Medicare-Covered Therapy: Here’s What You Need to Know

Taking care of your mental health is just as important as looking after your physical well-being, especially as you age. If you’re wondering whether Medicare can help cover the costs of therapy, the answer is yes! Medicare Part B includes coverage for outpatient mental health services, making it easier for older adults to access the care they need. Let’s break it down so you know what to expect.

What Types of Therapy Does Medicare Cover?

Medicare Part B covers a range of therapy services to support your mental health, including:

• Individual and Group Therapy
  Medicare helps cover therapy sessions with licensed mental health professionals. Whether you prefer one-on-one sessions for personalized care or group therapy to connect with others facing similar challenges, you can find support that works for you.
• Family Counseling
  If your therapy involves family members to help support your treatment, Medicare will cover these sessions too. This can be a valuable way to involve loved ones in your care journey.
• Crisis Support
  Medicare covers emergency mental health services if you’re experiencing a crisis and need immediate help.

Who Can Provide Therapy Covered by Medicare?

Therapy sessions must be provided by a licensed mental health professional, such as a psychologist, psychiatrist, clinical social worker, or licensed therapist. At Sailor Health, we work with licensed therapists who specialize in geriatric mental health, ensuring you receive the care you need from professionals who understand the unique challenges of aging.

What Are the Costs?

Here’s how Medicare costs typically work:

• Annual Deductible: You’ll need to meet your Part B deductible before coverage kicks in.
• Coinsurance: After the deductible, you’ll usually pay 20% of the Medicare-approved amount for therapy sessions.
• Hospital Outpatient Services: If you receive therapy in a hospital outpatient setting, there may be additional copayments.

Many Medicare Advantage (Part C) plans also include therapy coverage, often with lower out-of-pocket costs.

How Sailor Health Makes It Easier

At Sailor Health, we know navigating Medicare can be confusing, so we’re here to help. Our services are covered by Medicare, and our team can guide you through the process of understanding your benefits, setting up sessions, and ensuring therapy fits seamlessly into your life. Our virtual platform makes accessing therapy simple and convenient—you can speak to a licensed therapist from the comfort of your home.

Why Therapy Matters

Therapy is a powerful tool to help you navigate life’s challenges - whatever they may be. Medicare’s coverage ensures that financial concerns don’t stand in the way of your mental health care.

Taking care of your mind is one of the best investments you can make in your overall well-being. If you’re ready to explore therapy options, click on "Get Started"! Sailor Health is here to support you every step of the way.