How Medicare Supplements Cover Mental Health Care and How it Affects Your Medigap Plan

Mental health care is an area that many people do not think about until they experience a mental health crisis. But the truth is that many people suffer from mental illness, and those illnesses can significantly impact their lives. In this article, we will discuss how Medicare supplements cover mental health care, and how it affects your medigap plan.

What is Medicare Supplemental Insurance?

Medicare supplemental insurance (SMI) is a type of coverage that supplements Medicare, the federal government-sponsored health insurance program for people age 65 or older and certain people with disabilities.
The most common SMI policies are called Medigap plans.
The benefits of SMI vary depending on the plan you select, but they typically cover at least some of the cost of mental health care.
Here’s what you need to know about Medicare supplemental mental health coverage:
If you have Medicare and have elected coverage under a Medigap plan, your benefits will generally extend to cover mental health care services, including therapy,ECT (electroconvulsive therapy) and medication for bipolar disorder, major depression, schizophrenia and other psychiatric conditions.
As long as the services are provided by a registered provider who is participating in Medicare’s optional network, your coverage will be fully covered.
If you need mental health care that is not covered under your Medigap plan or if the costs of the care are more than the benefits available under your policy, you may be able to get assistance from Medicaid or another state’s version of Medicaid known as CHIP.
In general, though

What is Medigap Plan?

Medigap plans are insurance policies that supplement Medicare coverage. They can help pay for care not covered by Medicare, such as mental health care.

The good news is that mental health care is usually covered by Medigap plans. The bad news is that there are a few things to keep in mind if you have a Medigap plan that covers mental health care.

Here are five tips to keep in mind if you have a Medigap plan that covers mental health care:

1) Make sure your coverage is complete and accurate. Make sure to read the policy carefully to understand what is and isn’t covered. Make sure you know what your out-of-pocket costs will be for mental health care services.
2) Don’t hesitate to ask questions if you don’t understand something in your policy. Your insurance company should be able to help you understand your coverage.
3) Be aware of any exclusions or limitations on your coverage. For example, some plans may not cover mental health services provided by family members or friends, or services outside of the United States.
4) Keep all your medical records handy so you can document any

How Does Medicare Supplement Coverage Affect Your Medigap Plan?

Many Medicare Supplement plans do not cover mental health care. This means that if you need mental health care, you may have to pay out-of-pocket for it. Your Medigap plan will likely cover some or all of the cost of mental health care, depending on your coverage options.


It can be difficult to know what mental health care is covered under your Medicare Supplement plan. In this article, we will discuss two key points: first, what is covered and second, how it affects your medigap plan. We will also provide a few tips on how to get the most out of Medicare supplements when it comes to mental health care. Finally, we’ll give you a summary of our top 5 resources for learning more about Medicare supplements and mental health care coverage.