Does Medicare cover aquatic therapy?

When does Medicare cover aquatic therapy? Medicare will cover aquatic therapy when it’s medically necessary. Aquatic therapy is useful for people who can’t handle weight-bearing exercise, suffer immobilizing disorders, or have arthritis. Since aquatic therapy has proven benefits as a physical therapy option, doctors are increasingly recommending it. Because aquatic therapy is such a great option for seniors, Medicare Part B and Medicare Advantage both cover sessions.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 7, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Rundown

  • Physical therapy relieves chronic pain, rebuilds muscle mass, and helps your body bounce back from injuries or surgeries
  • Aquatic therapy is a gentle type of physical therapy for people who can’t handle regular exercise
  • Medicare Part B and Medicare Advantage cover aquatic therapy as long as it’s deemed medically necessary

Aquatic therapy is a form of physical therapy that takes place in water. Usually, that watery setting is a pool. Aquatic therapy is an excellent option for people who have conditions limiting their mobility.

Doctors often recommend aquatic therapy when regular physical therapy is too strenuous or painful for their patients. Aquatic physical therapy is beneficial for seniors who might have joint pain.

Although the benefits of aquatic therapy are well-known, it’s not always covered by health insurance.

Since Medicare covers many seniors, they often ask, “Is aquatic physical therapy covered by Medicare?” If you have Original Medicare or a Medicare Advantage plan, the answer is probably yes. However, copays and deductibles will vary with Medicare Advantage.

Does Medicare cover aquatic therapy? If you’re interested in this type of physical therapy, you should first find the best health insurance rates. If you’re interested in seeing what quotes might look like for you, enter your ZIP code to get started.

Does Medicare cover aquatic therapy?

Medicare covers treatments, procedures, and therapies that are deemed medically necessary. This includes physical therapies like aquatic therapy.

Original Medicare Part B covers outpatient services like doctor appointments and physical therapy sessions. Physical therapy is considered medically necessary, and Medicare accepts aquatic therapy as a rehabilitation service.

To qualify for Medicare coverage, a doctor must recommend your aquatic therapy, you must receive it at a Medicare-approved facility, and the physical therapist has to accept Medicare.

Medicare has specific guidelines for the facilities you can receive therapy in. These include:

  • Your therapist’s or doctor’s office
  • A comprehensive outpatient rehabilitation facility
  • A skill nursing facility as long as you’re in outpatient care

Your aquatic therapy can occur in a public pool, but it must be used solely for treatment during your appointment. Aquatic therapy sessions tend to last between 30 and 45 minutes, and you can participate even if you don’t know how to swim.

Does Medicare pay for aquatic therapy?

Wondering, “How much does Medicare pay for physical therapy?” Like many other healthcare services, the price of your therapy depends on your insurance.

If you have Medicare Part B, you must meet your deductible, which is $203 as of 2021. That price is rising to $217 in 2021. You have to meet your deductible for each benefit period.

Keep in mind that many health services are free under Medicare, which means that they don’t contribute to your deductible. Once you’ve met your deductible, Medicare covers 80% of the cost of your therapy. The remaining bill is your responsibility to pay.

If you have Medicare Advantage, the price of your therapy will depend on the level of coverage you have. Medicare Advantage (or Medicare Part C) has to be at least as good as Original Medicare. That means that it will at least cover 80%.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption

What is aquatic therapy used for?

Physical therapy reduces and manages pain after an injury, surgery, or illness. Aquatic therapy is a gentler version of regular physical therapy. Since so many people need gentle physical therapy, aquatic therapy is covered by Medicare.

Doctors recommend aquatic therapy for people that can’t handle weight-bearing exercise. Doing physical activity in water reduces the strain on the body, which enables people to go through therapy easier.

The treatment of painful neuromuscular or musculoskeletal disorders often includes aquatic therapy. A person in physical therapy benefits from aquatic therapy because it reduces the pressure on joints and can help reduce inflammation.

Aquatic therapy gradually rebuilds muscle mass, increases endurance, and helps people regain their sense of balance. It’s also a great reintroduction to a healthy, active lifestyle.

Other people who benefit from aquatic therapy are people with arthritis, chronic pain, and orthopedic conditions. Aquatic therapy helps reduce stiffness and increases joint mobility.

Find the Right Coverage for Your Therapy

Aquatic therapy can help people with chronic pain, neuromuscular or musculoskeletal disorders, or people that need to regain muscle mass. Medicare Part B and Medicare Advantage can cover your aquatic therapy needs.

When does Medicare cover aquatic therapy? When you have the best rates possible, getting into aquatic therapy is easy. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption