No matter your age, your mental health is an important thing to take care of. Read on to learn what mental health services are covered.
According to recent studies, close to 800 million people live with some sort of mental health condition. These numbers account for slightly less than 11% of the world’s population.
Since your mental health dictates a lot about your overall well-being, you should seek professional services whenever you need them. If you have senior health needs, you may be wondering if your Medicare plan covers mental health issues.
We answer those questions below so that you can get the care you need.
What Mental Health Services Does Medicare Cover?
So first off, does Medicare cover mental health assistance? Absolutely.
There are a number of mental health services covered under different Medicare plans, including the following:
1. Inpatient Mental Health Services
If you’re ever admitted to a hospital or mental health facility as an inpatient, these services are covered under your Medicare Part A plan. Under this original Medicare plan, you pay a deductible of just over $1,400 for inpatient services.
You also don’t owe any money in coinsurance for the first 60 days of your stay.
2. Outpatient Mental Health Services
You can also receive Medicare coverage for outpatient mental health services under the Part B plan. These visits include seeing a psychiatrist, individual and family therapy, mental health evaluations, and other such services.
When you go to therapy, you’ll experience long-term mental health benefits, relief from some physical symptoms triggered by stress, context and healing from past emotional traumas, and insight to your cognitive loops and behavioral traits.
Taking care of your mental health can build a strong roadmap that you use to navigate life.
3. Prescription Drugs for Mental Health
When you need mental health assistance, you might also need to use certain medications regularly or temporarily. A Medicare Part D plan can cover the cost of prescription drugs that you use for your mental health.
Some examples of prescriptions that you might get under your Part D prescription drug plan include anti-depressants, anti-anxiety medication, anti-psychotics, and mood stabilizers. If you foresee having to purchase any of these prescriptions during the course of your Medicare term, make sure that the premiums are cost-effective, while still getting you the medicines you need at a reasonable price.
4. Substance Abuse Treatment
Mental health services are a big part of any substance abuse treatment regimen. Past traumas and addiction often go hand in hand, so you’ll need therapy services that can help you with recovery.
You can choose Part A and Part B Medicare plans to get inpatient or outpatient addiction recovery. Alcohol abuse and opioid addiction treatments are often covered under these plans, so check your policy to make certain and to understand the terms.
5. Preventative Mental Health Services
It’s best to stay out in front of mental health issues. With Medicare, you can get depression screenings, psychiatric exams, mental wellness exams, and other preventative care measures.
Being proactive with your mental health can keep you well and save you lots of medical expenses in the long run.
Take Care of Your Mental Health
Mental health is the foundation of your entire sense of well-being. Take yours seriously by getting professional services whenever you need them.
Shop for the best combination of Medicare plans that allow you to finance your mental health services.