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Portrait of a Young Doctor

Help with the Costs

If your health is being affected by a condition that can be treated with physiotherapy, then Medicare as well as private health insurance can help pay for the costs.

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Private Health Insurance

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Most private health insurance companies offer an extras policy that covers some out-of-hospital services that include physiotherapy costs up to an annual limit. Depending on your level of cover, a hospital policy may also cover physiotherapy costs that you incur while an admitted inpatient. Again, this must be within the limits of your individual policy.

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Talk with your insurer to find out the limits of your policy.

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Medicare

Physiotherapy is covered by Medicare provided it is a chronic and complex musculoskeletal condition that requires specific treatment and is included in a Patient Care Plan. Medicare will cover 85% of a service under the following conditions:

 

  • the person is referred to the eligible physiotherapist by a medical practitioner.

  • the person is not an admitted patient of a hospital.

  • the service is provided to the person individually and in person.

  • the service is of at least 20 minutes duration.

  • after the service, the eligible physiotherapist provides a written report to the referring medical practitioner.

  • a maximum of 5 services are allowed per calendar year

Talk with your GP to arrange an approved Care Plan, 

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