Medicare may cover cognitive behavioral therapy for insomnia (CBT-I) under Part B. Medicare covers various treatments, such as medications, for insomnia and other sleep disorders.
Insomnia is a common sleep disorder that involves having difficulty falling or staying asleep. In 2019, the American Academy of Sleep Medicine reported that 30% to 35% of adults in the United States experienced insomnia symptoms.
CBT-I is a multi-week behavioral therapy program that aims to
Programs are typically run by doctors, nurses, or mental health professionals.
Individuals enrolled in Original Medicare are eligible for various mental health care benefits through Part B. These benefits include “individual and group psychotherapy with doctors or certain other licensed professionals.”
CBT is a form of psychotherapy, so if your doctor deems that CBT-I is a medically necessary treatment for your insomnia, you may be able to receive coverage under Medicare. It’s best to consult your doctor and Medicare provider to verify your coverage prior to treatment.
If you have Medicare Advantage (Part C), your plan may offer additional benefits for mental health coverage that are not included in Original Medicare.
If you receive coverage for CBT-I under Medicare Part B, you’ll have some out-of-pocket costs. In 2025, there’s a monthly premium of at least $185, depending on your income.
You’ll also have a $257 deductible and a 20% coinsurance on Medicare-approved costs after you’ve met the deductible. You may also have a copayment for certain services.
If a doctor suspects that your sleep issues are related to sleep apnea, Medicare Part B will cover your participation in a sleep study. However, this wouldn’t apply in cases where you don’t have the clinical signs of sleep apnea.
If you have a Part D prescription drug plan, you may receive coverage for insomnia medications. These include:
- sedatives
- tranquilizers
- anti-anxiety drugs
Learn more about Medicare Part D prescription drug coverage.