Does Medicare Cover Sertraline?

Christian Worstell
In this article...
  • Sertraline is an antidepressant used to treat several mental health conditions. This article outlines which Medicare plans cover generic sertraline and Zoloft.

Having prescription drug coverage via your Medicare plan can help ease financial pressure if you're diagnosed with a mental health condition. Let's explore how Medicare coverage for sertraline works. 

What Is Sertraline?

Sertraline is a selective serotonin reuptake inhibitor (SSRI) medication used to treat several mental health conditions, including depression, obsessive-compulsive disorder (OCD) and anxiety. It eases symptoms by elevating levels of a mood-balancing chemical called serotonin in your brain.

Doctors often prescribe a branded version of sertraline called Zoloft. Sertraline is available in both tablet form and a concentrated liquid to mix with water and swallow. Healthcare providers may recommend starting on a low dose and increasing the amount you take until you achieve adequate relief. However, it can take a few weeks before you notice significant improvements. 

Sertraline isn't usually habit-forming, but it could cause withdrawal symptoms if you stop taking it suddenly. Your doctor may tell you to gradually reduce the amount you take if you no longer wish to use sertraline, even if you're symptom-free. 

Sertraline Side Effects

Sertraline sometimes causes side effects, which may include:

  • Nausea or vomiting
  • Constipation or diarrhea
  • Tiredness
  • Headache
  • Insomnia
  • Appetite and weight changes
  • Sexual problems

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Does Medicare Cover Sertraline?

You'll almost certainly have sertraline coverage if you're a Medicare Part D enrollee or have a Medicare Advantage policy with prescription medication benefits. All Part D plans cover sertraline, although it's unclear how many cover Zoloft and other branded versions. 

Regular Medicare (Parts A and B) doesn't cover prescription medications unless they're professionally administered or administered using durable medical equipment (DME). Neither of these exceptions is likely to apply to sertraline. Therefore, it could be worth considering purchasing supplementary prescription drug coverage (Medicare Part D) from a private insurer if you only have Parts A and B.

How Much Does Sertraline Cost With and Without Medicare Coverage?

Generic sertraline costs between $9 and $89 for 30 100-milligram tablets without Medicare coverage. However, these prices may not apply to branded sertraline. As prices for sertraline are relatively variable, you could save a considerable amount on your prescriptions by shopping around. 

If your Medicare plan covers sertraline, you must usually meet your deductible before your insurance company starts paying out. Part D deductibles must not exceed $545 in 2024 (up from $505 in 2023) and Medicare Advantage deductibles can be substantially more expensive. Although there are deductible-free options available, they usually command much higher monthly premiums. 

Your insurer may waive co-pays for sertraline after you meet your deductible. However, many charge co-pays of up to around $1. 

Sertraline Coverage Restrictions With Medicare

You won't usually need prior authorization from your doctor before your Part D or Medicare Advantage provider agrees to cover sertraline. However, many companies have quantity limits, which means that you can only receive a pre-agreed amount of your medication each time you visit your pharmacy.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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