1
Contact Us
Reach out online or by phone. We'll verify your Medicare coverage and confirm your eligibility.
Online Therapy
for Healthier Aging
As we grow older, changes in health, relationships, and daily life can affect our emotional well-being. Total Life makes it easier to find support with licensed therapists who specialize in working with older adults.
- Up to 100% covered by Medicare
- Flexible sessions that fit your life
- Feel heard and supported from home
Lily is Total Life's AI wellness coach, here for everyday support and answers. She is not a medical provider and does not replace therapy.
Medicare-covered
Covered by Medicare and most major plans
How It Works
Getting Started is Simple
2
Find Your Match
We'll connect you with a therapist who understands your needs. 92% of members stay with their first therapist match.
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Start Your Journey
Meet by phone or video and begin building the tools to feel better.
Why Online Therapy Can Help
Therapy isn't just for crises. It's for life.
As we age, therapy becomes a powerful resource to help us navigate change, whether it's loss, loneliness, stress, or major life transitions. For many older adults, it's also a way to keep growing.
Convenience
No travel or waiting rooms; meet from the comfort of home.
Flexibility
Sessions scheduled around your day.
Privacy
Talk openly from your own space.
Coverage
Services often 100% covered by Medicare, with little or no out-of-pocket cost.
Our Therapists Understand
Depression & Anxiety / Grief & Loss / Life Transitions & Retirement / Cognitive Decline, Memory Concerns & Caregiver Stress / Chronic Pain & Illness / Loneliness & Isolation
Our Matching Process & Therapy Options
Behind every Total Life session is a licensed professional who specializes in supporting older adults. We'll talk with you about your needs, then recommend the right kind of therapy.
Total care for healthier aging with virtual mental health experts, covered by Medicare.
Call 1-800-567-LIFE10,000+
Older adults helped
100,000+
Sessions led
92%
Stay with first match
Why Our Clients Choose Total Life
Total Life has served over 10,000 adults and led over 100,000 sessions.
Dr. Tim Calvin has been a God Send. He is a kind, gentle and humorous man.
Read Reynold’s full storyShow less
Dear Total Life. Thank you for your wonderful service of therapy for the elderly. I had been searching for some time for therapy services for the elderly. I kept running into roadblocks until I ran across Total Life on the internet.
I had been an MSW/LCSW for 54 years and a BSW for 11 years before that. Yes, I will be 87 a few days from now. I just fully retired on March 31, 2026. I found myself drifting in the middle of Lake Michigan for some months until I found Total Life and realized there was a group of therapists reaching out to Medicare patients.
I was really fortunate I had not found someone before Total Life. I have been working on Erikson’s last stage of life and addressing the new life situations that “old age” has brought knocking. I find this a more pleasant experience compared to earlier therapy addressing the traumas and problems of growing up, plus the stress of relationships, children, addiction, financial, education and work.
A giant “THUMBS UP” for Total Life and Tim (Dr. Calvin).
Reynold Wolter
Total Life member · Working with Dr. Tim Calvin · MSW/LCSW (retired, 54 years) · Age 87
Online Therapy
What to know about online therapy and insurance.
Online therapy is a licensed mental health service delivered by phone or video, covered by Medicare and most major insurance plans the same way in-person therapy is covered. Total Life is an online therapy platform that specializes in adults 65 and older, and accepts Medicare as a primary insurer.
Medicare Part B covers outpatient online therapy at 80% after your annual deductible. Most Total Life members with a Medicare Advantage or Medigap supplement plan pay $0 per session. We verify your coverage before your first appointment at no charge, so there are no billing surprises.
Unlike general-population online therapy platforms, Total Life therapists are licensed clinicians who specialize in the mental health needs of older adults: depression, anxiety, grief, chronic illness, caregiver stress, and life transitions. Sessions work on any phone or computer. No app download is required.
Is online therapy covered by insurance?
Yes. Medicare Part B and most major insurance plans cover online counseling sessions at the same rate as in-person therapy. Total Life confirms your specific coverage before you start.
How do I find an online therapist that takes Medicare?
Every therapist in the Total Life directory is licensed and enrolled with Medicare. You can browse therapists at totallife.com/therapists or get matched by a care coordinator.
What is the difference between online therapy and online counseling?
The terms are often used interchangeably. Online therapy and online counseling both refer to licensed mental health sessions delivered remotely. Total Life provides both individual therapy and counseling services by phone or video.
How quickly can I see a virtual therapist?
Most Total Life members are matched with a licensed therapist and scheduled for their first session within 48 hours. Call 1-800-567-LIFE or check coverage online to get started today.
Take the First Step
Your journey to better mental health starts here.
Lily is Total Life's AI wellness coach, here for everyday support and answers. She is not a medical provider and does not replace therapy.