Does Medicare Cover Psychiatric Care?

There are many reasons why you may reach out for psychiatric help. As described by the American Psychiatric Association (APA), you may have problems that are:

  • Sudden: panic attack, scary hallucinations, suicidal thoughts or inner voices
  • Chronic or long-term: hopelessness, sadness, or anxiety leading to an inability to function

Medicare Benefits Solutions

Nov 19, 2021

timer 3 minutes read

Regardless of the reason, be assured that Medicare coverage includes extensive mental health care services. If you are experiencing any mental health concerns, please contact your doctor.

Medicare Part A inpatient psychiatric care

Part A covers inpatient services in hospitals, rehabilitation facilities and psychiatric facilities. Mental health care can be provided in a general hospital or a hospital exclusive to people who have mental health conditions. Inpatient psychiatric care provided in a free-standing psychiatric hospital has a lifetime limitation of 190 days.

The following is an overview of what is and is not covered under Part A inpatient care.

Covered:

  • Semi-private room
  • Meals
  • General nursing
  • Drugs

Not covered:

  • Private room, unless medically necessary
  • Private-duty nurses
  • Charges for in-room television or telephone
  • Personal care products

Your costs:

  • Part A deductible ($1,484 in 2021) for each benefit period
  • Coinsurance if your stay exceeds 60 days
  • 20% of the Medicare-approved amount for the health care providers (covered under Part B)

Unlike Medicare Part B, which has an annual deductible, the Part A deductible is due for each benefit period. A benefit period:

  • Begins on the day of your admittance
  • Ends after you have gone at least 60 consecutive days without inpatient care
  • Is unlimited and requires a deductible each time a new benefit period begins

Medicare Part B outpatient psychiatric care

Medicare Part B covers your doctor’s medically necessary services in and out of the hospital, outpatient care, mental health care and other medical services.

Outpatient mental health care under Medicare Part B helps to treat conditions like depression and anxiety. Outpatient settings include a doctor’s office and hospital outpatient center. Your health care visit can be with a psychiatrist, clinical psychologist, nurse practitioner, clinical nurse specialist, physician assistant or clinical social worker.

Medicare Part B mental health care benefits include:

  • Psychotherapy (individual or group)
  • Family counseling
  • Testing to validate your treatment
  • Psychiatric evaluation
  • Medication management
  • Prescription drugs covered under Medicare Part B (not self-administered drugs)
  • Diagnostic tests
  • Partial Hospitalization Program – an intense, structured outpatient psychiatric program delivered in a doctor’s practice or therapists’ office, not requiring an overnight stay

Your Medicare Part B costs:

  • 20% of the Medicare-approved amount
  • Part B deductible ($203 in 2021)
  • Additional coinsurance or copayment to the hospital outpatient facility

If you have Medicare Part B benefits, you are also eligible for an annual depression screening. If your health care provider accepts assignment, you do not have to pay anything for this service. Be sure to use Medicare-participating doctors who accept direct payment from Medicare as payment in full. 

Find a new plan

Get recommendations based on what's important to you, and compare them to your existing plan.

Resources

References for mental health services include:

  • American Psychiatric Association (APA)
  • National Suicide Prevention Lifeline: 1-800-273-8255 (TTY: 1-800-799-4889)
  • Substance Abuse and Mental Health Services Administration (SAMHSA) national helpline: 1-800-662-4357

SELECT * from wp_posts p INNER JOIN wp_term_relationships tr ON tr.object_id = p.ID INNER JOIN wp_terms tm ON tm.term_id = tr.term_taxonomy_id INNER JOIN wp_term_taxonomy tx ON tx.term_id = tr.term_taxonomy_id where p.post_type='post' and p.post_status='publish' and tx.taxonomy ='category' and tm.term_id in (22) and p.ID NOT IN (1764) group by p.ID ORDER BY p.post_date DESC LIMIT 9

Find a new Medicare plan

Get a plan recommendation based on what's important to you.

Got questions?

Call a licensed sales agent at

866-576-2956
or TTY 711

Mon to Fri 5 am - 8 pm PT | Sat 5 am - 5 pm PT | Sun closed

Send us a message

We aim to reply within 24 hours.



    Medicare Benefits Solutions is a non-government website. By submitting information on this site, I am providing my written consent for Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by HealthCompare Insurance Services Inc., its agents, or affiliates to contact me (even if I’m on a state or national do not call registry) at the phone number or email address listed to provide me with quotes or information about Medicare products. I further consent to such calls or texts sent via autodialer, automated technology, prerecorded message and/or artificial voice. I understand my consent is not a condition of purchase and that I can revoke my consent at any time via medicarebenefits.com/about-us/contact-us. Additional charges may apply to SMS, call, or Internet usage depending on your data providers.

    Find a plan

    find a plan
    Get plan recommendations

    Compare your current Medicare plan to our recommendations – then choose the plan that gives you more of the things you want.