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As we age, our mental health becomes just as important as our physical health. Unfortunately, many seniors struggle to afford the mental health services they need. This is where Medicare comes in. But does Medicare cover mental therapy?
The answer is yes, Medicare does cover mental therapy. However, there are some important things to keep in mind.
What Mental Health Services Does Medicare Cover?
- Outpatient mental health services
- Individual and group therapy
- Family counseling (if the main purpose is to help with your treatment)
- Psychiatric evaluation
- Medication management
It’s important to note that Medicare only covers mental health services that are deemed medically necessary. This means that the services must be needed to diagnose or treat a mental health condition. Additionally, Medicare only covers services provided by licensed mental health professionals who accept Medicare.
What Are My Out-Of-Pocket Costs?
While Medicare does cover mental therapy, you will still be responsible for some out-of-pocket costs. These costs include:
- A yearly deductible
- A 20% coinsurance for outpatient mental health services
- Any costs not covered by Medicare if you see a mental health professional who doesn’t accept Medicare
It’s important to note that some Medicare Advantage plans may offer additional mental health benefits with lower out-of-pocket costs. Be sure to check with your plan to see what’s covered.
Get Affordable and Quality Mental Health Services at Nao Medical
At Nao Medical, we understand the importance of affordable and quality mental health services. That’s why we offer a range of mental health services, including therapy and counseling, at an affordable price. Our team of licensed mental health professionals is dedicated to providing compassionate and effective care to our patients.
Don’t let cost be a barrier to your mental health. Book an appointment with Nao Medical today and take the first step towards better mental health.
Frequently Asked Questions
What is Medicare?
Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
What is the Medicare deductible for mental health services?
The Medicare deductible for mental health services is the same as the Part B deductible, which is $203 in 2021.
What is the coinsurance for outpatient mental health services?
The coinsurance for outpatient mental health services is 20% of the Medicare-approved amount.
Conclusion
Medicare does cover mental therapy, but there are some out-of-pocket costs to keep in mind. At Nao Medical, we offer affordable and quality mental health services to help you get the care you need. Book an appointment today and take the first step towards better mental health.
Learn more about our mental health servicesVisit the CDC’s mental health website
