Medicare And Your Mental Health Benefits
Medicare coverage and benefit information for mental health.
Medicare & YourMental Health Benefits
Talk to your doctor or healthcare provider if you have the following symptoms:
• Thoughts of ending your life
• Sad, empty, or hopeless feelings
• A lack of energy
• Trouble concentrating
• Trouble sleeping
• Little interest in things you used to enjoy
• Weight loss or loss of appetite
• Increased use of alcohol or other drugs
Medicare Part A (Hospital Insurance) helps pay for mental health care if you’re an inpatient in a general or psychiatric hospital. Part A covers the following:
a) Your Room
c) Nursing Care
d) Other Related Services & Supplies
If you’re in a psychiatric hospital (instead of a general hospital), Part A only pays for up to 190 days of inpatient psychiatric hospital services during your lifetime. Medicare Part B (Medical Insurance) helps cover mental health services provided by doctors and other health care professionals if you’re admitted as a hospital inpatient.
What do I pay?
For inpatient mental health services, you pay:
• A one-time hospital deductible for each benefit period
• Days 1-60: no coinsurance amount for each benefit period
• Days 61-90: a coinsurance amount per day of each benefit period
• Days 91 and beyond: a coinsurance amount for each “lifetime reserve day” after day 90 of each benefit period (up to 60 days over your lifetime)