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A fall changes what your home actually needs, not what you assumed it needed before. An occupational therapist can walk through your house, room by room, and point out the specific hazards putting you at risk again, not a generic list from a pamphlet.
Medicare covers that visit. Depending on how you're recovering, it covers it one of two ways, with different costs and different rules for getting a doctor to order it. Here's how to ask for it before you pay a contractor to guess.
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Medicare covers this visit differently depending on your situation after the fall.
Leaving home takes real effort or help, and a doctor has already ordered home health services like nursing or physical therapy.
Interactive toolStart your own room-by-room list firstUse your I'm homebound and already getting home health care to decide which rooms to focus on before the therapist arrives.Show the toolHide the tool
Check the highest-risk rooms, note urgent fixes, and print a room-by-room list.
How Medicare Covers the Visit
Medicare covers occupational therapy two ways, and the difference matters for your wallet. If you're homebound and already receiving Medicare-certified home health care for something like nursing or physical therapy, occupational therapy can be added to that plan of care. Those home health visits are paid in full, with no deductible and no copay.
If you're not homebound, you can still get occupational therapy as an outpatient service, including a home visit some agencies offer. That path falls under Part B: you pay 20% of the Medicare-approved amount after you meet your Part B deductible, and there's no annual limit on medically necessary visits.
ChecklistConfirm which path applies to youOne phone call to your doctor's office can settle this before you schedule anything.Show the checklistHide the checklist
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Getting a Doctor to Order the Visit
Occupational therapy for a home safety evaluation needs a doctor's order, and it needs to name the actual goal instead of a general referral. Ask your doctor to write the order for a home safety assessment specifically, so the therapist has something concrete to evaluate against.
If you're already homebound and receiving home health care, occupational therapy usually can't open that episode on its own. It has to follow skilled nursing, physical therapy, or speech therapy that already qualified you for the home health benefit. Ask the agency coordinating your care to add occupational therapy to the existing plan.
TimelineRequest the visit in orderEach step sets up the one after it.Show the timelineHide the timeline
Ask for a written order for occupational therapy, specifically a home safety assessment.
Ask your doctor's office or home health agency which Medicare-certified provider will do the visit, and confirm they accept your Medicare coverage.
Use the home safety quick scan above so you can point the therapist to what worries you most.
If you want a plan for the days right after the fall itself, read Fall Recovery Home Setup Plan for Safer Weeks Ahead.
What the Therapist Actually Checks
An occupational therapist evaluates more than tripping hazards. Expect a look at lighting, stairs and railings, bathroom transfers, flooring, and whether your nightly routine, getting to the bathroom, reaching the medicine cabinet, sets you up to fall again.
The visit ends with a written plan, not just a verbal warning. Ask for it in writing so you have something concrete to act on, and something to hand a family member who's helping you follow through.
ChecklistBring these to the visitA short prep list keeps the hour focused.Show the checklistHide the checklist
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Turning the Plan Into Action
A written safety plan only helps if someone follows through on it. Some fixes, a night light, a shower chair, take a day. Others, a grab bar installed by a contractor, take longer and need scheduling.
Interactive toolSchedule who does what nextTurn the therapist's written plan into dated tasks so nothing sits for months.Show the toolHide the tool
Organize rides, meals, pickups, and check-ins with dates, helpers, and follow-up timing.
Save your plan
Save what you chose and checked here so you can follow through this week.
Common questions
Does Medicare pay for an occupational therapist to evaluate my home?
Yes, under two different paths. If you're homebound and already getting Medicare-certified home health care, occupational therapy can be added to that plan of care and is covered in full. If you're not homebound, you can get outpatient occupational therapy, including a home visit some agencies offer, and you'll pay 20% of the Medicare-approved amount after your Part B deductible.
How do I get a doctor to order a home safety evaluation?
Call your doctor's office and ask specifically for a written order for occupational therapy for a home safety assessment, not a general therapy referral. If you're already receiving home health care, ask the agency coordinating that care to add occupational therapy to your existing plan, since it usually can't start a home health episode on its own.
What does an occupational therapist actually check during a home safety visit?
Expect a look at lighting, stairs and railings, bathroom transfers, flooring, and daily routines like getting to the bathroom at night or reaching the medicine cabinet. The visit should end with a written plan you can act on, not just a verbal list of concerns.
