Medicare recipients with mental health issues, such as anxiety or depression, may benefit greatly from access to mental health services. According to the WHO, approximately 15% of adults aged 60+ suffer from a mental health disorder. Nearly 7% of the disabled population is 60 and up, and they are all due to mental health conditions. Perhaps you are a Medicare patient who has wondered if you will be financially responsible for any of their mental health care needs. Medicare coverage for mental health includes inpatient and outpatient mental health therapies and partial hospitalization.

Learn more about the Medicare mental health coverage you may expect, the Medicare plans that are ideal for mental health coverage, and when to seek assistance for mental illness.

Symptoms of Depression

Depression is the world’s leading cause of disability, affecting one adult out of six. Knowing the signs of depression and when to get help is essential. Also, there are many different symptoms of depression, like:

  • Feelings of guilt or despair 
  • Loss of interest in daily life activities 
  • Weight change 
  • Being less active
  • Sleeping problems 
  • Feeling exhausted 
  • Trouble in concentrating 
  • Thinking about suicide

Medicare Coverage For Mental Health

Coverage for mental health services is provided primarily via Medicare Parts A and B. Here; we will examine the specifics of what is dealt with in each section.

Medicare Part A

Hospitalization-related mental health services are covered by Medicare Part A. People experiencing severe mental health crises who pose a threat to themselves or others need this kind of help immediately.

Medicare Part A includes hospitalization expenses. Part A is useful for, among other things:

  • Nursing care standards
  • Inpatient treatment
  • Laboratory tests and some medicines

Medicare Part B

Outpatient mental health therapies, such as intensive outpatient programs and yearly depression testing, are covered by Medicare Part B. Anyone who requires consistent mental health care would benefit from this kind of treatment.

Advantages of Medicare Part B include:

  • Appointments for general and specialized counseling
  • Psychiatric consultations
  • Appointments with a clinical social worker
  • Diagnostic lab tests
  • Certain medicines

Partial hospitalization programs offer rigorous outpatient therapy and are often used to treat substance abuse disorders.

Medicare Part B pays for one annual screening for depression and any necessary follow-up visits or referrals to other mental health professionals.

Other Medicare parts

Parts A and B of Medicare cover the majority of your mental health requirements, but you can obtain additional coverage by enrolling in one of the following Medicare plans:

Medicare Part C

Part C of Medicare immediately extends protection to the whole scope of Medicare, including Parts A and B, as well as prescription medications and several other services.

Medicare Part D

Some of your mental health medications, such as antidepressants, antianxiety drugs, antipsychotics, mood stabilizers, etc., may be covered by Medicare Part D.


Regarding inpatient or outpatient care, Medigap can assist cover costs like copayments and deductibles that traditional health insurance might leave you out of pocket.

Bottom Line

To sum up, many mental health care forms are included in Medicare coverage. Most hospital stays are covered by Part A, while doctor’s appointments and some prescriptions fall within Part B’s purview.

Prescription drugs for mental health and wellness are typically covered under Part D to a greater extent than other parts of health insurance.

Medicare Part A & B will be included in Medicare Advantage, and additional coverage choices may also be available. Moreover, Medicare Part B (Medical Insurance) covers one depression screening per year. Talk to your doctor about getting a depression screening if you experience any of these symptoms. If your doctor accepts the assignment, you pay nothing. On NewMedicare, you get the care you require, and it also covers mental health services.