Mental Health care is the cornerstone of emotional and physical well-being. If you want to see a therapist or need more intensive care, we have a created a quick rundown of how Medigap has you covered. It is important to remember that your costs are broken down into Medicare Part A (hospitalization) and Part B (medical care), and each Medigap plan covers these costs differently.

Medigap and Out-Patient Mental Health

If you see a psychiatrist, psychologist, or other mental health professional, or if you need partial hospitalization for mental health, or drugs administered by a mental health professional, this is how Medicare Supplement (Medigap) covers your Part B out-of-pocket costs:

  • All Medigap plans pay all or part of your Part B copays and coinsurance*.
  • Only Plans C and F will cover your Part B deductible
  • Only Plans F and G will cover your excess charges (charges when you see a doctor that doesn’t accept Medicare assignment).

Medigap and In-Patient Mental Health

You are entitled to 190 days of mental health hospitalization under Medicare Part A and Medigap, and you might have extended visits with Medigap. While hospitalization is partially covered by Part A, you will still have Part B costs for your mental health doctor. This is how you are covered for in-patient hospitalization with Medigap:

  • All Medigap plans cover 100% of your Part A hospitalization coinsurance and copays (remember this is for hospitalization, you have separate doctor coinsurance and copays, as well)
  • The majority of plans cover your Part A deductible** (for hospitalization costs, you still have a separate deductible to see a psychiatrist in the hospital)
  • All Medigap plans will cover all or part of your psychiatrist’s copays and coinsurance*.
  • Only Plans C and F will cover your Part B deductible for your doctor.
  • Only Plans F and G will cover your psychiatrist’s excess charges

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*Plan K and L require you to pay 50% and 25%, respectively. Plan N requires you to pay a copay for doctor’s visits.

**Plan A does not cover your Part A deductible. Plan K and L require you to pay 50% and 25%, respectively.

If you have any further questions about which Medigap plan is right for you, please call one of our licensed agents at 800-930-7956.