When it comes to healthcare, most people know Medicare helps with doctor visits, hospital stays, and prescriptions. But what about mental health? If you or a loved one is struggling with anxiety, depression, or the challenges of aging, you may be wondering: Does Medicare cover therapy?

The short answer: Yes, Medicare covers therapy—but there are some important details to understand.

What Therapy Services Does Medicare Cover?

Medicare Part B, which handles outpatient services, includes coverage for mental health treatment. That means beneficiaries can receive help from licensed professionals such as:

• Psychiatrists

• Clinical psychologists

• Licensed clinical social workers

• Some counselors, depending on credentials and state regulations

Covered services often include individual therapy, group therapy, family counseling, and psychiatric evaluations. Medicare also covers certain telehealth therapy sessions, making it easier for seniors to get care from home.

Costs to Expect

Even though Medicare covers therapy, it doesn’t always make it free. Typically, you’ll pay:

• Your Part B deductible (once per year)

• 20% of the Medicare-approved amount for each session

• Any copay or coinsurance required by supplemental coverage

If you have a Medicare Advantage plan, costs and coverage details may vary. Always check with your plan provider to avoid surprises.

Finding the Right Counselor

Knowing Medicare covers therapy is only half the battle—finding a provider you trust is just as important. Many seniors and families search for medicare counselors near me to locate local professionals who accept Medicare and understand the unique needs of older adults.

It’s also smart to ask about specialties. Some therapists focus on grief counseling, while others are experienced in helping with depression, trauma, or managing chronic illness. Exploring your options—whether online or by searching medicare counselors near me—helps ensure you find the right fit.

Why It Matters

Mental health isn’t something to put off. Therapy can improve quality of life, strengthen family relationships, and provide tools to handle the stresses of aging. And since Medicare covers therapy, seniors no longer have to view mental health support as out of reach.