I've been diagnosed with bipolar disorder at age 66. How should I structure my Medicare coverage to ensure I get the mental health care I need?
Answered by 6 licensed agents
Yes. The most obvious means toward doing that is to ask your agent what is covered in your policy in the area of mental health and those medications that are prescribed to treat that malady. If you want to compare your current plan with other companies, it is going to be essential for you to realize that mental health is covered by Medicare but only so much. This depends upon the State you live in, unfortunately. You need to call both Supplement firms as well as those who offer Advantage plans. Based on a "side-by-side" comparison, you should have enough ammunition to make a determination. It would have been better had you come to this conclusion before a full 12-months had elapsed after turning age 65. This means that now you will be subject to underwriting though you won't be declined just for a bipolar disorder but an accumulation of health issues that you might also have.
Medicare Supplements and Medicare Advantage plans cover mental health visits and hospitalization due to mental health. Part D prescription drug plans cover medications. Please contact your agent to see if your medications are covered. If you do not have Medicare yet, please contact a local agent to help you.
Answered by Dana Dane on April 10, 2025
Agent Licensed in OR, AZ, CA & 6 other states
You need to work with an insurance agent or broker to help navigate you to understand your insurance plan. Or check into the 2025 plan guide your Medicare plan you have.
Answered by Diana Salisbury on April 19, 2025
Broker Licensed in OH, IN & MI
Yes, Medicare covers mental health services, including treatment for bipolar disorder, through both Original Medicare (Parts A and B) and Medicare Advantage plans, covering both inpatient and outpatient services, as well as prescription medications.
Answered by Vachik Chakhbazian on April 9, 2025
Agent Licensed in CA, AL, AR & 22 other states
Regardless of what product you choose you will have mental health coverage. The benefits have been on the plans.
Answered by Rachael Metcalf on April 10, 2025
Agent Licensed in TN, FL, GA & 5 other states
The first step would be to determine if there a C-SNP for bipolar disorder in your area that includes any providers you are not willing to change. If not, it would be necessary to review available plans find the one that best meets your mental health needs.
Answered by Samuel Deter on April 10, 2025
Broker Licensed in MO, AR, GA, KS, SD & TX
Tags:
Advice for Seniors
Medicare Part B
Medicare Part D
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