Benefit, and we’ll help you review your plan’s benefits.
- Start your in-home therapy: Skilled professionals will come to your home on a schedule that fits your health needs.
Common Questions About Medicare and In-Home Therapy
Does Medicare cover long-term therapy?
No — Medicare covers intermittent, medically necessary therapy.
Can I choose my therapist?
You can request preferences, but therapists must be part of the Medicare-approved home health agency network.
Does Medicare cover telehealth physical therapy?
Some Medicare Advantage plans do — especially in 2025 as virtual care continues to expand.
Need Help Understanding Medicare In-Home Benefits?
Skyline Benefit is a trusted Medicare insurance broker in California; we help you simplify Medicare, and our licensed brokers can help you compare plans, confirm coverage, and find the best home health benefits for your situation.
Schedule a consultation today. Call us at: (714) 888-5112