Are visits with psychologists, social workers, or psychiatrists included in Medicare coverage?

Question

Kevin Dover · Accepted Answer

Yes, they are. Medicare pays 80% of the approved amount. Patient pays 20% coinsurance unless they have Medigap/Supplement in which case it usually reduces to $0. A Medicare Advantage plan varies by plan, but typically $0-$40.

Answered by Kevin Dover on December 4, 2025

Broker Licensed in FL, AL, AR & 16 other states

Answered by Kevin Dover Medicare Insurance Agent

Ron Cronwell · Answer

Most Medicare Advantage plans cover psychologists and psychiatrist visits. Social worker visits are not medical, so no, they are not covered. Social worker by definition are not licensed in mental heath therapy, so not covered by a health care plan.

Answered by Ron Cronwell on December 6, 2025

Agent Licensed in TN

Answered by Ron Cronwell Medicare Insurance Agent

Clare Goyette · Answer

Coverage is limited to the insurance network on Medicare Advantage plans for psychologist or psychiatrist, no for social workers unless under a dual eligible program.

Meghan Blankenship · Answer

Yes-Medicare does cover visits with psychologists, clinical social workers, and psychiatrists, but the type of coverage depends on the provider and whether the care is inpatient or outpatient

Carol Thompson · Answer

Depending on your plan- most plans do offer these services both as in & out patients, it’s usually listed under Behavioral Health.

Andrew Kelly · Answer

Yes, psychologists, social workers, and psychiatrists are generally covered under Medicare, so long as they accept Medicare. Generally, you can count on at least 80% coverage, and then depending on whether you are a Medicare Advantage client or an original Medicare client with a supplement, additional coverages may also be available.

Answered by Andrew Kelly on June 1, 2026

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent

Rodolfo Rojas · Answer

Yes, psychologists, psychiatrists, and clinical social workers are included in your part B of Medicare.  They are usually 20% of the coinsurance payment after the annual deductible.

Antonio Rodriguez · Answer

Yes—Medicare does cover mental health visits, including:

• Psychologists (clinical)
• Licensed clinical social workers (LCSWs)
• Psychiatrists and other mental-health doctors

Coverage works for both in-office and telehealth visits, as long as the provider accepts Medicare. Your cost will depend on whether you have Original Medicare, a Medigap plan, or a Medicare Advantage plan.

Casey Graves · Answer

Yes, visits with psychologists and psychiatrists are included in Medicare coverage! If you are enrolled into a Medicare Advantage plan, you will be responsible for the specialist copay or coinsurance. Out-of-pocket expenses can vary depending on if you see a provider in your plan's network or out of network. 

If you are enrolled into Original Medicare, you are responsible to meet a $283 deductible (in 2026) and then Medicare pays 80% of the Medicare Allowable Charge, given that the provider is a Medicare provider. Hope this helps!

John Weaver · Answer

Yes, Medicare covers visits with psychologists, social workers, and psychiatrists under its outpatient mental health benefits. These services can include therapy, substance abuse treatment, and screenings, and the coverage extends to other qualified mental health professionals, such as nurse practitioners, physician assistants, and marriage and family therapists.

Answered by John Weaver on December 4, 2025

Broker Licensed in CA, AZ, IL & 7 other states

Answered by John Weaver Medicare Insurance Agent

Chris Lewis · Answer

Generally, Medicare Part B will cover a portion of needed visits to psychologists, social workers or psychiatrists with you normally having an out of pocket cost of 20 percent. These costs could vary depending on if you have Medicare Advantage or a Medicare Supplement plan.

Answered by Chris Lewis on December 5, 2025

Broker Licensed in AL & GA

Answered by Chris Lewis Medicare Insurance Agent

Ira Smith · Answer

Yes, they are.  With CCOK Medicare Advantage Plans, this includes visits to Laureate, which is part of St. Francis.

Elisa Forte · Answer

Yes, mental health is included in Medicare advantage plans, but the benefits do vary plan to plan.
Plans vary state to state county county lots of different policies out there so you’ll need an expert to guide you and then just ask the questions of what your needs entail and let him find the right plan for you.

Robert Kelly · Answer

Yes. Medicare covers at 80%.  Most Medicare advantage plans will cover visits as well with a co-pay.  Typically between $20 & $40

Are visits with psychologists, social workers, or psychiatrists included in Medicare coverage?

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Are visits with psychologists, social workers, or psychiatrists included in Medicare coverage?

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