Does Medicare handle coverage for telemedicine mental health therapy?

Question

Mike Alexander · Accepted Answer

If you meet certain conditions and are unable to drive to the Drs office, telemedicine will be covered

Daniel Brechin · Answer

Yes telemedicine is covered in most plans.  Medicare Advantage plans cover it.  Medicare Advantage plans have covered this for years.

Christopher Boyd · Answer

Telemedicine is covered per Medicare deductibles and co-pays. However, Medicare Advantage plans may or maynot cover any medical providers, always verify all providers are in the plan networks as applicable.

Answered by Christopher Boyd on November 8, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

James Carlson · Answer

A more difficult question. it would depend on the plan, the doctor, the theapy and if the diagnosis is benefited by coverage. If covered by a Medicare Supplement the coveerage would be better clarified. Advantage Plans could have less benefits.

Answered by James Carlson on November 10, 2025

Broker Licensed in MN

Answered by James Carlson Medicare Insurance Agent

Darlene Murphy · Answer

Yes, the absolutely handle telemedicine calls and mental health counseling. Both original under Part B and Medicare Advantage plans cover these services.

Jo Gallo · Answer

It depends on the type of Medicare you have.  Please contact me and I will explain - Jo Gallo.

Rick Boyd · Answer

Medicare normally covers mental health therapy with a telehealth option regardless if you live in a rural area or not. For other non behavioral health telehealth options after January 31 2026, the rules will change to require persons to be in a medical facility and a rural area. Check with Medicare.gov for a full description of the changes.

Answered by Rick Boyd on January 5, 2026

Broker Licensed in KY, AZ, CA & OH, TN, TX & UT

Answered by Rick Boyd Medicare Insurance Agent

Heidi Wotton · Answer

Yes. Medicare does cover mental health therapy by telehealth. You can talk with a licensed therapist or mental health professional by phone or video, as long as they accept Medicare or are in-network with your plan.

Answered by Heidi Wotton on November 8, 2025

Agent Licensed in ME, FL, LA & 7 other states

Answered by Heidi Wotton Medicare Insurance Agent

Steven LaPorte · Answer

With limited information, It does cover  mental health conditions and therapy but may be limited to certain services and frequency of visits, depending on the Medicare plan you’re enrolled in.

Jack Mayer · Answer

My quick answer is if any service is covered under Medicare or is an approved service under Medicare then yes it is covered.

Pat Papson · Answer

Hello
Many plans have great coverage for mental health, in person and telemetry

Best to find a local Agent to review our different plans
Hope this helps

Adam Ernst · Answer

I know that this is a current type of care that is being focused on with Medicare, but I am not sure. I know that some Medicare Advantage carrier have this type of care in their coverage. That would be something you would be able to look at with a Medicare agent to see the summary of benefits for each plan.

Answered by Adam Ernst on November 8, 2025

Agent Licensed in NC, SC & TN

Answered by Adam Ernst Medicare Insurance Agent

Patrick Stinson · Answer

Hey there! To answer your question, it depends on what you have. I have a Medicare advantage plan and out of the $125 bill, I only pay $30. I hope this helps! Have a blessed day!

Marta Iris González · Answer

Yes!
Medicare Part B covers telehealth visits for mental health and substance use disorder services — including therapy and counseling — when provided by:
 Psychiatrists
Clinical psychologists
Licensed clinical social workers and counselors

You can receive care from your home, a clinic, or another approved location using video (and in some cases, audio-only) telehealth.

As of now, these telehealth mental health services remain covered through at least the end of 2026, thanks to recent Medicare extensions.
This means you can continue getting the support you need — safely and conveniently — wherever you are.

John Weaver · Answer

Medicare does provide for telemedicine mental health therapy, utilizing therapists, marriage and family counseling, social workers, and someone licensed for the condition. Medicare is an 80/20 plan, so the cost per session could be the remaining amount not covered by Medicare.

Answered by John Weaver on November 8, 2025

Broker Licensed in CA, AZ, IL & 7 other states

Answered by John Weaver Medicare Insurance Agent

Michelle Walls · Answer

Telehealth can provide many services that generally occur in-person, including office visits, psychotherapy, consultations, and more. Through December 31, 2027, Medicare covers telehealth services that you can get from anywhere in the U.S., including your home. Examples of Medicare-covered telehealth services include:

Advance care planning
Cardiac rehabilitation services
Caregiver training services
Cognitive assessments
Depression screenings
Diabetes self-management training
Medical nutrition therapy services
Outpatient psychotherapy
Pulmonary rehabilitation services
Speech therapy
Medicare may cover more telehealth services than those listed above. Check with your doctor or other health care provider for more information about the services you can get through telehealth.

Does Medicare handle coverage for telemedicine mental health therapy?

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Does Medicare handle coverage for telemedicine mental health therapy?

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