Best Therapists That Accept Medicare (2025)
Navigate the complex landscape of Medicare-accepting therapists with ease as we provide valuable insights on specialties, experience, and patient reviews with Best Therapists That Accept Medicare. Whether you're seeking counseling, psychotherapy, or other mental health services, our guide will help you make informed decisions for your well-being. Don't miss out on the support you deserve.
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Insurance and Finance Writer
Imani Francies is a finance and insurance writer who has strong media and communication skills with a bachelor's degree from Georgia State University. She began her writing career freelancing with various blogs and internships while working full-time as an early childhood educator. She has significant experience in both print and online media as a writer, editor, and author. She works efficient...
Imani Francies
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Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Kristine Lee
Updated May 2023
Welcome to our comprehensive guide on finding the best therapists that accept Medicare. We will explore the key topics surrounding therapists who accept Medicare, including specialties, experience, and patient reviews.
- About 10% of seniors who need home health care or hospitalization suffer from depression, and 51.5 million Americans struggle with mental health issues
- Medicare Part A and B cover inpatient and outpatient services
- Medicare mental health services cover conditions like depression, anxiety, eating disorders, and dementia
We encourage you to enter your zip code below to compare rates from the best insurance providers and discover therapists accepting Medicare near you. Take the first step towards prioritizing your mental well-being today and find the support you deserve.
Therapists That Accept Medicare
In 2019, 51.5 million adults were affected by some form of mental health issue. This includes depression, anxiety, mood disorders, dementia, and eating disorders.
About 10% of seniors who require either home health care or hospitalization experience depression. Because there are millions of Americans covered by Medicare and mental health care is important to seniors, they can easily find a therapist.
Mental health issues are covered by Medicare Part B for outpatient services. Therapists work with Medicare for the following mental health services:
- Individual and group therapy
- Psychiatric evaluation
- Medication management
- Partial hospitalization
- Family counseling (if it’s deemed medically necessary as part of your treatment)
- Administration of medicine that can’t be taken by yourself (IV drugs, for example)
- Diagnostic tests
- Testing to see if treatment is helping
Additionally, Medicare allows for one free depression screening per year.
Affordable therapists that accept Medicare will sign off on the following conditions for Medicare:
- Alcohol misuse
- Obesity
- Wanting to quit smoking
- Hospice care
- General mental health care
- Sexually transmitted infections
- Cardiac rehab
- Nutritional therapy
While not as common, Medicare Part A also offers some coverage for mental health services. If you need to be hospitalized for any reason, Part A will cover it.
However, Medicare will only cover 190 days of hospitalization care for your entire lifetime.
What types of therapists are covered by Medicare?
The best insurance companies offer mental health coverage, Medicare included. As long as the therapy is considered medically necessary, Medicare will more than likely pay for at least part of it.
The medical professionals that work with Medicare include:
- Psychiatrists
- Clinical social workers
- Nurse practitioners
- Clinical psychologists
- Clinical nurse specialists
- Physician assistants
Medicare won’t cover certain types of therapists, including marriage counselors or pastoral therapy.
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How much do you pay with Medicare mental health coverage?
Even though all seniors over 65 are eligible for Medicare, you’re still responsible for part of the payments. You can find rates for therapists that accept Medicare by contacting their office.
For Medicare Part A, you’re responsible for a deductible ($1,408 in 2020 for each benefit period), a 20% coinsurance after you meet your deductible and copayments for hospitalization.
Copayments depend on how many days you’ve used:
- For 1-60 days, you pay $0
- Day 61-90, you’ll pay $352
- After day 91, you’re responsible for $704
- After day 190, you take on full responsibility
For Part B, you’ll have to pay for the cost of certain treatments and tests. You’re also responsible for 20% of the cost after you meet your deductible, which is currently $198.
If you have a Medicare Supplement (Medigap) plan, it can help cover out-of-pocket costs. Costs will also vary if you have a Medicare Advantage plan.
Therapists That Accept Medicare: The Bottom Line
Finding a therapist that accepts Medicaid or Medicare doesn’t have to be a challenge. When you’re struggling with your mental health, getting help fast is vitally important.
To help cover the cost of therapists that accept Medicare, you should consider a Medigap or Medicare Advantage plan. Enter your ZIP code into our free tool today to start looking at quotes for Medicare plans in your area.
Frequently Asked Questions
What is therapy?
Therapy, also known as counseling or psychotherapy, is a process of meeting with a trained mental health professional to talk about and work through personal issues and concerns.
What is Medicare?
Medicare is a federal health insurance program for people who are 65 or older, or who have certain disabilities. It helps cover the cost of a variety of medical services, including mental health services such as therapy.
Why is it important to find a therapist that accepts Medicare?
Finding a therapist that accepts Medicare can help ensure that you can afford the mental health treatment you need. Mental health services can be expensive, but Medicare can help cover the cost of therapy sessions and related services.
How do I find a therapist that accepts Medicare?
You can find a therapist that accepts Medicare by using the Medicare Physician Compare tool on the Medicare website. You can also ask for recommendations from your primary care physician or contact your local Medicare office for assistance.
What are some of the best therapists that accept Medicare?
Some of the best therapists that accept Medicare include Dr. Karen Adler at the Adler Therapy Group in New York, NY, Dr. Bethany Marshall at the Bethany Marshall Institute in Los Angeles, CA, and Dr. Susan Rudnick at the Rudnick Counseling and Psychotherapy Center in Chicago, IL.
What should I look for when choosing a therapist that accepts Medicare?
When choosing a therapist that accepts Medicare, you should look for a therapist who is licensed and experienced in the specific type of therapy you need, has good patient reviews, and accepts your specific Medicare plan. You should also consider the location of the therapist’s office and whether they offer services that fit your schedule and preferences.
What does Medicare cover for therapy?
Medicare covers a variety of mental health services, including therapy sessions, diagnostic tests, and medications. The specific coverage and costs may vary depending on your Medicare plan and the specific services you receive. It’s important to check with your Medicare provider to understand your coverage options.
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