1. Medicare Part A (Hospital Insurance)

• Inpatient mental health care: This includes services provided during a hospital stay if you are admitted for treatment of mental illness (e.g., inpatient psychiatric care, therapy, and medications).

• Psychiatric hospital stays: These are stays in specialized psychiatric hospitals, which are different from general hospitals.

• Medicare pays for the first 60 days of an inpatient stay after you meet the deductible. After that, you pay a portion of the cost for extended stays.

2. Medicare Part B (Medical Insurance)

• Outpatient therapy: This includes individual therapy, group therapy, and family counseling, generally provided by licensed therapists or psychiatrists. Services can be delivered in various settings, such as private practices, outpatient clinics, or other healthcare facilities.

• Psychiatric services: Services from psychiatrists or other mental health professionals are covered. This includes diagnostic services and medical management of mental health conditions.

• Medication management: Medicare Part B also covers medications that are administered in a healthcare setting, such as injectable medications or certain therapies given in outpatient clinics.

3. Medicare Part D (Prescription Drug Coverage)

4. Medicare Advantage Plans (Part C)

Costs:

• Deductibles and Copayments: You generally pay a deductible and a percentage of the cost for the services, which can vary depending on the type of care and whether you are receiving inpatient or outpatient treatment.For inpatient care (Part A), there is a deductible for each benefit period.
  For outpatient care (Part B), you typically pay 20% of the Medicare-approved amount for services after meeting the deductible.

Other Important Notes:

• Telehealth: Medicare Part B covers mental health services provided through telehealth in certain circumstances, allowing for remote consultations with mental health professionals, which is especially helpful for those in rural areas or unable to visit a provider in person.

• Mental health parity: Medicare is subject to federal rules that promote equal treatment for mental health services as for physical health services. However, there may still be limitations or differences in coverage depending on the type of treatment.