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Navigating Insurance for Virtual Therapy: What You Need to Know

Therapy, including virtual therapy, can be an essential element of maintaining good mental health, and can help seniors navigate the emotional challenges that come with aging. As the world continues to progress and become more reliant on digital technology, virtual therapy has become a popular and effective alternative to traditional in-person therapy. With convenient accessibility and the ability to maintain social distancing, it’s no wonder that seniors are turning to virtual therapy for their mental health needs. But when it comes to paying for therapy, the insurance landscape can be confusing to navigate. This confusion is worsened by the fact that policies governing insurance coverage for virtual therapy have changed in recent years.

Understanding the Insurance Landscape for Virtual Therapy

Previously, some insurance plans only covered in-person therapy sessions, so virtual therapy wouldn’t have been covered under those plans. However, this has changed recently: with virtual access being essential during the pandemic, many insurance companies have changed their policies and now allow coverage for virtual therapy services. Check with your insurance provider to see whether they now cover virtual therapy for seniors. For the most part, coverage is now available, and seniors can continue the therapy services they need—at home, right from their computer.

It’s essential to determine whether your insurance policy covers the service. To do so, it’s best to call your insurance provider and ask about their coverage for virtual therapy services. Some policies may require a referral from a primary care physician or pre-authorization before starting virtual therapy sessions. It’s essential to check with your insurance company beforehand to avoid any surprises when the bill arrives.

Medicare and Virtual Therapy

Medicare expanded its coverage during the COVID-19 pandemic to allow for telehealth services, including mental health services, to be delivered virtually. This means that if you have Medicare, you can access virtual therapy services from the comfort of your own home.

Individuals do not need to be in a rural area to access teletherapy services. However, after the end of December 2024, individuals may need to go to a medical facility or office located in a rural area if they wish to access most telehealth services. However, some telehealth services such as monthly substance use disorder or mental health disorder treatments can be accessed at home, even after the designated period ends.

Medicare Advantage Plans and some providers in certain Medicare Accountable Care Organizations (ACOs) may offer more telehealth benefits than the ones provided under Original Medicare.

Copayments and Deductibles

While some insurance companies are covering the costs of virtual therapy, others may have out- of-pocket costs associated with virtual therapy. It’s important to ask your insurance provider directly about these costs, and also to ask your therapist about their fee structure. Some therapists may offer a sliding scale for payment, while others may be in-network with your insurance and have negotiated fees.

Providers accepting Medicare, like Total Life can offer teletherapy services to eligible individuals. Medicare beneficiaries are required to pay a 20% co-pay for Medicare-approved teletherapy services after the Part B deductible has been met. The cost of these services may vary depending on the provider charges, the type of facility, the location of the service, among other factors.

Platforms for Virtual Therapy

Platforms for Virtual Therapy

One of the primary concerns when it comes to virtual therapy is security. To ensure that the therapy platform you are using is safe, you should check if the service provider follows the HIPAA’s Security Rule and Privacy Rule.3 These rules require the adoption of technical controls to protect patient data privacy.

HIPAA’s Security and Privacy Rules have laid down strict guidelines for the platforms used by service providers to ensure patient data remains secure and confidential. Platforms need to comply with these federal regulations to protect patient data from unauthorized access, disclosure, or any other impermissible use.

Service providers can use a variety of measures to secure the platforms used for virtual therapy. Encryption provides an additional layer of security, as it encrypts the data transmitted between the therapist and patient, ensuring that only authorized persons can access the data. Firewalls and anti-malware software help protect against unauthorized access, viruses, and malware.

It is also crucial that the service provider implements and informs patients about their policies and procedures concerning the safe storage, transfer, and disposal of patient data. Data should be stored in a secure location, and encryption protocols used when data is transferred. When data needs to be disposed of, the provider must ensure it is done so in a safe and secure manner.

Communication with Providers and Insurance Companies

When communicating with insurance companies, it is crucial to have all necessary information and documentation ready. This may include a prescription for therapy from your primary care physician, proof of diagnosis, treatment plan, and receipts from virtual therapy sessions. Be prepared to provide this information in a timely manner to ensure smooth processing of insurance claims.

Also make sure to ask all necessary questions regarding insurance coverage, copayments, and eligible platforms. Additionally, keep in mind that some insurance companies may have limitations or restrictions when it comes to virtual therapy, so it is important to inquire about these beforehand.

Alternatives for those without Insurance

For individuals without insurance, there are a range of alternative options available to receive mental health support and care. Sliding scale therapists offer a fee structure that is adjusted based on a person’s income, making therapy more affordable and accessible. Training clinics, often affiliated with universities, can provide low-cost therapy services under the guidance of licensed professionals supervising graduate students. Federally funded health centers serve individuals regardless of their insurance status, providing primary care and mental health services at an affordable cost.

Although not at par with the effectiveness of professional therapy, support groups offer a valuable source of peer-to-peer support, allowing individuals to connect with others who are experiencing similar mental health struggles. These groups can be found through community centers, religious organizations, and mental health advocacy groups. Virtual support groups have also become more popular in recent years, with many options available online.

It’s important to note that while insurance coverage may alleviate some financial burden, it is not necessary to receive quality mental health care. With the different alternatives available, there are ways to access affordable and effective services. It is crucial for individuals to prioritize their mental health and seek support when needed.

Things to Look Out for in a Virtual Therapist

Things to Look Out for in a Virtual Therapist

When looking for a virtual therapist, there are a few things to consider. Above everything, make sure they are licensed and have experience in working with seniors. Make sure to take into account their qualifications and experience. A qualified virtual therapist should be licensed in your state and have experience providing therapy specifically through virtual platforms.

Another factor to consider is the virtual therapist’s availability and scheduling. Make sure their availability aligns with your schedule and needs. This may also include considering their time zone if they are located in a different region.

Finally, consider the virtual therapist’s ethical standards and approach. Ask about their confidentiality policies and how they handle emergencies or crises. Ensure that their approach aligns with your values and comfort level. It is important to ensure that you feel comfortable and safe with your therapist. Trusting your therapist is essential to establishing a productive therapeutic relationship.


Virtual therapy is accessible, convenient, and beneficial for seniors’ mental health. A professional virtual therapy session is a simple and effective way to get the support seniors need whenever and wherever seniors need it. Navigating insurance coverage for virtual therapy as a senior may seem complicated, but it doesn’t have to be. Understanding your insurance policy, eligible providers and platforms, copayments and deductibles, and effective communication are crucial components to ensure the success and accessibility of virtual therapy. By being informed and proactive, seniors can benefit from the ease and effectiveness of virtual therapy services.

At Total Life, we understand the importance of senior mental health and are committed to providing quality virtual therapy services. Our licensed therapists have experience working with seniors and are trained in virtual therapy techniques. With original Medicare and most Medicare Advantage plans covering virtual therapy, we strive to make our services accessible and affordable for seniors. Don’t hesitate to prioritize your mental health – consider virtual therapy as a valuable tool in maintaining your overall well-being. Let us support you on your journey towards improved emotional and mental well-being. Remember, it’s never too late to seek help and take care of yourself.

Visit them today at Total or call 1 800 567 5433 and let the magic of Total Life redefine your holiday season. Because your well-being deserves a spotlight.