Medicare & Mental Health: What’s Covered in 2025?

Mental health is essential to your overall well-being, and Medicare provides coverage for a wide range of mental health services. In 2025, expanded benefits and telehealth access are making it easier than ever for beneficiaries to receive support. Here’s what Medicare covers for mental health in 2025—and how to take advantage of these benefits.

Mental Health Services Covered by Medicare

Outpatient Services (Part B)

Medicare Part B covers:

• Individual and group therapy

• Family counseling related to your treatment

• Mental health evaluations and psychiatric diagnostic tests

• Medication management

• Depression and substance abuse screenings

• Telehealth mental health services, including ongoing therapy

Inpatient Mental Health Services (Part A)

Medicare Part A covers mental health care in a psychiatric or general hospital, including:

• Room, meals, and nursing care

• Therapy and medications

• Up to 190 days in a psychiatric hospital during your lifetime

  
  

What’s New in 2025?

Improved Telehealth Access

• You can now access mental health care from home using video or audio calls.

• No in-person visit required before receiving therapy via telehealth.

Expanded Provider Types

• Medicare now covers licensed marriage and family therapists (LMFTs) and mental health counselors.

  
  

Costs for Mental Health Services

• Under Part B, you pay 20% coinsurance after the annual deductible ($240 in 2025).

• Inpatient stays under Part A require a deductible and daily copays after 60 days.

  
  

Tips to Get the Most Out of Medicare Mental Health Benefits

✅ Find Medicare-approved therapists or psychiatrists using Medicare.gov.

✅ Ask your doctor for a mental health referral if needed.

✅ Use telehealth to access care more conveniently.

✅ Take advantage of free preventive screenings for depression and substance use.

Final Thoughts

Medicare’s mental health benefits in 2025 are more accessible and comprehensive than ever. Whether you need counseling, therapy, or inpatient care, there are resources available to support your mental wellness.

Need help finding the right provider or Medicare plan that covers your mental health needs? Lindbergh and Associates can help!

📞 Call us today or schedule a free consultation to explore your mental health care options with Medicare.