Medigap, also called Medicare Supplement Insurance, can pay most or all of what Original Medicare leaves you to pay for outpatient physical therapy: Plans A through G pay the full 20% Part B coinsurance, Plan K pays half and Plan L pays three quarters. Only Plans C and F also pay the Part B deductible, which is $283 in 2026, and they are not sold to people who were new to Medicare on or after January 1, 2020. Medigap pays only for therapy Medicare covers, and it does not work with Medicare Advantage.
Last reviewed By the Monon Therapy Collective editorial team
- Part B deductible (2026)
- $283
- Part B coinsurance
- 20% of the Medicare-approved amount
- Plans paying all coinsurance
- A, B, C, D, F, G, M and N
- Works with
- Original Medicare only
What part of a physical therapy bill does Medigap pay?
Medigap pays the share Original Medicare leaves to you, not the therapy itself. Medicare.gov describes Medigap as extra insurance from a private company that helps pay your out-of-pocket costs in Original Medicare, such as copayments, coinsurance and deductibles.
For outpatient physical therapy that share is the Part B deductible, then 20% of the Medicare-approved amount for each visit. Medicare decides whether the therapy is covered first; if it pays, your Medigap policy pays its part of the remainder. If Medicare denies a service, Medigap normally does not pay it either.
Which Medigap plans pay the 20% for physical therapy?
Most of them pay all of it. Medicare.gov’s plan comparison shows the Part B coinsurance paid in full by Plans A, B, C, D, F, G, M and N, at 50% by Plan K and at 75% by Plan L.
| Plan | Part B coinsurance (20%) | Part B deductible ($283 in 2026) |
|---|---|---|
| A, B, D, G, M | Pays 100% | Not covered |
| C and F | Pays 100% | Pays 100% (only for people who were already eligible for Medicare before January 1, 2020) |
| N | Pays 100%, with a copay of up to $20 for some office visits | Not covered |
| K | Pays 50% until the $8,000 out-of-pocket limit | Not covered |
| L | Pays 75% until the $4,000 out-of-pocket limit | Not covered |
| High-deductible F and G | Pays after you meet $2,950 in Medicare-covered costs | Counts toward the $2,950 |
What does a Medigap policyholder still pay for therapy?
Usually just the Part B deductible once a year, plus the monthly premiums. On Plan G, for example, you pay the $283 Part B deductible in 2026 and Plan G pays the 20% coinsurance on every covered visit after that, which makes a long course of physical therapy after a knee replacement far more predictable.
Plans K and L leave you a share until you reach their yearly out-of-pocket limits of $8,000 and $4,000 in 2026; after that they pay 100% of covered services for the rest of the year. Plan N may leave a copay of up to $20 for some office visits, so ask your insurer whether it applies to therapy visits.
Does Medicare’s therapy threshold change anything for Medigap?
Not the coverage, but it does add paperwork. Original Medicare has no visit cap, but once your combined physical therapy and speech-language pathology charges pass $2,480 in 2026 the therapist adds a KX modifier confirming the care is medically necessary, as explained in the answer on whether Medicare limits therapy visits.
As long as Medicare keeps paying, your Medigap plan keeps paying its share. A physician or qualified provider also has to certify the therapist’s plan of care, which the page on Medicare coverage for physical therapy covers in detail.
Can I use Medigap with a Medicare Advantage plan?
No. You must have Original Medicare, Part A and Part B, to buy a Medigap policy, and Medigap does not pay Medicare Advantage copays. If you are in an Advantage plan, the plan’s own rules apply, as explained on the page about Medicare Advantage and physical therapy.
Each Medigap policy covers one person, so spouses buy separate policies. Before booking, the matching team asks whether you have Original Medicare with a supplement or an Advantage plan, because that decides which therapists in the network can see you.
