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Does Medicare Cover Mental Therapy? Understanding Your Options

Does Medicare Cover Mental Therapy? Understanding Your Options

As we age, our mental health becomes just as important as our physical health. Unfortunately, many seniors struggle to access the mental health services they need due to financial barriers. If you’re a Medicare beneficiary, you may be wondering if your plan covers mental therapy.

The answer is yes! Medicare does cover mental therapy, but the extent of coverage depends on your specific plan. Here’s what you need to know:

Original Medicare Coverage for Mental Therapy

Original Medicare (Part A and Part B) covers mental health services, including therapy, as long as they are deemed medically necessary. This means that your doctor must determine that the therapy is necessary to diagnose or treat a mental health condition.

Under Original Medicare, you’ll typically pay 20% of the Medicare-approved amount for mental health services after you meet your Part B deductible. However, if you receive services from a mental health provider who doesn’t accept Medicare assignment, you may be responsible for additional costs.

Medicare Advantage Coverage for Mental Therapy

If you have a Medicare Advantage plan, your coverage for mental therapy may vary depending on the plan. Many Medicare Advantage plans offer additional benefits beyond what Original Medicare covers, such as coverage for prescription drugs, vision, and dental care. Some plans may also offer more comprehensive coverage for mental health services, including therapy.

It’s important to review your plan’s coverage details to understand what mental health services are covered and what your out-of-pocket costs may be.

Getting Mental Therapy at Nao Medical

At Nao Medical, we understand the importance of affordable and accessible mental health services. That’s why we offer a range of mental health services, including therapy, to Medicare beneficiaries in NYC.

Our team of experienced mental health professionals is dedicated to providing compassionate and personalized care to help you manage your mental health concerns. We offer same-day appointments, minimal wait times, and a comprehensive app to make accessing care as easy as possible.

If you’re a Medicare beneficiary in NYC and are looking for high-quality mental health services, contact Nao Medical today to schedule an appointment.

FAQs

What mental health services does Medicare cover?

  • Outpatient mental health services
  • Partial hospitalization for mental health
  • Inpatient psychiatric hospitalization
  • Annual depression screening
  • Diagnostic tests
  • Psychotherapy
  • Family counseling (if it’s part of your treatment)

What is the Medicare Part B deductible for 2021?

The Medicare Part B deductible for 2021 is $203.

Does Medicare cover therapy for anxiety?

Yes, Medicare covers therapy for anxiety as long as it is deemed medically necessary by your doctor.

Conclusion

Medicare does cover mental therapy, but the extent of coverage depends on your specific plan. If you’re a Medicare beneficiary in NYC and are looking for affordable and high-quality mental health services, Nao Medical is here to help. Contact us today to schedule an appointment and take the first step towards better mental health.

Learn more about our mental health services.

Sources: Medicare.gov, Medicare.gov, Medicare.gov, Medicare.gov

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Disclaimer: The information presented in this article is intended for general informational purposes only and should not be considered, construed or interpreted as legal or professional advice, guidance or opinion.

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