Mental health therapy for senior citizens in Pennsylvania! Free therapy for Medicare members with available benefits. No co-pays if deductible has been met.

Free mental health therapy for seniors in Pennsylvania with Medicare

Find joy and purpose at Silver Lining Clinics.

To book a therapy appointment, call or text us at:

In-person and online appointments available

Free mental health therapy for seniors in Pennsylvania with Medicare
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Do you plan to use Medicare?
Free mental health therapy for seniors in Pennsylvania with Medicare

Free Mental Health Therapy for Senior Citizens in PA on Medicare
Kruti Quazi
MA LPC NCC CCTP CFTP CDBT
Free Mental Health Therapy for Senior Citizens in PA on Medicare
Maura Pinto
MS LPC
Free Mental Health Therapy for Senior Citizens in PA on Medicare
Troy Cohick
LCSW
Free Mental Health Therapy for Senior Citizens in PA on Medicare
Nicole Flanagan
MA LPC NCC
Free Mental Health Therapy for Senior Citizens in PA on Medicare
Desiree Pannier
LPC
Free Mental Health Therapy for Senior Citizens in PA on Medicare
Mikala Thomas
LPC
  • Depression
  • Anxiety Disorders
  • Dementia
  • Alzheimer’s Disease
  • Parkinson’s Symptoms
  • Grief and Bereavement
  • Loneliness
  • Social Isolation
  • Sleep Disorders
  • Insomnia
  • Substance Abuse
  • Alcohol Dependency
  • Chronic Stress
  • Mood Disorders
  • Geriatric Counseling
  • Adjustment Disorders
  • Post-Traumatic Stress Disorder (PTSD)
  • Bipolar Disorder
  • Suicidal Ideation
  • Obsessive-Compulsive Disorder (OCD)
  • Psychosis
  • Schizophrenia
  • Hoarding Disorder
  • Gambling Addiction
  • Family Conflict
  • Caregiver Burnout
  • Personality Disorders
  • And Many More!

Pricing

Available for in person and online.

per session

Call or text 863-320-2545

Call or text 863-320-2545

Call or text 863-320-2545

Does Silver Lining Clinics Accept Medicare?
Why Would I Consider Online Therapy vs. In-Person Therapy?

Benefits of Online Therapy (Telehealth)

  1. Convenience from Home – You don’t need to travel. If you have mobility challenges or prefer staying at home, online therapy allows you to meet with a licensed therapist using a phone, tablet, or computer.
  2. Saves Time & Energy – No need to arrange transportation or deal with traffic. Your sessions happen wherever you’re comfortable.
  3. Flexible Scheduling – It’s often easier to find a time that works for you because you can connect from home without needing to commute.
  4. Safe & Secure – We use HIPAA-compliant video calls, meaning your privacy is protected just like an in-person visit.
  5. Ideal for Seniors with Health Concerns – If you have difficulty leaving home due to medical conditions or caregiving responsibilities, online therapy ensures you still get the care you need.
  6. Works Well for Anxiety & Stress – If social anxiety, agoraphobia, or stress make it hard to leave the house, online therapy provides support without added pressure.

Benefits of In-Person Therapy (Wayne, PA Clinic)

  1. Face-to-Face Connection – Some people feel more comfortable talking in person, where body language and personal interaction play a bigger role.
  2. A Change of Environment – If you enjoy getting out of the house, in-person therapy provides a new setting where you can focus on your session.
  3. Better for Certain Conditions – If you struggle with severe depression, PTSD, psychosis, or cognitive impairments, face-to-face sessions may provide better engagement and support.
  4. Technology-Free Option – If you’re not comfortable with computers or video calls, in-person sessions eliminate the need to use technology.

Which One Should You Choose?

  • If you prefer comfort, convenience, and flexibility, online therapy may be best.
  • If you value face-to-face interaction and can travel to our Wayne, PA clinic, in-person therapy is a great choice.
What Types of Therapy Does Silver Lining Clinics Offer?

Types of Therapy We Offer

(One-on-One Counseling with a Therapist)

  • Best for: Seniors dealing with depression, anxiety, grief, stress, or life transitions.
  • What to Expect: A private conversation with a therapist to explore your emotions, set goals, and develop coping skills.

(A Goal-Oriented Approach to Changing Negative Thinking Patterns)

  • Best for: Depression, anxiety, PTSD, sleep disorders, and stress management.
  • What to Expect: Your therapist helps you recognize unhelpful thoughts and replace them with healthier ones to improve your mood and overall well-being.

(A Specialized Therapy for Processing Trauma & PTSD)

  • Best for: PTSD, past trauma, anxiety, and phobias.
  • What to Expect: Your therapist will guide you through a structured process using eye movements or tapping to help your brain reprocess painful memories, reducing emotional distress.

(A Skills-Based Therapy for Managing Strong Emotions and Improving Relationships)

  • Best for: Mood disorders, stress management, emotional regulation, and interpersonal conflicts.
  • What to Expect: DBT focuses on mindfulness, distress tolerance, emotional regulation, and improving communication in relationships.

(Support After the Loss of a Loved One)

  • Best for: Seniors coping with the loss of a spouse, friend, family member, or pet.
  • What to Expect: A compassionate space to process your grief, remember your loved one, and find ways to move forward.

(Exploring the Root Causes of Emotional Challenges)

  • Best for: Anxiety, depression, past trauma, or relationship struggles.
  • What to Expect: A deep dive into your past experiences to uncover how they impact your present emotions and behaviors.

(A Brief Therapy Approach Focused on Finding Solutions)

  • Best for: Adjustment disorders, caregiver burnout, and life transitions.
  • What to Expect: Instead of focusing on problems, therapy helps you identify strengths and create actionable steps for a better future.

(Learning to Accept Life’s Challenges and Move Forward)

  • Best for: Chronic stress, depression, grief, and adjustment to aging.
  • What to Expect: Techniques that help you accept difficult emotions and focus on what truly matters in life.

(Using Relaxation & Mindfulness to Manage Stress and Anxiety)

  • Best for: Stress, anxiety, sleep issues, and chronic illness.
  • What to Expect: Breathing exercises, meditation, and relaxation techniques to improve emotional balance.

(Improving Communication and Relationships with Loved Ones)

  • Best for: Family conflict, strained relationships, and caregiver stress.
  • What to Expect: Sessions where family members talk openly with a therapist to resolve conflicts and strengthen relationships.

(Healing from Past Trauma and Distressing Events)

  • Best for: PTSD, childhood trauma, abuse, and military veterans.
  • What to Expect: Safe and guided discussions to process trauma and regain emotional stability.

(Mental Health Support for the Aging Process)

  • Best for: Seniors adjusting to life changes, cognitive decline, or health-related stress.
  • What to Expect: Support tailored to the emotional and psychological challenges of aging.

Which Therapy is Right for You?

  • If you’re struggling with depression, anxiety, or stress, CBT, Mindfulness Therapy, or ACT may help.
  • If you’re dealing with loss or grief, Grief & Bereavement Counseling provides emotional support.
  • If family relationships are difficult, Family Therapy can help improve communication.
  • If you’ve experienced trauma, Trauma-Focused Therapy, EMDR, or PTSD treatment may be best.
  • If you need help adjusting to life’s changes, Solution-Focused Therapy or Geriatric Therapy can provide support.
  • If you struggle with strong emotions, mood swings, or difficulty in relationships, DBT might be beneficial.
How do I make an appointment with Silver Lining Clinics?

Step-by-Step Guide to Making an Appointment:

You can book an appointment in two simple ways:
📞 Call or text us at: 863-320-2545 – A friendly staff member will assist you.
💻 Online: Visit our website at SilverLiningClinics.com to fill out a contact form.

When you contact us, we’ll ask a few simple questions to understand your situation, such as:
✅ Do you want in-person therapy at our Wayne, PA clinic or online therapy?
✅ What are you struggling with? (Anxiety, depression, grief, stress, etc.)
✅ Do you have Medicare or private insurance, or do you prefer to pay out of pocket?

We carefully match you with a state-licensed therapist who specializes in your needs. If you have any preferences—such as a therapist with experience in a certain issue (e.g., grief, PTSD, or caregiver stress)—let us know, and we’ll do our best to accommodate you.

Once we match you with a therapist, we will schedule your first session:
📅 In-Person: If you choose in-person therapy, we will give you the clinic address and appointment time.
💻 Online (Telehealth): If you choose online therapy, we will send you a secure video link for your session.

For in-person therapy, simply arrive at our Wayne, PA clinic a few minutes early.
For online therapy, click the secure link we provide and join your therapist on video from home.


Frequently Asked Questions About Booking

🕒 How soon can I get an appointment?

  • We offer flexible scheduling, and in many cases, you can get an appointment within a few days.

📅 Do I need a doctor’s referral?

  • No referral is needed. You can contact us directly to book your session.

💰 How much does therapy cost?

  • Medicare covers therapy 100% after your annual deductible (for Pennsylvania residents).
  • We accept Aetna, Optum (United Healthcare), Quest Behavioral Health, Ambetter, and Magellan.
  • If you prefer to pay out of pocket, sessions cost between $120 and $180.

📍 Where is your clinic located?

  • Wayne, PA – If you prefer in-person therapy, we’ll provide the exact address when booking.

📞 Have More Questions?
Call or text 863-320-2545, and our friendly staff will guide you every step of the way!

What is Medicare Part C or Medicare Advantage and How Does it Impact Outpatient Mental Health Therapy Services?

Step 1: What is Medicare Part C (Medicare Advantage)?

Medicare Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Part A & Part B) and is provided by private insurance companies approved by Medicare.

📌 Medicare Advantage plans must cover everything that Original Medicare covers, but they often include extra benefits like:
$0 copays for mental health visits (varies by plan)
Expanded telehealth coverage (some plans allow therapy by phone)
Lower out-of-pocket costs compared to Original Medicare
Prescription drug coverage (Part D)
Additional mental health benefits (wellness programs, mobile therapy apps, etc.)

Step 2: What Does Medicare Part C Cover for Outpatient Therapy?

Since Medicare Advantage plans must include the same benefits as Original Medicare (Part B), they cover outpatient mental health therapy both in-person and via telehealth. However, some plans go further and provide additional mental health services.

💡 Covered Outpatient Mental Health Services Under Medicare Advantage:
Individual Therapy (in-person and telehealth)
Family & Couples Therapy (if medically necessary)
Group Therapy for conditions like depression and PTSD
Telehealth Therapy (video calls, and some plans allow phone-only sessions)
Substance Use Disorder Counseling
Medication Management for antidepressants and anti-anxiety medications
Screenings for Depression & Anxiety (100% covered once per year)

💡 Additional Benefits Medicare Advantage May Offer:
More telehealth options (some plans allow therapy via smartphone apps or phone calls)
Wellness programs & mental health coaching
Transportation assistance to therapy appointments
Reduced copays for therapy sessions

📌 Since Medicare Advantage plans are offered by private companies, you should check your specific plan for details on copays, coverage limits, and extra benefits.

Step 3: How Much Will Therapy Cost with Medicare Advantage?

Unlike Original Medicare (Part B), which covers 80% of outpatient therapy after the deductible, Medicare Advantage costs vary by plan.

ServiceOriginal Medicare (Part B)Medicare Advantage (Part C) (Varies by Plan)
Depression & Anxiety Screening100% covered100% covered
Outpatient Therapy (In-Person)Medicare covers 80%, you pay 20%Some plans cover at 100%, others require copays
Telehealth TherapyMedicare covers 80%, you pay 20%Many plans cover at 100% or have lower copays
Substance Use Disorder TherapyMedicare covers 80%, you pay 20%Copays vary by plan
Medication Management (Psychiatrist Visits)Medicare covers 80%, you pay 20%Some plans cover at 100%, others have copays

📌 Many Medicare Advantage plans offer $0 or low copays for therapy, which can make mental health care more affordable compared to Original Medicare.

Step 4: How to Find a Medicare Advantage Plan That Covers Therapy?

Option 1: Use Medicare’s Plan Finder Tool
🔎 Visit www.Medicare.gov and enter your ZIP code to compare Medicare Advantage plans that cover outpatient therapy.

Option 2: Contact Your Insurance Provider
📞 If you’re already enrolled in a Medicare Advantage plan, call your plan’s customer service number (on the back of your insurance card) to confirm mental health benefits.

Option 3: Call Medicare for Assistance
📞 1-800-MEDICARE (1-800-633-4227) – Medicare representatives can help you find a Medicare Advantage plan with expanded mental health benefits.

Step 5: Frequently Asked Questions (FAQs)

💡 Do Medicare Advantage Plans Cover More Mental Health Services Than Original Medicare?
Yes, most Medicare Advantage plans offer extra benefits, such as $0 copays, better telehealth options, and wellness programs.

💡 Do Medicare Advantage Plans Cover Therapy by Phone?
Some plans allow phone-only therapy sessions, which Original Medicare does not cover.

💡 Can I See Any Therapist I Want with Medicare Advantage?
No, you must see a therapist in your plan’s network to get the lowest cost.

💡 How Do I Know If My Therapist Accepts Medicare Advantage?
✔ Call your therapist and ask if they accept your specific Medicare Advantage plan.

Step 6: How to Get Started with Therapy Using Medicare Advantage

📌 Follow These Steps to Start Therapy:

Step 1: Check if you have Medicare Advantage (Part C) or Original Medicare (Part B).
Step 2: Decide if you prefer in-person therapy or telehealth therapy (online video or phone calls).
Step 3: Use Medicare’s plan finder to see if your plan covers therapy with a low copay.
Step 4: Call your insurance provider or search for in-network therapists online.
Step 5: Book an appointment and start your therapy sessions!

📞 Need Help? Call Medicare at 1-800-MEDICARE (1-800-633-4227)

💻 Visit Medicare.gov for more details.

Final Thoughts

Medicare Advantage (Part C) often provides better mental health benefits than Original Medicare, including lower therapy costs, more telehealth options, and additional wellness programs. If you need affordable mental health care, Medicare Advantage may be a good option to consider.

“Older Adults and Mental Health” – National Institute of Mental Health (NIMH)

An overview of mental health issues affecting older adults, including symptoms, risk factors, and treatment options.


https://www.nimh.nih.gov/health/topics/older-adults-and-mental-health

“Mental Illness and Older Adults: What to Know About Symptoms and Treatment” – National Council on Aging (NCOA)

A discussion on common mental health disorders affecting older adults, their symptoms, and available treatments.


https://www.ncoa.org/article/mental-illness-and-older-adults-what-to-know-about-symptoms-and-treatment/

“Supporting Older Adult Mental Health: What You Can Do” – National Council on Aging (NCOA)

Guidance on how to support mental health in older adults, including recognizing signs and providing assistance.


https://www.ncoa.org/article/supporting-older-adult-mental-health-what-you-can-do/

“Low Use of Mental Health Services Among Older Americans with Mood and Anxiety Disorders” – National Center for Biotechnology Information (NCBI)

An analysis highlighting the underutilization of mental health services by older adults and associated factors.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3726310/

“Mental Health Treatment Seeking Among Older Adults with Depression: The Impact of Stigma and Race” – National Center for Biotechnology Information (NCBI)

A study examining how stigma and race influence the likelihood of seeking mental health treatment among depressed older adults.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2875324/

“Mental Health and Aging” – Centers for Disease Control and Prevention (CDC)

Insights into mental health challenges faced by older adults and public health strategies to address them.


https://www.cdc.gov/aging/mentalhealth/index.html

“How Do We Address the Mental Health Crisis Among Older Adults?” – National Council on Aging (NCOA)

A discussion on the mental health challenges faced by older Americans and strategies to improve access to care.


https://www.ncoa.org/article/how-to-improve-access-to-mental-health-and-substance-use-care-for-older-adults/

“Anxiety and Older Adults: Overcoming Worry and Fear” – Anxiety and Depression Association of America (ADAA)

A guide to understanding and managing anxiety in older adults.


https://adaa.org/learn-from-us/from-the-experts/blog-posts/consumer/anxiety-and-older-adults-overcoming-worry-and-fear

“Mental Health Needs of Older Adults” – American Psychological Association (APA)

An article discussing the unique mental health needs of the elderly and the importance of tailored interventions.


https://www.apa.org/pi/aging/resources/guides/older

“Depression and Older Adults” – National Institute on Aging (NIA), NIH

Information on depression among seniors, including symptoms, causes, and treatment options.


https://www.nia.nih.gov/health/depression-and-older-adults

“Depression and Aging” – Centers for Disease Control and Prevention (CDC)

Insights into depression among older adults, its impact, and the importance of seeking treatment.


https://www.cdc.gov/aging/depression/index.html

“Mental Health Care for Older Adults: Recent Advances and New Directions” – National Center for Biotechnology Information (NCBI), NIH

A comprehensive review of recent developments in mental health care tailored for older adults.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9453913/

“Mental and Emotional Health” – National Institute on Aging (NIA), NIH

Resources and information on maintaining mental and emotional well-being in older age.


https://www.nia.nih.gov/health/mental-and-emotional-health

“Cognitive Health and Older Adults” – National Institute on Aging (NIA), NIH

Discussion on cognitive health, its importance, and ways to maintain it as we age.


https://www.nia.nih.gov/health/cognitive-health-and-older-adults

“The COVID-19 Pandemic’s Impact on Older Adults’ Mental Health” – National Center for Biotechnology Information (NCBI), NIH

An examination of how the COVID-19 pandemic has affected the mental health of the elderly population.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8646312/

“Mental Health and Wellbeing of Older People” – National Center for Biotechnology Information (NCBI), NIH

An article discussing the mental health challenges faced by older adults and the importance of addressing them.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3822658/

“Perceptions of Overall Mental Health and Barriers to Mental Health Treatment Among Older Adults” – National Center for Biotechnology Information (NCBI), NIH

A study exploring older adults’ views on their mental health and obstacles to seeking treatment.


https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8938292/

  1. “Medicare & Your Mental Health Benefits” – Centers for Medicare & Medicaid Services (CMS)
    This publication provides detailed information on the mental health services covered by Medicare, including outpatient and inpatient care, and guidance on accessing these benefits.
  2. “Mental Health Care (Outpatient)” – Medicare.gov
    An overview of outpatient mental health services covered by Medicare Part B, including psychotherapy, counseling, and screenings.
  3. “Mental Health Care (Inpatient)” – Medicare.gov
    Information on inpatient mental health care coverage under Medicare Part A, detailing costs and services provided during hospital stays.
  4. “Important New Changes to Improve Access to Behavioral Health in Medicare” – Centers for Medicare & Medicaid Services (CMS)
    An article discussing recent policy changes aimed at enhancing access to behavioral health services for Medicare beneficiaries.
  5. Medicare & Mental Health Coverage” – Centers for Medicare & Medicaid Services (CMS)
    A fact sheet outlining Medicare’s coverage of mental health services, including information on eligibility, covered services, and costs.
Free Mental Health Therapy for Senior Citizens in PA on Medicare

These resources provide comprehensive information on the mental health services available to seniors under Medicare, including coverage details, costs, and recent policy updates.

Free Mental Health Therapy for Senior Citizens in PA on Medicare
Free mental health therapy for seniors in Pennsylvania with Medicare