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Make sure your mental health needs are covered.
SelectQuote’s licensed insurance agents can help you understand the coverage offered by Medicare plans. It’s a free service and there’s no obligation to enroll.
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Medicare Mental Health Therapy and Coverage
Does Medicare cover mental health therapy?
When it comes to Medicare mental health coverage, Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) will each cover different aspects of mental health therapy and hospitalization as long as both the outpatient treatment and inpatient care are done through Medicare-approved providers.
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Mental Health Costs Covered by Medicare Part A
Medicare Part A will cover your hospital stay for inpatient mental health care and take care of costs associated with your room, meals, nursing, and other related services and supplies. This care can be received in a general hospital or a psychiatric hospital. Note that there is a lifetime limit of 190 days of inpatient care in a psychiatric hospital. Below is a list of Medicare Part A costs and expenses for mental health care:
- You will owe the Medicare Part A deductible of $1,676 (2025 rate) each benefit period (begins admission day to 60 days since care ended)
- You will pay ZERO coinsurance for inpatient days 1-60
- You will pay $419 coinsurance/day (2025 rate) for days 61-90
- You will pay $838 coinsurance/“lifetime reserve day” (2025 rate) after the 90th day. Lifetime reserve days are when you remain an inpatient beyond the 90-day hospital stay that Medicare covers. Medicare pays for your covered costs, charging you a daily coinsurance amount, for up to 60 of these days in your lifetime.
- You will pay all costs after your lifetime reserve days are used up
Important: Medicare deductible and coinsurance amounts may vary from year to year.
Mental Health Costs Covered by Medicare Part B
In addition to Part A expenses, you may be required to pay certain expenses associated with Medicare Part B. This could include doctor services, even when you’re a hospital inpatient. Mental health services given outside the hospital—such as visits with doctors, clinical psychologists, and clinical social workers—are covered by Part B. Part B may cover services such as:
- Annual depression screenings (one free each year if administered by a Medicare-assigned healthcare provider)
- Certain doctor-ordered tests
- Psychiatric evaluation
- Medication management
- Approved psychotherapy sessions and family counseling
- Partial hospitalization (a structured program of outpatient psychiatric services as an alternative to inpatient mental health care)
- A one-time “Welcome to Medicare” preventive visit, including a review of your possible risk factors for depression
- A yearly “Wellness” visit to talk with your doctor or other healthcare provider about changes in your mental health so they can evaluate your changes year to year
Medicare Part B Costs and Expenses for Original Medicare Mental Healthcare:
- You will owe the Medicare Part B deductible of $257 (2025 rate)
- You will owe 20% of the Medicare-approved amount of healthcare provider services
- You will owe a possible additional copayment or coinsurance if you receive your services as a hospital outpatient (the amount you pay depends on the service provided, but is generally 20% of the Medicare-approved amount)
Important: Medicare deductible and coinsurance amounts may vary from year to year.
Approved Health Providers and Facilities for Part B Coverage
Part B covers mental health services and visits with these types of health professionals:
- Psychiatrist or other types of licensed physicians
- Clinical psychologist
- Clinical social worker
- Clinical nurse specialist
- Nurse practitioner (NP)
- Physician assistant (PA)
Important: Original Medicare only covers the visits when they’re provided by a health care provider who accepts Original Medicare. Part B covers outpatient mental health services, including services that are usually provided outside a hospital, such as:
- A doctor’s or other health care provider’s office
- A hospital outpatient department
- A community mental health center
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Mental Health Therapy and Medicare Advantage
If you’re enrolled in a Medicare Advantage plan—also known as Medicare Part C—you’ll still get the same coverage offered by Medicare Parts A and B. Medicare Advantage plans may also include possible additional routine benefits not included in Original Medicare. You still continue paying your Medicare Part B premium along with any premium the Medicare Advantage plan may charge.
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Does Medicare Part D pay for drugs used in mental health treatment?
Medicare Part D plans are required to cover nearly all drugs classified as antidepressants, antipsychotics, and anticonvulsants. If considering this option, be sure to check to see what drugs are included in the plan.
Enrollment in Medicare Part D is voluntary. Medicare Part D can be purchased alongside Original Medicare and Medicare Supplement Insurance plans.
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SelectQuote can help you better understand the Medicare plan benefits that may be available to you. It’s a free service and there’s no obligation to enroll.
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