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Behavioral Health Services in Medicare Advantage: Most Plans Require Prior Authorization, but Few Require Referrals

By Inna Cintina, PhD, Kaylee Scarim, BS, and Lane Koenig, PhD
April 22, 2026

Mental health and substance use disorders are common among adults 65 years and older, with an estimated 6.5 million experiencing a mental illness and 4.6 million experiencing a substance use disorder in 2023. Both Traditional Medicare (TM) and Medicare Advantage (MA) plans cover basic inpatient and outpatient services for the diagnosis and treatment of behavioral and mental health conditions including:

We assess how access to behavioral health services in MA plans changed between 2016 and 2025 by zeroing in on prior authorization (PA), referral, and cost-sharing requirements. MA plans may also offer behavioral health (BH) supplemental benefits not offered by TM (e.g., 8% of MA plans covered additional days of inpatient psychiatric hospitalization in 2024). However, examination of BH supplemental benefits is beyond the scope of this blog.

Over 60% of MA plans had a PA requirement for outpatient behavioral services in 2016, and that number grew to over 70% of plans in 2025. The growth in PA over time is not unique to behavioral health services: post-acute care services also saw an increase in requirements, as documented in our previous blog.  The number of beneficiaries subject to […]

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