Jupiter, FL - Sept 1, 2025 - With Medicare’s Annual Open Enrollment Period coming up soon, millions of older adults are searching for answers about mental health coverage. To address this growing need, Total Life, the nation’s leading teletherapy platform for seniors, has released its 2025 Guide to Medicare Mental Health Benefits, clarifying what Original Medicare and Medicare Advantage plans actually cover.
According to mental health experts at Total Life, therapy is one of the most valuable — yet underused — benefits available to seniors. Despite unlimited coverage for outpatient therapy and flexible rules that allow audio-only phone sessions, few older adults take full advantage of these services. Research shows that mental health support can drive better health and wellness outcomes.
“Older adults deserve care that meets them where they are,” said Neelam Brar, CEO of Total Life. “Our guide was created to help families cut through the confusion and understand how Medicare makes therapy affordable and accessible.”
Key Findings from Total Life’s 2025 Guide
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Unlimited sessions: Medicare Part B covers outpatient therapy without an annual cap, as long as sessions are medically necessary. 80% is covered through Original Medicare and many medigap plans will often cover the remaining 20%.
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Teletherapy is covered: Both video and audio-only phone sessions are included, removing barriers for seniors without internet access.
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Medicare Advantage parity: All Medicare Advantage (Part C) plans must cover at least what Original Medicare does, though some add hurdles like prior authorizations, closed networks, copays or cap sessions.
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Nationwide access: Seniors can use their Medicare benefits for therapy in all 50 states.
Why It Matters Now
During enrollment season, older adults face overwhelming choices about Medicare and Medicare Advantage. At the same time, the demand for mental health care is rising: depression and anxiety rates among seniors have increased significantly in the last five years, according to national studies.
“Understanding coverage is the first step to getting help,” added Brar. “This isn’t just about insurance — it’s about ensuring older adults don’t struggle alone when therapy is already a covered benefit.”
Medicare & Therapy FAQs (From the Guide)
Q: Does Medicare cover therapy sessions? A: Yes, outpatient therapy sessions are covered under Medicare Part B.
Q: How many therapy sessions will Medicare pay for? A: There is no strict yearly limit. Coverage continues as long as therapy is medically necessary.
Q: Does Medicare pay for therapy over the phone? A: Yes. Audio-only teletherapy is covered.
Q: What’s the difference between Medicare and Medicare Advantage for therapy? A: Both cover therapy. Medicare Advantage may include extras like lower/higher copays or smaller/larger networks depending on HMO versus PPO.
Q: Can seniors access therapy nationwide? A: Yes. Therapy is covered across the U.S., and platforms like Total Life make it easy to start.
About Total Life
Total Life is the nation’s leading teletherapy platform designed exclusively for older adults. With licensed therapists in every state and audio-only sessions available by phone, Total Life makes Medicare-covered mental health care accessible, affordable, and stigma-free. The company has delivered more than 100,000 therapy sessions nationwide and continues to lead innovation in senior mental health access.
Media Contact
Company Name: Total Life
Contact Person: Lily Green
Email:Send Email
Country: United States
Website: totallife.com
