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coverage
How does TRICARE cover physical therapy?
Verified by TRICARE.com Editorial Team
Updated 2024-12-01
AI-assisted (gemini)
Quick Answer
TRICARE covers physical therapy when medically necessary. Outpatient PT may have visit limits, and authorization requirements vary by plan.
Key Takeaways
- Covered when medically necessary
- Visit limits may apply
- Network preferred
- Referral needed (Prime)
Detailed Answer
Physical therapy is covered with some limitations.
Coverage
- Outpatient PT covered
- Inpatient PT covered
- Occupational therapy covered
- Speech therapy covered
Prime
- Referral from PCM needed
- MTF PT available
- Network for referred care
- Standard copays
Select
- No referral needed
- Network preferred
- Cost shares apply
- Annual limits may apply
Limitations
- May have visit limits
- Medical necessity required
- Progress expected
- Authorization for extended
Getting Therapy
- Provider prescription
- Choose network therapist
- Set treatment goals
- Document progress