Is Therapy Covered by Insurance?

Christian Worstell
In this article...
  • Learn what types of mental health care are covered by Medicare, how often you can access therapy and if you can combine insurance plans for more coverage.
A woman talks seriously with her therapist

If you're a Medicare recipient, it can be difficult to determine exactly what's covered under your plan. If you require counseling or other mental health services, you're probably wondering if Medicare covers therapy or not. 

Does Medicare Cover Therapy? 

Yes, Medicare does help pay for therapy and a variety of other mental health services.

However, it's important to note that to receive this coverage, beneficiaries must be enrolled in Medicare Part B, which includes both medically necessary and preventative services for its members.

Additionally, there are some limitations to the services that can be accessed, and beneficiaries may be required to pay a deductible and a co-pay, depending on the service they access.

Covered Services

Medicare Part B can help to pay for a variety of therapies and related services. That includes:

  • Individual and group therapy when provided by licensed professionals.
  • Family counseling.
  • Annual depression screenings.
  • Psychiatric evaluations.
  • Diagnostic testing related to mental health conditions.

Additionally, Medicare Part B covers a portion of the cost for those who require partial hospitalization. These services are covered for those who require therapy due to drug or alcohol addictions.

Coverage Amounts and Co-Pays

While some services are covered fully, such as depression screenings, others may require the beneficiary to pay 20% of the Medicare-approved amount. That includes visits to a healthcare provider to diagnose mental health conditions. Services that are provided by hospital outpatient services may be subject to additional co-pays. 

Co-pays can be reduced by combining Medicare with other insurance plans. 

Provider Exceptions

While Medicare Part B does cover partial costs of therapy and other mental health services, it does require that this care is provided by a licensed healthcare professional, such as a psychiatrist, clinical social worker or nurse practitioner. Additionally, services must be provided in a healthcare provider's office, hospital outpatient department or a community mental health center.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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