Does Medicare cover mental health care?
Yes. Part B helps pay for counseling and therapy for mental health.
What will you pay?
With Original Medicare: You pay 20% of the Medicare-approved amount after the yearly Part B deductible ($283 in 2026).
With a Medicare Advantage plan: Medicare Advantage plans must cover it too, but your costs and rules can differ. Check your plan. Compare plans near you.
What are the rules?
- You can often get it by phone or video.
- A yearly depression check costs nothing.
- In a crisis, call or text 988.
What should you do next?
Ask free Medicare counselingSource: Medicare.gov: Mental health care (outpatient) (opens in a new tab). Checked Oct 21, 2026. Costs are for 2026. This is general information, not medical advice.