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Total Life Therapy Reviews: Outcomes, Ratings, and What Members Say
By Total Life · July 7, 2026
Total Life is an online therapy practice built specifically for adults 65+ and covered by Original Medicare. Sessions happen from home by video or phone with licensed therapists who specialize in older adults, nationwide. Coverage is verified before your first appointment, and most members with supplemental insurance pay $0 per session.
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Is Total Life legit?
If you're researching whether Total Life is legitimate, covered, and worth your time, or a loved one's, this page answers the questions people ask most, in one place.
Yes. Total Life is a licensed behavioral health telehealth practice that bills Original Medicare directly for outpatient psychotherapy. Our network includes 200+ licensed clinicians, clinical psychologists, licensed clinical social workers, marriage and family therapists, and mental health counselors, all Medicare-enrolled provider types (Telehealth.HHS.gov), serving Medicare beneficiaries nationwide. Because Medicare permanently covers behavioral health telehealth delivered to patients at home, by video or by phone, everything about our model operates inside standard Medicare rules.
What members say
Members consistently describe the same things: relief at finding therapy that actually accepts Medicare after months of dead-end phone calls, therapists who understand later-life challenges like grief and retirement, and how simple sessions are by phone or one-click video. You can read current member testimonials directly at totallife.com.
How Total Life measures whether therapy is working
Most therapy is judged by feel. Total Life practices measurement-based care: every member's symptoms are tracked with validated clinical tools, the PHQ-9 for depression and GAD-7 for anxiety, throughout treatment, so you and your therapist see progress in numbers, not just impressions. Research consistently shows measurement-based care improves outcomes compared with usual care, because treatment gets adjusted when the data says it isn't working.
Most Total Life patients pay $0 out of pocket.
Covered by Medicare. Licensed therapists who specialize in adults 65+. Matched within 48 hours.
Get StartedWhat Total Life costs
- Medicare Part B covers outpatient psychotherapy; you pay 20% of the approved amount after your deductible.
- With Medigap (supplement) or Medicaid, the 20% is typically covered, meaning $0 per session for most members.
- We verify your exact benefits before you book, so there are no surprise bills.
Full breakdown: Is Total Life Therapy Covered by Medicare?
Total Life vs. general therapy apps
| Total Life | Typical therapy apps | |
|---|---|---|
| Bills Original Medicare | Yes, directly | Usually no (self-pay subscription) |
| Built for 65+ | Yes, exclusively | Designed for general/younger users |
| Phone-only sessions | Yes (permanently Medicare-covered) | Often video/chat only |
| App download required | No, one click or a phone call | Yes |
| Live phone support | Yes | Often chat/email only |
| Symptom tracking (PHQ-9/GAD-7) | Every member | Varies |
Ready to talk to someone?
Total Life is the largest Medicare-covered online therapy practice for seniors, available nationwide. Most members pay $0 out of pocket.
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Frequently asked questions
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This article is educational and not a substitute for professional care. If you or someone you love is thinking about suicide, call or text 988 (Suicide & Crisis Lifeline), it's free, confidential, and available 24/7. This is a sensitive topic; if you're personally struggling, help is available and treatment works.
Sources: HHS Telehealth