Medicare

Medicare and Mental Health Benefits

Over 20% of adults aged 60 and over suffer from a mental or neurological disorder (excluding headache disorders) and 6.6% of all disability among people over 60 years is attributed to mental and neurological disorders. These disorders in older people account for 17.4% of Years Lived with Disability (YLDs).  Fortunately Medicare does offer multiple mental health benefits.

Mental health conditions, like depression or anxiety, can happen to anyone at any time. If you think you may have problems that affect your mental health, you can get help. Talk to your doctor or other health care provider if you have:

  • Thoughts of ending your life (like a fixation on death or suicidal thoughts or attempts)
  • Sad, empty, or hopeless feelings
  • Loss of self-worth (like worries about being a burden, feelings of worthlessness, or self-loathing)
  • Social withdrawal and isolation (like you don’t want to be with friends, engage in activities, or leave home)
  • Little interest in things you used to enjoy
  • A lack of energy
  • Trouble concentrating
  • Trouble sleeping (like difficulty falling asleep or staying asleep, oversleeping, or daytime sleepiness)
  • Weight loss or loss of appetite
  • Increased use of alcohol or other drugs

Medicare Part A (Hospital Insurance) helps cover mental health care if you’re a hospital inpatient. Part A covers your:

  • Room
  • Meals
  • Nursing care
  • Therapy or other treatment for your condition
  • Lab tests
  • Medications
  • Other related services and supplies
  • Medicare Part B (Medical Insurance) helps cover mental health services that you would get from a doctor and services that you generally get outside of a hospital, like:
  • Visits with a psychiatrist or other doctor
  • Visits with a clinical psychologist or clinical social worker
  • Lab tests ordered by your doctor

Medicare Part B (Medical Insurance) helps cover mental health services that you would get from a doctor and services that you generally get outside of a hospital, like:

  • Visits with a psychiatrist or other doctor
  • Visits with a clinical psychologist or clinical social worker
  • Lab tests ordered by your doctor

Your costs in Original Medicare

  • You pay nothing for your yearly depression screening if your doctor or health care provider accepts assignment.
  • 20% of the Medicare-approved amount for visits to your doctor or other health care provider to diagnose or treat your condition. The Part B deductible applies.
  • If you get your services in a hospital outpatient clinic or hospital outpatient department, you may have to pay an additional copay or coinsurance amount to the hospital.