Mental Health care is the cornerstone of emotional and physical well-being. If you want to see a therapist or need more intensive care, we have a created a quick rundown of how Medigap has you covered. It is important to remember that your costs are broken down into Medicare Part A (hospitalization) and Part B (medical care), and each Medigap plan covers these costs differently.

Medigap and Out-Patient Mental Health

If you see a psychiatrist, psychologist, or other mental health professional, or if you need partial hospitalization for mental health, or drugs administered by a mental health professional, this is how Medicare Supplement (Medigap) covers your Part B out-of-pocket costs:

  • All Medigap plans pay all or part of your Part B copays and coinsurance*.
  • Only Plans C and F will cover your Part B deductible
  • Only Plans F and G will cover your excess charges (charges when you see a doctor that doesn’t accept Medicare assignment).

Medigap and In-Patient Mental Health

You are entitled to 190 days of mental health hospitalization under Medicare Part A and Medigap, and you might have extended visits with Medigap. While hospitalization is partially covered by Part A, you will still have Part B costs for your mental health doctor (Source). This is how you are covered for in-patient hospitalization with Medigap:

  • All Medigap plans cover 100% of your Part A hospitalization coinsurance and copays (remember this is for hospitalization, you have separate doctor coinsurance and copays, as well)
  • The majority of plans cover your Part A deductible** (for hospitalization costs, you still have a separate deductible to see a psychiatrist in the hospital)
  • All Medigap plans will cover all or part of your psychiatrist’s copays and coinsurance*.
  • Only Plans C and F will cover your Part B deductible for your doctor.
  • Only Plans F and G will cover your psychiatrist’s excess charges

Learn More about Medigap Get a Medigap Quote

*Plan K and L require you to pay 50% and 25%, respectively. Plan N requires you to pay a copay for doctor’s visits.

**Plan A does not cover your Part A deductible. Plan K and L require you to pay 50% and 25%, respectively.

Can I switch plans?

If the Medigap plan you picked isn’t working anymore, you might still have a way out. As long as you’re within six months of your Part B effective date, you’re in the clear—approval is automatic. Once that period ends, your options depend on your state. Some have laws like the Birthday Rule to make switching easier. If your state doesn’t offer one, you’ll likely need to go through medical underwriting, and approval isn’t a sure thing. Want to avoid the guesswork? Try our Instant Medigap Underwriting Checker or call us—we’re always here to help, and we never charge.

If you have any further questions about which Medigap plan is right for you, please call one of our licensed agents at 800-930-7956.