Does Medicare Cover Therapy? Find Counselors Near You

If you’re wondering whether Medicare covers therapy, the answer is yes — but there are key details to understand. Medicare Part B helps pay for outpatient mental health services, including therapy and counseling. That means you can see a licensed clinical social worker, psychologist, or psychiatrist and have Medicare cover part of the cost.

To be eligible, the provider must accept Medicare. This is where it gets tricky. Not every counselor near you will take Medicare, so finding the right one can take a bit of research. A good starting point is Medicare’s online provider search tool, or you can ask your primary doctor for a referral.

If you search “Medicare counselors near me,” you’ll likely find a mix of professionals. Make sure they’re credentialed and listed as Medicare-approved. Also, check whether they specialize in the kind of help you need — whether it’s anxiety, depression, grief, or managing a chronic illness.

Medicare also covers teletherapy, so if you can’t find someone locally, virtual options are available. This opens the door to more flexibility, especially for those living in rural areas.

Here’s the bottom line: Medicare covers therapy, but you need to be proactive in finding counselors who accept it. Look for licensed professionals who are Medicare-approved and specialize in your needs. Whether in-person or online, mental health support is more accessible than ever — you just need to know where to look.

Quick Tips:

• Use Medicare’s “Find Care” tool to locate counselors near you.

• Confirm your provider accepts Medicare before booking.

• Ask about virtual options if in-person isn’t feasible.

Mental health care isn’t a luxury — it’s essential. And with Medicare, it’s also within reach.