Does Medicare Cover Mental Health Treatment?

More than 50% of people will be diagnosed with a mental illness at some point in their lives. Many people deal with mental illnesses without ever receiving a professional diagnosis. The most common mental health issues in the United States are anxiety and depression. Getting help for mental health issues is a big undertaking, and worrying about how to secure treatment can add even more stress to the situation. Medicare may be the solution. Learn more about Medicare and mental health treatment to understand what options are available.

Understanding Different Medicare Parts

Medicare covers various kinds of treatment, so it is essential to understand what is and is not covered. However, there are cases in which Medicare will help patients receive vital mental health support. Medicare consists of many different parts. The two parts that are most relevant when it comes to treatment are Medicare Parts A and B.

Medicare Part A deals with mental health treatment for inpatient hospital stays. When people are dealing with extreme health risks and safety risks, Medicare Part A may support them in receiving treatment. In such cases, people may be able to receive treatment at a facility while incurring a limited or no cost.

Medicare Part B deals with outpatient treatment for people struggling with mental health challenges. Coverage includes treatment for non-emergency mental health care treatment. For example, Medicare Part B covers a single screening for depression each year for eligible patients.

Although Medicare Parts A and B are the main ones that have to do with mental health treatment, the complete story is more complicated. Depending on your situation, it might be valuable to learn more about the other parts of Medicare.

Understanding the Cost of Medicare

Even if you qualify for Medicare support, you will have certain costs to take care of independently. Medicare Part A includes a premium so the exact cost will vary depending on the situation. The cost will generally be somewhere between $200 and $500.

Medicare Part A also includes a deductible, and there is no coinsurance cost for the first 60 days of treatment. However, coinsurance costs start to kick in after that. When it comes to Medicare Part B, you may or may not have a premium at all. There is also a deductible of about $200. After that, patients using Medicare Part B will have to pay 20% of their treatment costs.

Connecting Medicare and Psychiatry

Medicare can help people receive a wide variety of mental health treatments. In addition to Parts A and B, there is Medicare Part C. Everything included in Medicare Parts A and B is included in C, in addition to prescription drug support. You may also be eligible for treatment somewhat less standard for your mental health issues. Medicare Part D provides further stipulations that can support medication costs, among other things.

Lastly, the Medigap plan covers the cost of specific fees that may come up during inpatient or outpatient treatment. This plan can reduce the cost of your deductible and your coinsurance payments.

The Mental Health Benefits of Medicare

Not everyone eligible for treatment under Medicare receives it. If you have not yet received treatment and are eligible under Medicare, then it is worth checking if treatment will improve your quality of life. Sometimes, people learn techniques in therapy that they use for the rest of their lives. People often enjoy incredible improvements as soon as they receive the right care, whether that be therapy or medication.

Whatever your situation, treatment may be able to improve it. If you are eligible under Medicare, there are many mental health treatment options available to you.

Understand if Medicare Covers Mental Health Treatment

Medicare covers various mental health treatment options and may be helpful for you. Learning about your options may be the first step to finding treatment and improving your mental health. To learn more about where to find quality mental health care, reach out and get in touch with us here at any time!

Medically Reviewed: January 10, 2023

Dr Ashley

Medical Reviewer | CWC Recovery Staff

Clinical Team

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All of the information on this page has been reviewed and verified by a certified addiction professional.

Content on this page has been reviewed by CWC Medical Staff for accuracy.


All of the information on this page has been reviewed and verified by a certified addiction professional.

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