Medicare Mental Health Insurance

Does Medicare Cover Mental Health Treatment?

Medicare Part A covers mental health hospitalization, and Medicare Part B provides for mental health treatment. Also, Medicare Part D includes prescription drugs like antidepressants, antipsychotics, and anticonvulsants. For full coverage, you must work with Medicare-approved providers.

Because mental health treatment is a Medicare-approved condition, both Medicare Advantage (Medicare Part C) and Medicare supplements also provide coverage.

What Does Medicare Part A Cover?

If you are hospitalized for inpatient mental health care, Medicare Part A includes the costs of your room, meals, nurses, and other hospital supplies. You can use Medicare Part A for treatment at a general hospital or a specialized psychiatric facility. Medicare part A limits inpatient care to a 190-day lifetime limit.

Because Medicare Part A has a deductible and coinsurance requirements, you would pay for part of the treatment out of pocket:

  • Deductible of $1,408 for each benefit period
  • Day 1-60 is fully covered by Medicare Part A
  • Days 61-90, you pay $352 per day coinsurance
  • After day 90, your lifetime reserve days begin. You pay $704 coinsurance per day until your lifetime reserve runs out.
  • Deductible and coinsurance amounts vary depending on the year

What Does Medicare Part B Cover?

Medicare Part B medical insurance covers doctors' services while hospitalized and outpatient care like psychologists and social workers.

Medicare Part B includes the following when approved by Medicare:

  • Psychotherapy sessions & family counseling
  • Psychiatric evaluation
  • Annual depression screenings
  • Doctor-ordered tests
  • Medication management
  • Outpatient psychiatric services via
  • A one-time "Welcome to Medicare" preventive visit
  • A yearly "Wellness" visit to talk with your doctor

Medicare Part B allows you to seek treatment from a doctor's or other health care provider's office, a hospital outpatient department, or a community mental health center.

When using Medicare Part B for Medicare-approved services, you should expect to pay:

  • $198 Medicare Part B deductible
  • 20% of provider service charges
  • Copayments or coinsurance for treatment

Medicare Part B also covers mental health treatment from Medicare-approved:

  • Clinical psychologists
  • Psychiatrists or other types of licensed physicians
  • Nurse practitioners
  • Clinical social workers
  • Physician assistants
  • Clinical nurse specialists

Make sure your provider accepts Medicare assignment for payment.

Does Medicare Pay for Mental Health Drugs?

Medicare Part D covers prescription drugs. If you have Original Medicare, you enroll in Plan D separately. Always check with your Part D plan to find out which medications they cover. In general, they include almost all antidepressants, antipsychotics, and anticonvulsants.

Medicare Part D is separate from Medicare Part A and Part B. You must purchase it in parallel with Original Medicare and Medicare supplements.

However, if you have a Medicare Advantage plan, it probably includes prescription drug coverage.

What Does Medicare Part C Cover?

Medicare Part C is also known as Medicare Advantage. Many seniors opt for a Medicare Advantage plan, which replaces Original Medicare parts A and B, and often includes Part D for drug coverage. Also, Medicare Advantage frequently includes additional benefits that Original Medicare does not.

Medicare Advantage plans are not sold through the government. Medicare-approved private insurance companies manage these plans

Medicare Advantage insurance covers everything Medicare Parts A and B include and may have lower deductibles and coinsurance than Original Medicare. Some plans even offer coverage for $0/month premium.

Where Can I Get a Medicare Coverage that Includes Mental Health Services?

AARDY is the nation's fastest Medicare insurance marketplace. We can help you find the best Medicare plan that includes Mental Health insurance. Our service compares Medicare supplements and Medicare Advantage plans so you can find the best one for your needs.


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