Best Psychologists That Will Accept Medicare (2021)

When you're going through a tough time, you may be stressed while you try to find psychologists that accept Medicare. You shouldn't worry though as you can likely get more than a few quotes for psychologists that accept Medicare that are affordable. See how you can get rates for psychologists that accept Medicare that are only 20% of the approved amount today.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Dec 14, 2021

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The Highlights

  • There should be options to choose from locally
  • You can also get mental health services online
  • Some yearly mental health services are provided for free

When you’re going through a tough time, it may feel like you have no one to turn to. That doesnt have to be the case anymore with the help of psychologists that accept Medicare. With this health insurance program, you can see a psychologist in person or from the comfort of your couch.

While researching quotes for psychologists that accept Medicine, why not enter your ZIP code into our free quote tool to see what you could pay at other insurers.

How do I find mental health providers that accept Medicare near me?

If you’re new to your Medicare policy or just need to brush up on the doctors in your area, there are a couple of options in finding providers. For instance, you can access a database of current physicians using’s Physician Compare tool to find local providers.

A curious Medicare patient can also locate the number on their insurance card, which will connect them to an operator who can help them find Medicare mental health providers.

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Therapy Options With Medicare

Therapy can help with a wide variety of mental health needs that may arise. Whether you have some anxiety or just need to get some things out in the open, your Medicare assignment can offer the coverage to get you the help you need.

In recent years, insurance companies have seen a large increase in the need for remote and distanced options to provide healthcare. To this end, you can now be covered to see a remote therapist, as long as they are still within your network.

Online vs. In-Person Therapy

Online therapy can feel pretty different from in-person therapy. While with in-person therapy, you may be placed in a new environment, an online session can help you feel more comfortable.

That being said, if your home environment is the issue, it makes sense that you would want to be able to talk to someone in an environment that’s free of negative influence.

This has only come in recent years, and according to, saw an increase in availability beginning in 2020. Some of the changes to telehealth in Medicare were:

  • Telehealth services at renal dialysis facilities and home
  • Emergency department visits supported
  • Physical and occupational therapy at home
  • Audio only services
  • Virtual check-ins and e-visits supported

Due to the limitations that the pandemic put on gathering together in indoor spaces, many insurers have created more availability for telehealth services. Medicare is no exemption to this list and may very well see more online services offered in the future.

What mental health options are available with Medicare?

Medicare will provide coverage for you as long as you are seeing a psychologist and psychiatrist within the network. In addition, Medicare also offers periodic screenings that can help you stay in tune with your mental health.

That doesn’t mean this comes for free, and there are some costs when you begin receiving treatment. Some of these mental health costs include:

  • Free yearly depression screening
  • 20% of Medicare-approved amount
  • Copayment/Coinsurance

Medicare costs may be more than one expects, but it likely pales in comparison to what other health insurers would charge for someone in their senior years.

Medicare Mental Health Basics

Medicare is a great program that has helped many seniors as they age. However, while it may be a partially funded program by the government, you will still have to pay for Medicare when you turn 65.

Medicare can be broken down into four parts which designate which coverage you can receive based on your assignment.

Medicaid, while having a similar name, is the health insurance program that qualifies for low-income individuals. It also offers help to provide mental health services to its patients.

Medicare Four Parts

Medicare can be broken down into four parts that designate which coverage you get. This helps doctors and the insurer to process the claims more quickly. The four parts are split up as follows:

  • Part A – Covers inpatient treatment at a hospital
  • Part B – Outpatient treatment and some mobility equipment
  • Part C – Medicare Advantage, allows Medicare coverage through private insurers
  • Part D – Prescription drugs and necessary vaccines

With these different parts, a doctor can better know what you are covered for and how to give you the best quality service without going outside of your coverage.

Medicaid and Therapy Services

If you’re searching for a therapist that accepts Medicaid, you can likely find one in similar ways as mentioned above. There are mental health providers available for those with Medicaid and many will be affordable as well.

Psychologists that Accept Medicare: The Bottom Line

Many mental health providers accept Medicare near me and most places in the country. This is because the majority of healthcare providers will be allowed to take the assignment.

If you’re looking done looking at rates for psychologists that accept Medicare, enter your ZIP code into our free quote tool to see what you could pay elsewhere.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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