What Does Medicare Cover When Visiting a Psychologist?


Quick Answer

The services that Medicare covers when a patient visits a psychologist include occupation therapy, individual and group therapy, family counseling, active therapies and training and education, notes Medicare Interactive. Medicare considers visits to a psychologist an outpatient service. Such visits are known as therapy or counseling and Medicare covers them when a provider accepts the job.

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Full Answer

Medicare Part B insurance is the insurance policy that covers all the therapy or counseling visits. Typically, they include services that a patient receives outside a hospital and services offered in a hospital's outpatient facility. Patients must ensure that the psychologists they are planning to visit are Medicare-certified and accept Medicare's approved amount as a full payment for a service, reports Medicare. Medicare pays non-participating psychologists for the provided services, but these providers can charge a patient up to 15 percent higher than the Medicare-approved amount.

Patients with Part B insurance coverage are eligible for these services. Patients pay nothing for annual depression screening if a psychologist accepts an assignment. Medicare offers a deductible of about 20 percent of the Medicare-approved amount for visits to a physician to treat a condition. Patients who receive services from a hospital outpatient facility pay an extra copayment. The exact amount ranges between 20 to 40 percent of the Medicare-approved amount and varies by the type of service offered.

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