Quick Answer
Yes, Medicare covers mental health services, including therapy, counseling, and inpatient psychiatric care. Medicare Part B covers outpatient services, while Part A covers inpatient care. Additional costs depend on your plan.
Coverage Comparison by Plan Type
| Plan Type | Coverage | Notes |
|---|---|---|
| Original Medicare (Parts A & B) | Fully Covered | No health questions, no waiting periods, no denials based on health status |
| Medicare Advantage (Part C) | Fully Covered | Cannot deny enrollment or charge more for pre-existing conditions |
| Medigap (Medicare Supplement) | Covered During OEP | Guaranteed issue during 6-month OEP; underwriting applies outside OEP |
| Medicare Part D | Fully Covered | Cannot deny enrollment; formulary determines which drugs are covered |
Understanding Your Coverage Options
Original Medicare (Part a & B)
Original Medicare (Part A & B) provides coverage for this service when medically necessary. Standard cost-sharing (deductibles and coinsurance) may apply.
Medicare Advantage (Part C)
Some Medicare Advantage (Part C) plans may offer coverage for this service. Coverage varies by plan, so it's important to review your plan's Evidence of Coverage or speak with a licensed agent.
Medicare Supplement (Medigap)
Some Medicare Supplement (Medigap) plans may offer coverage for this service. Coverage varies by plan, so it's important to review your plan's Evidence of Coverage or speak with a licensed agent.
✦ Frequently Asked Questions
David Haass
AuthorDavid Haass is a licensed Medicare expert who has been helping beneficiaries navigate their Medicare options for over a decade.
Ashlee Zareczny
ReviewerAshlee Zareczny is a licensed Medicare agent dedicated to helping those eligible for Medicare find the best coverage options.