How Medicare Part B Covers In-Home Physical Therapy in Colorado
By Dr. Ryan Koelling, DPT
How Medicare Part B Covers In-Home Physical Therapy in Colorado
8/24/25 | 3 min read
💭 Key Insights
Medicare Part B can cover in-home physical therapy even if you are not considered homebound.
After meeting the deductible (about $257 in 2025), Medicare pays 80% of approved services, while patients are responsible for 20%.
In-home PT under Part B is billed just like outpatient care, but provided where you live.
Coverage is often misunderstood, and many seniors miss out on this important benefit.
Many people believe Medicare only covers physical therapy in hospitals or clinics, but that’s not the full picture. In Colorado, Medicare Part B can cover in-home physical therapy for eligible patients. This allows individuals to receive skilled care in the comfort of their homes — a critical option for those with mobility challenges, transportation barriers, or a preference for care delivered to where they live.
Medicare Part B is the portion of Medicare that covers outpatient services such as doctor visits, preventive care, and physical therapy.
Medicare Part B Basics
Deductible (2025): About $257.
Coverage: Medicare pays 80% of approved costs after the deductible.
Coinsurance: Patients are typically responsible for the remaining 20%.
Part A vs. Part B for Therapy at Home
When Part A Applies
Covers physical therapy if you are homebound.
Requires care to be managed through a certified home health agency.
Homebound means leaving home requires significant effort or assistance.
When Part B Applies
Applies when you are not homebound but still need skilled PT at home.
Services are billed as outpatient PT, just delivered in your home.
Does not require enrollment in home health services.
What Part B Covers for Physical Therapy
Outpatient physical therapy that is medically necessary.
No therapy caps (though documentation is required after thresholds). (CMS.gov)
Services to improve function, maintain independence, or prevent decline. (NCOA)
Durable medical equipment (DME) such as walkers or canes (80% covered after deductible).
How It Works in Colorado
Doctor’s Order – A physician or qualified provider certifies the need for PT.
Medicare-Approved Provider – The therapist must be credentialed with Medicare Part B.
Billing – After the deductible, Medicare pays 80% of approved services.
Documentation – Therapists must show medical necessity, especially beyond threshold amounts.
In-Person Focus – Most services must be delivered face-to-face, though some telehealth options remain limited.
(WebPT)
Why This Matters for Patients
Therapy delivered at home means no need to travel.
Misunderstood coverage often leads patients to miss out on these benefits.
Especially valuable for seniors in Erie, Lafayette, Boulder, Longmont, and nearby Colorado communities who need easier access to skilled care.
Key Takeaway
Medicare Part B provides an important benefit that covers skilled outpatient physical therapy in the home — even if you’re not considered homebound. With the right provider, patients can get the care they need to remain safe, mobile, and independent.
Want to learn how physical therapy can help in your recovery? Click below to call or submit an inquiry.
Dr. Ryan Koelling, DPT, is a licensed physical therapist based in Colorado with a background in orthopedics, neurological rehabilitation, and geriatric care. Beyond patient treatment, Ryan is a driven entrepreneur who continually researches emerging technologies, evidence-based practices, and new rehabilitation techniques to stay at the forefront of the physical therapy field. He is passionate about advancing the profession, improving patient outcomes, and sharing insights that empower both clinicians and the community. Ryan offers practical perspectives that reflect his commitment to lifelong learning and leadership within the industry.
Dr. Ryan Koelling, DPT
Mobile & Outpatient Therapy Specialist | Innovator in Rehabilitation and Patient-Centered Care