Does Medicaid and Medicare Cover Therapy?

Does Medicaid and Medicare Cover Therapy?

Mental health and illness, which were an issue and an unacceptable problem of this contemporary day, are now quite widely recognized. Therapy has become a very vital activity in our lives. The realization of mental health issues grew, and so did the number of therapists with demands. Post-pandemic, we were all left with some amount of mental instability—a few more than a few others. Those are the kinds of therapists we used to have in those days, and insurance never covered therapists in general, so people used to stay away from them as it was costly. However, with the trend that has been seen in the last few years, mental health and therapists have been brought to the limelight that they needed so much. Many insurance companies worldwide have turned their attention to this and started offering packages to people that included therapy, both privately and from the government. Let’s talk about two leading government insurance companies, Medicaid and Medicare, which include therapy in their plans.

What are Medicaid and Medicare?

Medicaid is a government-supported program for millions of Americans who need medical health coverage. It caters to low-income adults, including children, pregnant women, elderly adults, and people with disabilities. Each state administers Medicaid according to requirements set forth by the federal government.

On the other hand, Medicare is a federal-only health insurance program that gives services to persons who are 65 and older, young people with specific disabilities, and people with end-stage renal disease. The two plans in the areas mentioned above vary in what they cover. They take care of other different therapies. Since Medicare is for older adults, it offers depression, alcohol abuse screening, and wellness visits. Due to the Affordable Care Act, the services provided under Medicaid are broad. They include mindfulness-based cognitive therapy (MBCT), cognitive-behavioral therapy (CBT), and acceptance and commitment therapy (ACT), among many others. All these provide pretty good services, but how can one apply for them? Well, here’s an easy-to-understand guide!

What is eligibility, and how do I apply?

It is available to those needing help to afford expensive insurance companies. It is offered for adults with low income, children, pregnant women, people who are 65 or older, and people who are disabled. To check your eligibility, you may visit the link. Determinants may include age, level of income, number of dependents, pregnancy, disability, or a combination of them. The application mechanism for Medicaid may consist of two main routes: applying, downloading it from the website, and taking it in person, by mail to your local county agency, or by applying online. One can do this in two ways. First, contact your state Medicaid agency and use it as a state resident. The other is to fill out their application on the Health Insurance Marketplace. If your income is above average, your kids might qualify for coverage under your state’s CHIP program or Medicaid. It pays for medical and dental care for uninsured children and teens up to age 19. In most states, their eligibility varies according to their set income. Here, through the in-state or directly from the Health Insurance Marketplace, a piece of information to note may be different, such as the name for Medicaid and CHIPS in some states. Documentation regarding their contact information and such can be found on their website.

What’s the difference between Medicaid and Medicare?

On the other hand, Medicare has three parts to its insurance plan.

  • Part A of Medicare provides insurance coverage for inpatient care in hospitals, nursing facilities, hospices, or house care.
  • Part B generally covers services from doctors, outpatient care, home health care, and such.
  • Part C is supposed to cover prescription drugs, including shots or vaccines.

The insurance coverage is provided following a set of rules and plans offered by the insurance company. There is also Medigap, extra insurance that helps you pay the costs of your original Medicare plan. After choosing a plan, answer questions like whether you have current insurance or receive any benefits. After answering all of the questions, you will be able to sign up for Medicare! Medicare starts at age 65 unless you’re under 65 and have a chronic illness or disability. Depending on when you apply, coverage can take one month up to three months. You can apply online or via their phone number, which is available on their website. Both of these indemnify the coverage of therapy, both mental and physical. One provides to old and chronically sick people, while one is for all but only given to needy people. Both have their good and bad things and specialties for specific areas, but ultimately, they offer people the possibility to use a newly considered essential service—therapy. Unfortunately, not all companies and therapists accept an insurance policy, nor does the insurance cover all the therapists provided. So, we must always check the policies of our insurance providers and the therapist to see if they accept them.


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