Humana Coverage for Physical Therapy
Yes, Humana covers physical therapy across both Medicare Advantage and commercial plans.
Quick Facts
| Coverage Aspect | MA Plans | Commercial |
|---|---|---|
| Covered? | Yes | Yes |
| Visit Limits | Per Medicare ($2,330 cap) | Plan-specific |
| Prior Auth | May apply | Often required |
Medicare Advantage PT Benefits
Humana MA plans follow Medicare guidelines:
- Combined PT/speech therapy cap: $2,330 (2025)
- Medical necessity exceptions available
- 20% coinsurance typical
- Network restrictions apply
Commercial Plan Benefits
- Visit limits vary by plan (20-60/year)
- Prior authorization often required
- In-network providers save money
- Progress documentation important
What You’ll Pay
| Humana Plan | Typical Cost |
|---|---|
| MA HMO | $20-$40/visit |
| MA PPO | $25-$50/visit |
| Commercial | Varies by plan |