Medicare Mental Health

A distressed prospective client told me that Medicare did not cover mental health treatment.  I stammered a bit because the subject had never come up before,  and I was surprised.  I said that it did.  She had read that it only covered a one time welcome visit to Medicare.  I then showed her in the Medicare & You Handbook on pages 40 and 59 where it detailed the coverage.  There is the welcome to Medicare screening, an annual screening, and complete medical coverage.  She was surprised and relieved there was Medicare mental health care.

Seniors Need Mental Health Care

Mental health is a serious problem in society, and it is growing among seniors.  The World Health Organization documents how important among seniors this issue is.   Depression is under reported, little recognized, and often an untreated illness; but Medicare mental health cares for beneficiaries with mental health concerns, like depression.  It probably does it better than most employer plans do.

Medicare Mental Health Part A

Medicare Part A deals with the hospital.  The same rules around hospital deductibles and co-insurance apply to psychiatric hospitals as to other hospitals.  There is, however, one difference.  Medicare only allows a lifetime amount of 190 days for  a stand alone psychiatric hospitals.

Medicare Mental Health Part B

Medicare Part B covers psychiatrists, counselors, treatment groups.  Again the same 20% co-insurance applies as to any other Part B doctor visit.  If you have a long standing relationship with a psychologists before Medicare, you may keep that relationship going after you go on Medicare if the medical professional takes assignment for Medicare.

Medicare Supplements will cover Medicare mental health issues and professionals the same as other fees in accordance with your particular Medicare supplement plan.  Medicare Advantage will have the same co-pays for psychiatrists and psychologists as for other specialists.

No need to be stressed or depressed about Medicare mental health.  You are covered.

What Our Clients Are Saying About Omaha Insurance Solutions

Doug & Vicki K.

Chris does an excellent job of listening to your needs. He uses that information to help you choose the best plan out of many options. Very happy for all his help.

Tony A.

My wife Maria and I would like to thank you and Angie for helping us with all our different options with medicare supplemental policies. We appreciated how you spelled everything out. With your help, we feel we have chosen the right policy for all our needs moving forward. We will recommend your company to others. Thank you again.

Tom & Suzi F.

My wife and I were so very impressed with Chris and his ability to explain Medicare and the various options available patiently. Chris is very knowledgeable, and experienced, plus he is an absolute pleasure to work with. With his assistance, we now feel confident about our coverage decisions. We would highly recommend visiting with Chris as a critical first step in moving to Medicare.