Best Therapists That Will Accept Medicare (2021)

When it comes time to find therapists that accept Medicare, you may already be in a stressful situation. That being said, you can find affordable therapists that accept Medicare, so there's no need to stress. There are quotes for therapists that accept Medicare that is only 20% of the cost for services rendered.

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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 are therapists available that accept Medicare
  • You can find them using a couple easy tools
  • There are costs associated with seeing a therapist

Life has been difficult for a lot of people lately, so no one will fault you for seeking some additional help. The Medicare health insurance program offers affordable coverage to seniors for a wide variety of mental health services.

While you research the rates for therapists that accept Medicare, enter your ZIP code to see what you could pay at other insurers.

How to Find Therapists That Accept Medicare

When you’re going through a tough time, you may need some additional help in getting everything sorted out. To that end, Medicare provides coverage for a variety of mental health needs, including covering a wide variety of therapists.

To find a therapist that will accept Medicare, you’ll need to access one of the databases that have the doctor’s information and their coverage status under Medicare. You can do this in the following couple of ways:

  • – Using the Physician Compare tool, you can look at multiple mental health providers and the cost of visiting them
  • Medicare Card – On the back of your Medicare insurance card, you’ll likely find a number that you can call to get coverage

In addition, you can also ask around in your peer group to recommend some providers they’ve had positive experiences with. There are bound to be a few options that you can choose from to give you the choice of the best care for you.

Similarly, if you’re looking for a therapist that accepts Medicaid, there are comparison tools that you can use to find treatment.

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Medicare Mental Health Coverage Basics

Medicare is a great program that provides affordable healthcare coverage for eligible seniors within the United States. There are a variety of mental health services covered under Medicare and they can help most seniors get the treatment they need.

How Medicare Can Help Seniors

When a health insurance company is underwriting a policy, they will determine the client’s rates depending on what their current health looks like. For seniors, this can be a cost comparison, as we all face new health challenges as we age.

To an insurer, a senior person serves as a higher likelihood that they’ll have to pay out many more claims. So normally an insurer will give seniors higher rates for basic levels of coverage. Medicare is a government-funded solution to this problem that provides affordable coverage for seniors.

Medicare Cost for Mental Health Services

While it may be a partially government-funded program, you’ll still have to pay for Medicare when you turn 65. In addition to your monthly rates, you’ll also have to pay for copays, coinsurance, deductibles, and maybe even a portion of the services rendered.

According to, some of the associated costs with getting Medicare coverage for mental health services include:

  • Medicare Part B Deductible
  • 20% of services rendered
  • Co-pay

In addition to your monthly rates, these are the costs you will face when you begin seeking mental health treatment through Medicare. To find affordable therapists that accept Medicare, you’ll want to make sure you compare all the options in your area.

Medicare Four-Part Coverage

To better process the claims that come through, Medicare is split into four parts. These four parts allow for the insurer to get through information more quickly, with the added benefit of making specific legislation and funding easier.

These four parts of Medicare are split into:

  • Part A – This covers inpatient hospital stays and some tests
  • Part B – Covers your doctor’s visits outside of the hospital, extends to therapy and other preventative services
  • Part C – The Medicare Advantage plan allows you to receive Part A and B coverage through a private insurer
  • Part D – Prescription drug coverage as well as any doctor-prescribes vaccines

With this comprehensive coverage, you can get the treatment you need to get back out there and enjoy your life.

Frequently Asked Medicare Therapy Questions

Insurance can be complicated and Medicare is no different. Below are some frequently asked questions that I may have while looking for Medicare counseling near me.

Does Medicare cover psychologists?

Psychology is the study of the mind and behavior and a practicing physician can help you get your mental state in check. If you’ve been dealing with an abundance of stress or new responsibilities, a psychologist can help you get things sorted out.

To find out if your psychologist takes Medicare, use the Physician Compare tool on the insurer’s official website.

Does Medicare cover inpatient psychiatric visits?

Under your Medicare Part A coverage, you’re covered for your costs for inpatient visits. That being said, you’ll still likely have to pay your deductible and any other associated costs once your stay is completed.

Does Medicare cover therapy for depression?

Not only does Medicare cover the variety of services that can help with depression, some services offer a free yearly depression screening to find out where you stand. If you’re feeling more glum or lethargic in general, then this could be something that helps you.

Therapists That Accept Medicare: The Bottom Line

When you begin looking for a new therapist, you may be concerned about coverage and what the cost will end up being. However, you shouldn’t worry too much since Medicare offers a variety of services to take care of your mental health needs.

If you’re finished researching the quotes for therapists that accept Medicare, enter your ZIP code into our free quote tool to see what you could pay.

Are you looking for free insurance quotes?

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

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