Stella Kerl-McClain
Licensed Psychologist
29 years of experience licensed in Oregon. Stella brings deep clinical wisdom and a steady, experienced hand to the mental health of older adults.
Read full bioSenior Mental Health
Therapy for Seniors: Online Mental Health Support Covered by Medicare
Licensed therapists who specialize in older adults. Covered by Medicare. By phone or video from home.
50
states served
$0
for most patients
Licensed
specialists
48 hrs
to match
What We Treat
Common mental health challenges for older adults
Mental health challenges affect millions of older adults and often go untreated. Total Life therapists specialize in the conditions that are most common and most impactful after 65, and they are trained to recognize how these conditions can look different in older adults than in younger populations.
Depression
Often unrecognized in older adults, depression responds well to therapy when treated early.
Learn moreAnxiety
Worry, sleep disruption, and chronic tension are common and treatable in older adults.
Learn moreGrief and Loss
Losing a partner, friend, or sense of purpose requires support that therapy is uniquely suited to provide.
Learn moreCaregiver Stress
Caring for a loved one takes a real toll. Therapy helps caregivers sustain their own wellbeing.
Learn moreChronic Illness
Living with ongoing health conditions affects mood and identity. Therapy provides real support.
Learn moreCognitive Change
Concerns about memory and thinking deserve compassionate, specialized support.
Learn moreLife Transitions
Retirement, relocation, and loss of independence are major shifts that benefit from professional support.
Learn moreTrauma
Unresolved trauma and late-life stress can surface at any age and respond to evidence-based therapy.
Learn moreCoverage
Why Medicare covers therapy for seniors
Medicare Part B covers outpatient mental health services, including individual therapy sessions with a licensed therapist. After meeting your annual deductible, Medicare typically covers 80 percent of the approved cost. With a Medigap supplement plan, the remaining 20 percent may also be covered, meaning therapy costs you nothing at all. Most Total Life patients pay $0 per session.
Medicare Advantage plans, which are offered by private insurers as an alternative to Original Medicare, often cover therapy at a $0 copay as well. Total Life accepts most major Medicare Advantage plans. If you are unsure what your plan covers, we confirm your exact benefits in 90 seconds before your first appointment. You will never receive a surprise bill. For a detailed breakdown of what Medicare covers for mental health, visit our Medicare mental health coverage guide.
Getting Started
How it works: 3 steps
1
Share what you are looking for
Answer a few simple questions about your situation, what you want to work on, and whether you prefer phone or video sessions.
2
We confirm your Medicare coverage
We verify your plan in 90 seconds at no cost to you. No guesswork, no paperwork, no surprise bills.
3
You are matched within 48 hours
We match you with a licensed therapist who specializes in older adult mental health. Your first session can happen from home.
Meet Our Providers
Licensed therapists who specialize in older adults.
Julia Storch
Licensed Psychologist
Licensed in California and additional states, Julia brings a thoughtful and research-informed approach to supporting older adults with anxiety, depression, and life transitions.
Read full bio
Lisa Tobin
Licensed Psychologist
32 years of experience licensed in California and additional states. Lisa's career-long focus on older adults gives her a rare depth of understanding for this stage of life.
Read full bioResources
Online therapy resources for older adults
Guide
Does Medicare Cover Online Therapy?
A plain-language explanation of what Medicare covers, what you pay, and how to get started.
Guide
How to Find a Therapist That Accepts Medicare
Step-by-step guidance for finding and connecting with a Medicare-enrolled therapist.
Guide
How Much Does Therapy Cost?
What therapy costs without insurance, with Medicare, and with Medicare Advantage plans.
Common Questions
Frequently asked questions
Is therapy covered by Medicare for seniors?
Yes. Medicare Part B covers outpatient mental health therapy including individual sessions with a licensed therapist. After your annual deductible, Medicare covers 80 percent of the approved cost. Most Total Life patients pay $0 per session.
What type of therapy is best for older adults?
Individual therapy using approaches like cognitive behavioral therapy (CBT), grief counseling, and supportive therapy are all effective for older adults. Total Life therapists are trained in these modalities and have specific experience working with adults 65 and older.
How do seniors access online therapy?
Total Life offers therapy by phone or video. Older adults with Medicare can call 1-800-567-LIFE or get started at totallife.com. No app or advanced tech skills are required for phone sessions. Just a working phone and a comfortable place to talk.
Can a senior get therapy without leaving home?
Yes. Total Life delivers all sessions by phone or video. There is no commute, no waiting room, and no need to arrange transportation. Most Medicare-eligible patients pay $0 and can be matched with a therapist and start within 48 hours.
Therapy built for older adults. Covered by Medicare.
Licensed specialists. $0 for most patients. Get matched within 48 hours.