Total Life

Medicare Coverage

Does Medicare Cover Online Therapy?

Yes. Medicare Part B covers online therapy for older adults. Here is what is covered, what you will pay, and how to get started with a licensed therapist from home.

What Medicare covers for online therapy

Original Medicare Part B covers outpatient mental health services, and that includes telehealth sessions delivered by phone or video. Covered services include individual therapy with a licensed therapist, group therapy, and psychiatric evaluations. To bill Medicare, your therapist must be enrolled with Medicare as a participating provider.

Total Life therapists are enrolled with Medicare and handle all billing on your behalf. You never need to file a claim or navigate the paperwork. We confirm your exact coverage before your first session so there are no surprises.

How much does Medicare pay for online therapy?

Medicare Part B pays 80 percent of the Medicare-approved amount for covered mental health services after you meet your annual Part B deductible. In 2026, that deductible is $240. Once it is met, Medicare pays 80 percent and you are responsible for the remaining 20 percent.

If you have a Medigap supplemental plan, it typically covers the remaining 20 percent, meaning your out-of-pocket cost is $0. If you have a Medicare Advantage plan, your copay is often $0 or a low fixed amount per session. Most Total Life patients pay nothing out of pocket.

Can I do therapy by phone with Medicare?

Yes. Following permanent telehealth expansions, Medicare covers audio-only (phone) sessions for mental health services. You do not need a smartphone, a computer, or any video capability. A standard phone call is sufficient. This removes one of the biggest barriers for older adults who are not comfortable with video technology or who have limited mobility.

All Total Life therapists are available by phone. You can choose phone or video for every session, and you can switch between them at any time.

How to find a Medicare-covered online therapist

The fastest way to find a Medicare-enrolled therapist is through Total Life. You answer a few questions about what you are looking for, we verify your Medicare or insurance plan at no cost, and you are matched with a licensed therapist within 48 hours. There is no directory to search, no phone tag, and no waiting weeks for an opening.

For a full overview of how to navigate therapist options and what questions to ask, see our guide: Find a Licensed Therapist That Accepts Medicare.

Medicare Advantage and online therapy

Most Medicare Advantage (Part C) plans cover outpatient mental health therapy, often with a $0 or low copay per session. Coverage details vary by plan and carrier. To confirm your exact benefits, check your plan's Summary of Benefits or call the member services number on your insurance card.

Total Life accepts most Medicare Advantage plans, including Aetna, UnitedHealthcare, Humana, BlueCross BlueShield, Cigna HealthSpring, Magellan, and SCAN. We verify your specific plan before your first session.

Meet Our Providers

Licensed therapists who specialize in older adults.

David Coronado

David Coronado

Licensed Psychologist

Licensed in Florida, David brings a culturally sensitive and evidence-based approach to supporting older adults with anxiety, depression, and major life transitions.

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Tanya Alonso

Tanya Alonso

Licensed Psychologist

With 6+ years of experience and a person-centered approach, Tanya helps older adults reconnect with their inner resilience, bringing warmth and real talk to every session.

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Sarah Sarubbi

Sarah Sarubbi

Licensed Psychologist

13 years of experience working with older adults, licensed in North Carolina and PSYPACT states. Sarah brings skill and steadiness to late-life mental health.

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Common questions

Frequently asked questions

Does Medicare cover teletherapy?
Yes. Medicare Part B covers telehealth mental health services on a permanent basis following the telehealth expansions enacted after the COVID-19 public health emergency. This includes both video and audio-only (phone) sessions with a Medicare-enrolled therapist.
Does Medicare cover therapy for depression and anxiety?
Yes. Medicare Part B covers outpatient therapy for depression, anxiety, grief, caregiver stress, cognitive change, and other mental health conditions. Sessions must be provided by a licensed therapist enrolled with Medicare. Total Life therapists are enrolled and specialize in these conditions in older adults.
Do I need a referral for Medicare therapy?
No referral is required for outpatient mental health services under Original Medicare Part B. You can contact Total Life directly and we will match you with a licensed therapist. Some Medicare Advantage plans may require a referral, so check your specific plan's requirements.
Is BetterHelp or Talkspace covered by Medicare?
No. BetterHelp and Talkspace operate on subscription models and do not accept Medicare or most traditional insurance plans. Sessions are paid out of pocket, typically $65 to $100 per week. Total Life is built specifically for Medicare-covered care and accepts Medicare as primary coverage.
How do I start therapy with Medicare through Total Life?
Visit totallife.com or call 1-800-567-LIFE. We confirm your Medicare or insurance coverage at no cost, then match you with a licensed therapist within 48 hours. Your first session can happen by phone or video from home. Most patients pay $0.

Most patients pay $0. Check your Medicare coverage.

Licensed therapists. Medicare covered. Built for adults 65 and older.