Medicare Physical Therapy in Louisville, KY
Accepting Original Medicare Part B | Kentucky Direct Access, No Referral Required | One-on-One Care
Clear Coverage. One-on-One Care. No Guesswork.
Navigating Medicare shouldn't get in the way of feeling better. At ProActive Physical Therapy and Wellness, we accept Original Medicare Part B and work with you to understand your coverage before you ever start care. Every session is one-on-one, guided by a licensed physical therapist, and built around safer movement, less pain, and more confidence in daily life.
Have a different Medicare plan or aren't sure what you have? Call us. We'll confirm exactly what your coverage looks like and explain your options in plain language before you commit to anything.
Talk to us first — complimentary, no pressure, no obligation.
Prefer to text or email instead? Same number: (502) 512-2165.
What Does Medicare Cover for Physical Therapy in 2026?
Original Medicare Part B covers outpatient physical therapy when it's medically necessary — meaning it helps you improve function, regain strength, or safely maintain your current level of movement. For 2026, the annual Part B deductible is $283. Once that's met, Medicare typically pays 80 percent of the Medicare-approved amount for each covered visit, and you're responsible for the remaining 20 percent unless you have a Medigap supplement policy.
There is no hard visit limit, but Medicare does track a documentation threshold. For 2026, that threshold is $2,480 combined for physical therapy and speech-language therapy. Once your care reaches that amount, your therapist adds a billing modifier (called the KX modifier) confirming that continued treatment is still medically necessary — it's a paperwork checkpoint, not a stop sign. A smaller share of claims above $3,000 may also be flagged for additional medical review. Either way, your therapist documents your progress and reassesses your plan on a regular schedule throughout care.
Original Medicare Physical Therapy — What This Means Here
This is:
- One-on-one outpatient physical therapy billed to Original Medicare Part B
- Direct access in Kentucky — no physician referral required to start
- Medically necessary care, documented and reassessed on a regular schedule
- Coordinated with your physician whenever needed
This is not:
- A one-size-fits-all authorization — every plan is a little different, which is why we verify your specific benefits before you begin
- Unlimited visits without documentation — Medicare requires ongoing proof of medical necessity as care continues
- The same as our private-pay wellness programs, like the Osteogenic Strength Program, which begin once your PT episode of care is complete
What to Expect at Your First Visit
- Conversation and review: we listen to your story, review your medications and history, and clarify your goals.
- Movement check: gentle tests for strength, balance, flexibility, and gait.
- Personal plan: a clear plan with exercises and activities tailored to your life, plus safety tips for home.
- Coverage clarity: we verify your benefits and explain costs before you continue.
Conditions We Treat Under Medicare
- Balance, dizziness, and fall prevention — strength, gait, and vestibular training
- Osteoporosis and osteopenia related movement concerns — bone-safe posture, hip and ankle strength
- Arthritis care — pain-modifying movement, joint protection, daily-life strategies
- Post-surgical rehab — total knee, shoulder, and spine replacements or repairs
- Neurologic rehab — post-stroke strategies, Parkinson's mobility, and neuropathy-related balance training
- General deconditioning — rebuilding strength, endurance, and confidence
What Happens After Your Medicare-Covered PT Ends?
Physical therapy is a defined episode of care — you work toward specific goals, and when you reach them, your formal treatment ends. That doesn't mean you're finished getting stronger. Many patients continue with ProActive's private-pay wellness programs, including the Osteogenic Strength Program and general wellness training, designed by Dr. Brandon Evans, PT, DPT, to build on the progress you made in PT.
These wellness programs are separate from Medicare-covered physical therapy — they're not billed to Medicare or insurance, and they're a next step you choose, not something added on to your PT plan of care.
Led by Dr. Brandon Evans, PT, DPT
Every plan of care at ProActive is overseen by Dr. Brandon Evans, PT, DPT, founder of ProActive Physical Therapy and Wellness. Our licensed physical therapists work one-on-one with each patient — no shared sessions, no rotating between multiple patients at once.
Visit Our Louisville Clinic
Serving Lyndon, St. Matthews, Hurstbourne, and the greater Louisville, KY area.
Frequently Asked Questions
Does ProActive accept Medicare for physical therapy in Louisville, KY?
Yes. We accept Original Medicare Part B for one-on-one outpatient physical therapy. If you have a different Medicare plan, call us and we'll walk through your specific coverage together before you start.
Do I need a doctor's referral for physical therapy in Kentucky?
No. Kentucky allows direct access to physical therapy, so you can schedule an evaluation without a referral. We coordinate with your physician as needed once care begins.
What will I pay out of pocket for physical therapy under Medicare in 2026?
For 2026, the Medicare Part B annual deductible is $283. Once that's met, Original Medicare typically pays 80 percent of the Medicare-approved amount for medically necessary physical therapy, and you're responsible for the remaining 20 percent unless you have a Medigap supplement. We verify your specific benefits before you start.
Is there a limit on how many physical therapy visits Medicare will cover?
Not a hard limit. Medicare tracks a documentation threshold — $2,480 for combined physical therapy and speech-language therapy in 2026 — after which your therapist adds a modifier confirming continued care is still medically necessary. It's a paperwork checkpoint, not a cutoff. Your therapist documents your progress and reassesses your plan regularly throughout care.
What conditions does Medicare typically cover physical therapy for?
Medically necessary physical therapy that helps you recover from surgery, regain strength, manage a fall risk or balance problem, or safely maintain function with a chronic condition. Your therapist documents medical necessity as part of every plan of care.
What happens after my Medicare-covered physical therapy ends?
Most patients reach a point where they've met their goals and their formal episode of care is complete. Many choose to continue building strength and independence through ProActive's private-pay wellness programs, including the Osteogenic Strength Program, designed by Dr. Brandon Evans, PT, DPT.
How do I find out exactly what my plan covers before I commit to anything?
Call or text us at (502) 512-2165. We verify your specific benefits and explain any costs in plain language before you start care — no surprises.
How do I get started?
Call or text (502) 512-2165, request an evaluation online, or email info@proactiveptlou.com. We'll talk through your goals, confirm your coverage, and get you scheduled.
Talk to us first — complimentary, no pressure, no obligation.
Prefer to text or email instead? Same number: (502) 512-2165.
Sources
Centers for Medicare and Medicaid Services. CY 2026 Medicare Physician Fee Schedule Final Rule — Therapy Services and KX Modifier Threshold Amounts. cms.gov/medicare/coding-billing/therapy-services
Medicare Program; Medicare Part B Monthly Actuarial Rates, Premium Rates, and Annual Deductible Beginning January 1, 2026. Federal Register, November 19, 2025.
