Does Medicare Cover Rehab?

Yes. Medicare Part A covers inpatient rehab and skilled nursing facility rehab after a qualifying hospital stay, while Part B covers outpatient therapy. Coverage comes with day limits and cost sharing. Call 1-800-MEDIGAP to understand exactly what you will pay.

Yes. Medicare Part A covers inpatient rehabilitation facility (IRF) care for intensive therapy following serious conditions like stroke, spinal injury, or major surgery, when a doctor certifies you need it. The Part A deductible and coinsurance apply, which a Medigap plan can help cover.

Skilled nursing rehab is free for days 1-20, then $209.50 per day for days 21-100 in 2025. Inpatient rehab follows Part A deductible and coinsurance rules. Outpatient therapy carries 20% coinsurance. A Medigap plan can cover most of these costs. Call 1-800-MEDIGAP.

Yes. Medicare Part B covers medically necessary outpatient physical, occupational, and speech therapy. You pay the Part B deductible and 20% coinsurance. There is no longer a hard dollar cap, but therapy must remain medically necessary and documented by your provider.

Yes. With Original Medicare, a Medigap (Medicare Supplement) plan can cover the deductibles and coinsurance for inpatient, skilled nursing, and outpatient rehab, greatly lowering your out-of-pocket cost. Call 1-800-MEDIGAP to compare Medigap plans in your area.