Medicare Therapy
If you or a loved one has Medicare, mental health therapy may be covered at little or no cost. Medicare Part B pays for outpatient therapy, including video sessions from home. Most Total Life patients pay $0 out of pocket.
Coverage
Yes. Medicare Part B covers outpatient mental health services, including individual therapy, group therapy, family counseling, and psychiatric evaluation. According to the Centers for Medicare and Medicaid Services, mental health services are covered at the same rate as other medical visits under federal parity law.
After you meet your Part B deductible, Medicare pays 80% of the approved amount for therapy. Many Medicare Advantage and Medigap supplement plans cover the remaining 20%, which is why the majority of Total Life patients pay $0 per session.
Telehealth therapy (video sessions from your own home) is covered by Medicare for mental health. You do not need to live in a rural area. Visit cms.gov/medicare/coverage/telehealth for current rules.
80%
Covered by Medicare Part B after deductible
Source: CMS.gov
$0
Out-of-pocket cost for most Total Life patients
With supplement or Advantage plan
48h
Average time to first session with Total Life
No waitlists
What's included
Research published in JAMA Psychiatry found that consistent access to outpatient therapy significantly reduces hospitalization rates and improves long-term mental health outcomes in older adults.
Provider types
Not every therapist is enrolled in Medicare. To bill Medicare directly, a provider must be a licensed, Medicare-enrolled mental health professional. These are the credential types that qualify:
Licensed Clinical Social Worker (LCSW)
Most common type of Medicare-enrolled therapist
Licensed Professional Counselor (LPC)
Licensed for individual and group therapy
Licensed Marriage and Family Therapist (LMFT)
Includes couples and family sessions
Psychologist (PhD or PsyD)
Advanced assessment and therapy
Psychiatrist (MD or DO)
Can also prescribe medication
Nurse Practitioner (mental health specialization)
Therapy and medication management
At Total Life, every therapist on our platform is a licensed clinician enrolled with Medicare, credentialed specifically to serve adults 65 and older. Browse our therapist directory.
What we treat
Our licensed therapists specialize in the mental health challenges most common in older adults. According to the National Institute of Mental Health, depression alone affects an estimated 6 million Americans over 65.
How It Works
Platforms like Total Life specialize entirely in Medicare-covered mental health care. Every therapist is pre-verified as Medicare-enrolled. Check your coverage, get matched, and schedule your first session, all from home.
Check my coverage at Total LifeMedicare's Care Compare tool at medicare.gov/care-compare lets you search for Medicare-enrolled providers by location and specialty. Filter for "mental health" and your zip code.
Your primary care physician can refer you to a Medicare-enrolled therapist. A referral is not required for Medicare Part B, but your doctor may know providers in your area who specialize in older adult mental health.
Meet Our Providers
Licensed Clinical Social Worker
20 years of clinical experience licensed in Ohio, Tennessee, Kentucky, and beyond. Megan meets older adults where they are with evidence-based care.
Read full bio
Licensed Clinical Social Worker
18 years of experience licensed in New Jersey and additional states. Mary Kay brings deep expertise in supporting older adults through life's most complex transitions.
Read full bio
Licensed Therapist
Person-centered and thoughtful, Jessica specializes in later-life transitions, grief, and chronic health conditions — always with deep respect for each client's story and autonomy.
Read full bioMost patients pay $0 out of pocket.
Covered by Medicare. Licensed therapists who specialize in adults 65+. Matched within 48 hours.
Check My Coverage: FreeCommon questions
Total Life is a Medicare provider. We are not affiliated with, endorsed by, or part of Medicare or any government agency.
