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Does Medicare Cover Therapy? A Complete Guide
Mental health therapy is covered under Part B when it's medically necessary.
Talk to a Licensed Agent: (302) 407-0876What's Covered
Part B covers outpatient mental health therapy when it's medically necessary, including individual and group psychotherapy, psychiatric evaluations, medication management, cognitive behavioral therapy, and substance use counseling. Eligible providers include psychiatrists, clinical psychologists, clinical social workers, nurse practitioners, physician assistants, and certain licensed counselors.
Physical, occupational, and speech therapy are also covered separately under the same medical necessity standard, whether the need is related to mental health or a physical condition.
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Call (302) 407-0876Cost and Access
Standard Part B cost-sharing applies to therapy: the Part B deductible plus 20% coinsurance. There's no hard cap on the number of therapy sessions as long as they remain medically necessary. Medicare Advantage plans are required to cover at least what Original Medicare covers for therapy, often with different copay amounts and network requirements.
Telehealth therapy visits are covered when delivered by live video; phone-only sessions depend on current CMS telehealth rules, which have changed over time, so it's worth confirming with your provider or plan.
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