Original Medicare, which includes Part A and Part B, provides coverage for a variety of mental health services. This includes inpatient care for serious mental health conditions, outpatient therapy sessions, and partial hospitalization programs designed to support individuals who need more intensive treatment without staying overnight. Beyond Original Medicare, other plans can enhance this coverage.
Medicare Advantage (Part C) plans often include additional mental health benefits, while Part D prescription drug plans help cover medications for mental health conditions. Additionally, Medicare supplemental insurance, commonly known as Medigap, can help pay for out-of-pocket costs associated with mental health care. Together, these options give beneficiaries a range of resources to address their mental well-being.
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What Parts of Medicare Cover Mental Health Services?
The type of mental health care you need determines which part of Medicare covers it.
Medicare Part A and Mental Health Care
Part A covers mental health services when you’re admitted to a hospital, making it essential for emergencies or serious conditions. Coverage includes:
- Standard nursing care
- Inpatient therapy
- Lab testing and certain medications
Medicare Part B and Mental Health Care
Part B covers outpatient mental health services, including ongoing therapy and intensive outpatient programs. Eligible costs include:
- General and specialized counseling
- Psychiatry appointments
- Clinical social worker appointments
- Diagnostic lab testing
- Specific medications
- Partial hospitalization (intensive outpatient care), including treatment for substance use disorders
Part B also provides one annual depression screening, with coverage for follow-ups or referrals to other mental health specialists.
- Other Medicare Plans and Mental Health Care
Additional coverage may be available through: - Medigap (Medicare Supplement Insurance): Works with Original Medicare to cover some out-of-pocket costs, such as coinsurance and deductibles for inpatient or outpatient care.
- Medicare Advantage (Part C): Includes all Part A and Part B benefits, often with prescription drug coverage and extra perks.
- Part D Prescription Drug Plans: Helps cover essential mental health medications like antidepressants, antipsychotics, antianxiety medications, and mood stabilizers.
How Much Does Inpatient Mental Health Treatment Cost with Medicare?
To receive coverage for inpatient mental health treatment at a general or psychiatric hospital, you must have Medicare Part A. Medicare generally covers most inpatient services, but you may still have some out-of-pocket costs depending on your plan and the length of your stay.
2025 Basic Costs for Part A:
- Premium: $285 to $518 (if applicable)
- Deductible: $1,676 per benefit period
- Coinsurance:
- 20% of some Medicare-approved costs during the stay
- $419 per day for days 61–90 of an inpatient admission
- $838 per day for days 91–150 while using 60 lifetime reserve days
- 100% of costs for days 151+
Important Note:
While there’s no limit to inpatient care in a general hospital, Part A covers up to 190 days in a psychiatric hospital.
How Much Does Outpatient Mental Health Treatment Cost with Medicare?
To receive coverage for outpatient mental health treatment, partial hospitalization, or annual depression screenings, you must have Medicare Part B. Medicare typically covers most outpatient services, but certain financial obligations must be met before coverage begins.
2025 Basic Costs for Part B:
- Premium: $185 minimum, based on income
- Deductible: $257
- Coinsurance: 20% of all Medicare-approved costs during treatment
There is no limit to the frequency or number of outpatient mental health sessions covered by Medicare. However, because out-of-pocket costs may apply, it’s important to review your financial situation to determine how often you can access care.
Medicare-Approved Mental Health Professionals:
- Psychiatrist
- Primary care doctor
- Clinical psychologist, social worker, or nurse specialist
- Nurse practitioner
- Physician assistant
- Marriage and family therapist
- Mental health counselor
If you’re unsure which specialist to see, consult a primary care provider for guidance on the best mental health professional for your needs.
Frequently Asked Questions
How much does inpatient mental health treatment cost with Medicare?
Costs vary by length of stay and plan. In 2025, deductibles, coinsurance, and premiums apply. Part A covers up to 190 days in a psychiatric hospital.
How much does outpatient mental health treatment cost with Medicare?
Part B covers most outpatient services. Costs include a premium ($185+), deductible ($257), and 20% coinsurance. There’s no limit to covered sessions.
Who can provide Medicare-approved mental health care?
Psychiatrists, primary care doctors, clinical psychologists, social workers, nurse specialists, nurse practitioners, physician assistants, marriage and family therapists, and mental health counselors.
Does Medicare cover medications for mental health conditions?
Yes, Part D plans help cover antidepressants, antipsychotics, antianxiety medications, mood stabilizers, and other medically necessary prescriptions.
Are annual depression screenings covered by Medicare?
Yes, Part B covers one depression screening per year, including follow-up appointments if needed.
Conclusion
Medicare provides comprehensive support for mental health care through its various parts. Part A covers inpatient treatment, while Part B supports outpatient care, partial hospitalization, and annual depression screenings. Additional plans like Medicare Advantage (Part C), Part D, and Medigap can help cover medications and out-of-pocket costs, giving beneficiaries more flexibility and access to care. Understanding which services are covered and the associated costs can help you make informed decisions about your mental health care.
