Does Medigap Plan F Cover Physical Therapy? 
MediGap Plan F policies are designed to pick up the 20 % that Medicare does n't cover in exchange for a monthly premium . The plans are standardized and are required to cover all of the approved services covered by Medicare Parts A & B. Physical Therapy is considered an outpatient rehabilitative service . This category is a Medicare covered benefit which includes Occupational Therapy , Physical Therapy , Speech and Language Therapy . 