Does Medicare Cover Psychological Therapy?

Does Medicare Cover Psychological Therapy?

Medicare Part B will cover some psychological therapy as long as it is provided by a licensed psychiatrist or therapy provider. Medicare part B will not pay for therapy by a psychologist. Medicare Part B will not pay for therapy by an unlicensed individual or someone who is not a qualified therapist.

Medicare Part B will only cover therapy that is medically necessary. To determine if your therapy is medically necessary you should ask your doctor. If you are not sure whether or not your therapy is medically necessary you should contact your doctor or the therapy provider who will be able to advise you. If you do not reach your doctor or the therapist listed on your Medicare card you can contact the Medicare Helpline who will be able to advise you.

Medicare Part B will not cover therapy if it is provided as a result of your doctor signing you up to a plan. Medicare will not pay for your therapy if you are in a program that requires you to pay a monthly fee to access therapy. Medicare will not cover your therapy if your doctor signed you up to therapy for the purpose of gaining a Medicare payment.

Medicare will cover 8 psychotherapy sessions per calendar year. After you have received 8 sessions per calendar year Medicare will not pay for any more sessions until the first day of the next calendar year.

When you receive your Medicare card you will not be able to see what your Medicare benefit is for psychological therapy. In order to determine what your benefit is for psychological therapy you should contact your doctor or therapist or you can call the Medicare Helpline.

What if I want to get therapy after I have used up my 8 sessions?

You can receive additional therapy for psychological conditions when you are homebound, medically frail, or also if you have a serious mental illness. Medicare Part B will cover unlimited psychotherapy for homebound individuals. Medicare Part B will cover unlimited psychotherapy for medically frail individuals. Medicare Part B will cover unlimited psychotherapy for individuals with a serious mental illness.

What if I want to cancel my regular Medicare Part B?

If you want to cancel your Medicare Part B so you do not have to pay for it you can cancel it at any time. If you cancel your Medicare Part B, you will be able to access any Medicare benefits you are entitled to receive.

If you do decide to cancel your Medicare Part B you will not be able to purchase Medicare Part B again unless you are eligible for a Special Enrollment Period. For more information about Special Enrollment Periods please see the next section.

What if I lose my Medicare card?

You should call the Medicare Helpline to find out how you can get a new Medicare card if you have lost your Medicare card.

What if I want to change my Medicare coverage?

You should call the Medicare Helpline to change your Medicare Plan.

What if I want to cancel my Medicare?

You should call the Medicare Helpline to cancel your Medicare. If you cancel your Medicare you will be able to access any Medicare benefits you are entitled to receive.

If you do decide to cancel your Medicare you will not be able to purchase Medicare again unless you are eligible for a Special Enrollment Period. For more information about Special Enrollment Periods please see the next section.

If I have a Special Enrollment Period (SEP) do I have to pay for Medicare Part B?

If you have a Special Enrollment Period you will be able to purchase Medicare Part B without paying a monthly premium.

What is a Special Enrollment Period?

A Special Enrollment Period is a time period where you will be able to purchase Medicare Part B without paying a monthly premium. You will have a Special Enrollment period in the following circumstances:

You turn 65 and you are already receiving Social Security benefits.

You are between the ages of 65 and 70 and you are not able to get social security benefits.

You are between the ages of 65 and 70 and you are not eligible for social security benefits.

You are eligible for Medicaid and you are not receiving Medicare benefits.

You are not eligible for Medicaid and you are receiving Medicare benefits.

You are not eligible for Medicare benefits and you are enrolled in a Medicare Part B special enrollment period.

You are eligible for Medicare Part B but you are not enrolled in Medicare Part B.

You are eligible for Medicare Part B but you are enrolled in another Medicare Plan.

What should I do if I have a Special Enrollment Period?

If you have a Special Enrollment Period you should enroll in Medicare Part B. You should enroll in Medicare Part B when you are receiving your Medicare card.

What is an active-duty member of the armed forces?

An active-duty member of the armed forces is someone who is serving in a military branch or a reserve unit of the military. This includes members of the National Guard and Reserves.

What if I am an active-duty member of the armed forces?

You should purchase Medicare Part A and Medicare Part B if you are an active-duty member of the armed forces. You should purchase this coverage when you are receiving your Medicare card.

What if I am an active-duty member of the armed forces and I am covered by my spouse's health insurance?

You should still purchase Medicare Part A and Medicare Part B. You should purchase this coverage when you are receiving your Medicare card.

What if I am an active-duty member of the armed forces and I have a spouse who is not an active-duty member of the armed forces?

What if I am an active-duty member of the armed forces and I have a spouse who is not an active-duty member of the armed forces and I have access to health insurance from my employer?

You should still purchase Medicare Part A and Medicare Part B.

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