The Complete Guide to Medicare Coverage of Mental Health Therapies and How You Can Save Money

If you’re struggling with mental health issues, it can be difficult to find the resources you need to get the help you need. That’s where Medicare coverage of mental health therapies comes in – though it may not be the first thing you think of when you’re trying to get your life back on track. In this guide, we’ll take you through everything you need to know about Medicare coverage of mental health therapies, and how you can save money on them by using our tips.

What are mental health therapies?

Mental health therapies are treatments used to improve mental well-being. They can help reduce symptoms of mental health disorders, such as anxiety, depression, post-traumatic stress disorder (PTSD), and bipolar disorder.
Medicare covers mental health therapies in two ways: as part of a comprehensive treatment plan for a specific mental health condition or as an add-on to other medical services.
How do I get Medicare to cover my mental health therapy?
There is no one answer to this question since each person’s situation is different. You can speak with your doctor to see if he or she is familiar with the coverage that Medicare has for mental health therapies. In some cases, your doctor may be able to refer you to a Medicare specialist who can help you understand your coverage and apply for benefits. Alternatively, you can contact the Mental Health Benefits Coordination Unit (MHBCU) at 1-866-653-4227 for assistance.
What are the benefits of Medicare coverage of mental health therapies?
The main benefits of Medicare coverage of mental health therapies include:

– Reduced costs associated with seeking treatment for mental health conditions, such as medication costs and out-of-pocket expenses

Types of mental health therapies

There are a variety of mental health therapies that can be covered by Medicare. Here are the most common:

-Psychotherapy: This is typically a one-on-one session with a therapist. It can help you work through personal issues and achieve better mental health.
-Group therapy: This is often more effective than individual therapy because it allows you to share your experiences with other people. It can help reduce anxiety and improve your overall stress levels.
-Medication: Many people find medication to be helpful in treating their mental health problems. There are different types of medications, and each person responds differently to them. Some common antidepressants and anti-anxiety medications are covered by Medicare.
-Occupational therapy: Occupational therapists help people who have mental health disorders restore or maintain their ability to function in everyday life. This includes tasks like dressing, grooming, cooking, etc.

How much does Medicare cover for mental health therapies?

Mental health therapies are increasingly being covered by Medicare, but there are ways to save money.

According to the Centers for Medicare and Medicaid Services (CMS), mental health therapies are now covered under Medicare Part B. However, the coverage is limited to specific types of therapy and has different rules for outpatient vs. inpatient care.

Outpatient therapy is typically covered if it is conducted at a facility that is not an outpatient surgical hospital or an intermediate care facilities for the mentally retarded. Inpatient therapy is only covered if it is an inpatient mental hospital or a psychiatric residential treatment center.

The cost of therapy can be expensive, but there are ways to reduce your out-of-pocket costs. For example, you can use Medicare’s co-payments and deductibles to help cover the cost of therapy. You can also find deals on therapy through online resources or by using a insurance broker.

How to find out if your therapy is covered by Medicare?

If you are covered by Medicare, you may be able to receive mental health therapies through the Medicare program. The Mental Health Services and Facilities Act of 1980 (MHSFA) recognizes that mental health is a “critical issue” and provides coverage for mental health services and facilities. This means that Medicare will pay for therapy provided by a qualified psychologist, psychiatrist, or social worker who is registered with the National Register of Mental Health Professionals. In order to find out if your therapy is covered, visit the Medicare website and enter your zip code. You will then be able to see a list of eligible therapists in your area. If you do not have insurance or cannot afford to pay for therapy, there are many charities that offer mental health services at no cost or at a reduced cost.

What to do if your therapy is not covered by Medicare

If your therapy is not covered by Medicare, you may be able to find a private or public insurer that will pay for it.

Below are some tips to help you find the coverage:

-Check with your insurance company to see if they offer any mental health treatment benefits. If they do, ask if they cover specific therapies.
-Talk to your therapist about whether they offer any discounts or reimbursement rates through their insurance company. Some therapists may be affiliated with a provider network that covers a large portion of their services.
-If your therapist is not affiliated with a provider network, ask them if they have any contacts or recommendations for other mental health therapists who may be able to provide coverage for your therapy. Many therapists are contracted with insurance companies and can refer their patients to other professionals who may be able to provide coverage.
-Check out online resources like Healthgrades and Therapedia lookup databases to see if there are any mental health therapies that are not currently covered by Medicare but may be eligible for coverage in the future. There is no guarantee that these therapies will be available at a cheaper rate through an insurance company, but checking into the options may give you some peace of mind.

How to save money on mental health therapies

Mental health is a major issue for many people, and treatments can be costly. Fortunately, there are many ways to save money on mental health therapies.

One way to save money on mental health therapies is to find a provider who already participates in Medicare. Many Medicare providers offer discounted rates for mental health treatments. You can also find mental health therapists who are contracted with Medicare and accept Medicaid or other government-funded programs as well.

If you are not eligible for Medicare or Medicaid, there are other ways to save money on mental health therapies. You can explore private payment options, such as paying out of pocket or using a sliding scale. You can also look into insurance coverage for mental health therapy. Many insurers offer limited benefits for mental health therapies, but you may be able to find a policy that covers specific types of therapy or a broader range of services.


Mental health is an important part of everyone’s life, and it can be difficult to find the resources you need to get the help you need. In this article, we will explore what mental health therapies are covered under Medicare, how much they cost, and some ways that you can save money on therapy without having to sacrifice quality. Hopefully, this guide will help you find the coverage you need and make sure your money is well spent.