Outpatient care (Part B)
Medicare.gov lists these providers for outpatient mental health care: psychiatrists and other doctors, clinical psychologists, clinical social workers, clinical nurse specialists, nurse practitioners, physician assistants, marriage and family therapists, and mental health counselors. Part B also covers intensive outpatient programs, partial hospitalization if you qualify, and behavioral health integration services in a primary care office.
You pay 20% of the Medicare-approved amount after the Part B deductible ($283 in 2026). In a hospital outpatient department, you may also owe the hospital a copayment or coinsurance. One depression screening a year, in a primary care setting that can provide follow-up care, costs nothing if the provider accepts assignment.
Inpatient care (Part A)
| Each benefit period (2026) | You pay |
|---|---|
| Days 1–60 | The Part A deductible, $1,736, then nothing per day |
| Days 61–90 | $434 a day |
| Days 91 and beyond | $868 a day for each lifetime reserve day (60 in your lifetime), then all costs |
Care in a freestanding psychiatric hospital is limited to 190 days in your lifetime. You also pay 20% for doctors' services during your stay.
Medications (Part D)
Part D plans cover many outpatient drugs used to treat mental health conditions, according to each plan's formulary. Your Part D out-of-pocket costs are capped at $2,100 in 2026. Check that your medications are on a plan's formulary before you enroll.
Mental health care in Oregon
- Finding a provider: Medicare.gov names community mental health centers, Federally Qualified Health Centers and Rural Health Clinics among places to get care; many serve rural Oregon. Use Medicare's Care Compare to check enrollment.
- Medicare and OHP: if you have both, OHA says your CCO can cover your medical, dental and mental health benefits, and OHP can help with Medicare cost sharing. See Medicare and OHP together.
- Medicare Advantage: plans must cover the same mental health services but use networks. Medicare Advantage plans may offer extra benefits such as dental, vision, hearing or fitness. Extra benefits vary by plan and county, may have limits and costs, and not every plan offers them. Check a plan's Summary of Benefits or Evidence of Coverage. You can request a call from a licensed insurance agent.
Related questions
Does Medicare cover telehealth in Oregon?
Video and phone visits.
Does Medicare cover psilocybin therapy in Oregon?
Oregon's psilocybin program.
Does Medicare cover memory care in Oregon?
Dementia care and costs.
Sources
- Medicare.gov — Mental health and substance use disorder services
- Medicare.gov — Mental health care (outpatient)
- Medicare.gov — Mental health care (inpatient)
- Medicare.gov — Telehealth
- Oregon Health Authority — OHP and Medicare
More questions in this guide
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- Does Medicare cover bone density tests in Oregon?
- Does Medicare cover cataract surgery in Oregon?
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- Does Medicare cover CPAP machines in Oregon?
- Does Medicare cover dental care in Oregon?
- Does Medicare cover diabetic supplies in Oregon?
- Does Medicare cover flu shots in Oregon?
- Does Medicare cover hearing aids in Oregon?
- Does Medicare cover home health care in Oregon?
- Does Medicare pay for in-home caregivers in Oregon?
- Does Medicare cover mammograms in Oregon?
- Does Medicare cover me when I travel or spend winters outside Oregon?
- Does Medicare cover medical marijuana in Oregon?
- Does Medicare cover memory care in Oregon?
- Does Medicare cover naturopathic doctors in Oregon?
- Does Medicare cover nursing home care in Oregon?
- Does Medicare cover oxygen therapy in Oregon?
- Does Medicare cover physical therapy in Oregon?
- Does Medicare cover prostate cancer screening in Oregon?
- Does Medicare cover psilocybin therapy in Oregon?
- Does Medicare cover skilled nursing care in Oregon?
- Does Medicare cover the shingles vaccine in Oregon?
- Does Medicare cover transportation to medical appointments in Oregon?
- Does Medicare cover vision care in Oregon?
- Does Medicare cover wheelchairs in Oregon?
Part of the guide: Learn Medicare — the Oregon starter guide · All questions
Frequently asked questions
Is there a limit on inpatient psychiatric care?
Yes, for psychiatric hospitals only. Medicare.gov says Part A pays for up to 190 days of inpatient psychiatric hospital services in your lifetime. That limit doesn't apply to mental health care in a general hospital.
Can I see a therapist by video or phone?
Yes. Medicare covers outpatient psychotherapy and depression screening by telehealth. Medicare.gov says telehealth you can get from anywhere in the U.S., including your home, is covered through December 31, 2027.
Does OHP cover mental health care if I have Medicare?
If you have both, Medicare pays first. OHA says your medical, dental and mental health benefits can be covered by one plan, your CCO, and OHP can help pay Medicare deductibles and coinsurance.
What if I'm in crisis?
Call or text 988, the Suicide and Crisis Lifeline, any time. Medicare.gov lists 988 for anyone in crisis.
Medicare in your Oregon county
Plans, local agents and help, county by county: Multnomah · Washington · Clackamas · Lane · Marion · Jackson · Deschutes · Linn · Douglas · Yamhill · Benton · Polk · Josephine · Umatilla · Klamath · Coos · Columbia · Lincoln · Clatsop · Malheur · All 36 counties →
