Get mental health care covered by Medicare. Find in-network and out-of-network Medicare therapists. Compare platforms and pricing.
Yes, Medicare covers mental health therapy and psychiatric care. Coverage includes:
Most Medicare plans have a copay of $15-$50 per therapy session. Some plans cover therapy after meeting your deductible. Check your specific plan documents for exact amounts.
Medicare has an extensive network of in-network therapists and psychiatrists. Using in-network providers typically saves money and reduces your out-of-pocket costs.
Use Medicare's provider search or call 1-800-MEDICARE to find in-network mental health providers.
| Platform | Medicare Accepted | Price Range | Get Started |
|---|---|---|---|
| BetterHelp | ✗ | $60-$100/week | Visit |
| Talkspace | ✗ | $65-$99/week | Visit |
| Grow Therapy | ✗ | $30-$100/week (varies by insurance) | Visit |
| Alma | ✗ | $0-$300/session (sliding scale) | Visit |
| Cerebral | ✗ | $40-$80/week | Visit |
Check with each platform for current Medicare acceptance. Coverage may vary by location and plan.
Use Medicare's provider directory or call their customer service to find mental health professionals (therapists, psychologists, psychiatrists) in your area who accept Medicare.
Contact the provider directly to schedule your first appointment. Many providers can see you within 1-2 weeks.
At your first appointment, bring your Medicare member ID card and any required paperwork. You'll pay your copay at the visit.
Work with your therapist on goals and treatment. Most insurance plans don't have session limits - treatment continues as long as medically necessary.
Yes, Medicare Part B covers mental health services including therapy, counseling, and psychiatric care.
You pay 20% of the Medicare-approved amount after meeting your Part B deductible. Most people pay $20-$50 per session.
You don't need a referral to see a therapist or psychologist directly. Some psychiatrists may require referrals.
Yes, Medicare covers virtual mental health visits. Eligibility and copays depend on your plan and location.
Medicare doesn't have annual visit limits for therapy. Coverage is based on medical necessity.
Use our matching quiz to find therapists in your area who accept Medicare insurance.
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