Does Medicare Cover Counseling? Guide to Coverage.

Part of getting the most out of your counseling requires having the right insurance. Here is everything you need to know about Medicare and counseling coverage.

30% of adult Americans suffer from anxiety, and 25% of American adults suffer from depression. Anxiety and depression are both mental health conditions. If you suffer from one of these or another disorder, you may need to seek counseling.

A mental health counselor can help you deal with the symptoms of your condition. Yet, when it comes to Medicare and counseling, understanding what’s covered can be challenging.

It would help if you didn’t have to live with mental health disorder symptoms, regardless of your health insurance. That’s why we want to help you navigate the world of counseling coverage while on Medicare. 

Are you ready to learn how to finally get the counseling services you need with the help of Medicare? Then keep reading for everything you need to know. 

Medicare and Counseling: Which Services are Covered?

You’re covered whether you have Original Medicare or a Medicare Advantage Plan for inpatient and outpatient counseling services. Keep reading for the details about what’s covered, what’s not, and what you can expect in out-of-pocket costs. 

Inpatient Services

Medicare Part A covers inpatient counseling services. Inpatient counseling services include mental health treatment you receive at a psychiatric hospital or a regular hospital. 

Keep in mind that Medicare will only cover 190 days of inpatient care over a lifetime of coverage. After you’ve used up these days, you may be able to receive additional inpatient care hours. 

Also, remember that Medicare still requires you to cover some of the costs of inpatient care. You must meet your deductible to receive coverage and, after 90 days, you have to pay coinsurance for the care you receive. 

Outpatient Services

Medicare Part B covers outpatient counseling services. Individual counseling, substance abuse treatment, and occupational therapy are all covered under Part B.

Other types of outpatient counseling covered by Medicare Part B include:

  • Art, dance, or music therapy
  • Family counseling
  • Psychological tests and lab tests
  • Prescription drugs a doctor must administer for you
  • Training on any medicines you must administer yourself
  • The annual depression screening

Depending on when you signed up for Medicare, you’ll have to pay a 20% coinsurance after meeting your deductible. There’s one exception to this: depression screening. Medicare fully covers depression screenings. 

By now, you may be wondering: what exactly is a counselor under Medicare Part B? A counselor is any health professional who provides mental health services. Psychiatrists, psychologists, social workers, specialized nurses, nurse practitioners, and even physician assistants are counselors under Medicare Part B. 

Enroll in a Medicare Advantage Plan Today

When it comes to Medicare and counseling, inpatient and outpatient services are covered. However, you’ll still have to meet your deductible before Medicare kicks in for either service. You’ll also have to pay coinsurance once you do meet your deductible.

Are you ready to enroll in Medicare to get coverage for the counseling services you receive? Then speak to a licensed insurance agent today to finally get the coverage you need!

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