Educational guidance with linked sources. Independent clinical review is pending. How information is reviewed.
Find Medicare counseling and official Medicaid help for your healthcare needs, including occupational therapy.
SHIP offers free, objective counseling for Medicare-eligible people and their families. The best fit depends on your providers, budget, medicines and care needs. Source: SHIP.
Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Part B is a Medicare benefit, not a separate private insurance plan to shop for. Medicare Advantage is another way to receive Part A and Part B benefits. Medigap supplements eligible out-of-pocket costs in Original Medicare; it cannot supplement Medicare Advantage. Source: Medicare coverage comparison.
For outpatient OT, Part B helps cover medically necessary services with required provider certification. Under Original Medicare, the usual share is 20% of the Medicare-approved amount after the Part B deductible; other coverage can change your costs. Source: Medicare outpatient OT coverage.
Get free, objective help comparing Medicare coverage, understanding benefits, enrollment and costs, and finding assistance.
Next step: Choose your state through Find Local Medicare Help or call the SHIP locator. Ask for a coverage review that includes your OT needs.
Cost: Free counseling. Insurance premiums and healthcare costs are separate.
SHIP National Technical Assistance Center · Reviewed September 11, 2026. Citation details
Contact Medicare for coverage questions and official help, with links to enrollment services, cost assistance and counseling.
Next step: Call 1-800-MEDICARE or use the official contact page. TTY: 1-877-486-2048.
Cost: No insurance counseling fee. Healthcare and plan costs vary.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
Compare provider access, costs, additional coverage and authorization rules before discussing choices with a counselor.
Next step: Review both approaches with SHIP, including your preferred OT providers and expected services.
Cost: Free online information. Premiums and service costs depend on coverage.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
Use the official plan comparison tool for Medicare Advantage and drug coverage options available where you live.
Next step: Enter your ZIP code on Medicare.gov. Review your prescriptions, providers and total costs with a counselor before enrolling.
Cost: Free comparison tool. Plan premiums and healthcare costs vary.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Individual plan results not reviewed. Citation details
Compare Medigap benefits that can help with certain out-of-pocket costs under Original Medicare. Medigap is different from Medicare Advantage.
Next step: Compare benefits, then ask SHIP about eligibility, underwriting, premiums and the policies available in your state.
Cost: Free information. Medigap policies have separate premiums.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
Learn about state Medicare Savings Programs that may help pay Part B premiums and, for some eligible people, other Medicare costs.
Next step: Ask SHIP or your state Medicaid office to check Medicare Savings Program eligibility and help with the application.
Cost: Free information. Assistance depends on program eligibility.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
Part B helps cover medically necessary outpatient occupational therapy when a doctor or other qualifying healthcare provider certifies the need.
Next step: Ask the OT provider about Medicare participation, your expected costs and any plan authorization requirements.
Cost: With Original Medicare, after the Part B deductible, you generally pay 20% of the Medicare-approved amount. Other coverage may change what you owe.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
Find local suppliers for equipment such as walkers, wheelchairs, commode chairs and hospital beds. Search by ZIP code and equipment using Medicare’s national directory.
Find medical equipment suppliers near me · Find and save DME resources
Medicare Part B covers eligible, medically necessary DME ordered for use at home. Under Original Medicare, if the supplier accepts assignment, you generally pay 20% of the Medicare-approved amount after the Part B deductible. Rental and purchase rules depend on the equipment. Source: Medicare DME coverage.
For Medicaid or Medicare Advantage, confirm participating suppliers directly with your state program or plan. Find Medicaid help. Ask your OT or prescribing clinician about equipment fit for your needs.
Sources reviewed September 11, 2026. Directory access is nationwide; individual shops, inventory and insurance acceptance have not been verified. Supplier directory citation · Coverage citation.
Medicaid is a separate program from Medicare. Your state determines eligibility and administers benefits within federal guidelines. Start with your state agency for current application and renewal requirements.
Find my state Medicaid or CHIP office
Find official state contacts for applications, eligibility, renewals, coverage questions and help locating participating providers.
Who it helps: Eligibility and application requirements vary by state and program.
Next step: Choose your state in the official directory. Ask about applying, renewing coverage and finding an OT provider.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
States administer Medicaid within federal guidelines. Occupational therapy is an optional state-plan benefit; coverage and limits can vary, with additional protections for eligible people under 21.
Who it helps: Coverage depends on your state, age, eligibility and applicable program requirements.
Next step: Ask your state agency or Medicaid plan about OT coverage, provider networks, referrals and authorization.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
EPSDT provides screening and treatment benefits for Medicaid enrollees under 21. It includes medically necessary, federally coverable services to correct or reduce health conditions, even when absent from the state plan.
Who it helps: Medicaid enrollees under age 21; medical necessity is determined individually. The Adult filter applies only to ages 18–20 for this resource.
Next step: Ask your child’s clinician and Medicaid plan about EPSDT and medically necessary OT services.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
People eligible for both programs may receive help with Medicare costs and additional services. The help available depends on the level of Medicaid coverage.
Who it helps: Your state determines Medicaid eligibility. Having Medicare alone does not establish eligibility for Medicaid.
Next step: Ask SHIP and your state Medicaid office how your benefits coordinate and what costs or services may be covered.
Centers for Medicare & Medicaid Services · Reviewed September 11, 2026. Citation details
Bring your current coverage details, provider names, prescriptions and questions directly to your counselor. These are preparation prompts, not a plan ranking or enrollment recommendation.
Find and save these Medicare resources · Build my next-step plan
Information reviewed September 11, 2026. Confirm current benefits, provider networks, costs and enrollment rights with the official program and your counselor. OT Oraculum does not sell insurance or enroll you in a plan.