
Find joy and purpose at Silver Lining Clinics.
To book a therapy appointment, call or text us at:
In-person and online appointments available

Our Mission
“To provide dedicated mental health therapy and counseling to seniors and their loved ones for a happy and fulfilling life!”
Get started today

How Do I Get Started at Silver Lining Clinics?
02
The Match
We will match you with a licensed therapist
03
Sessions
Begin your sessions with your therapist in-person or online
For in-person therapy we are conveniently located at 121 N Wayne Ave, Wayne, PA 19087!
Areas of Specialty
Featured Therapists

MA LPC NCC CCTP CFTP CDBT

MS LPC

LCSW

MA LPC NCC

LPC

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
Medicare
Available for Pennsylvania residents only.
Total cost per session will be covered once the deductible for the year has been met.
$0-40
Once deductible is met
Call or text 863-320-2545
Insurance
Available for Pennsylvania residents only:
Aetna, Optum (United Healthcare), Quest Behavioral Health, Ambetter, and Magellan
Varies
Call or text 863-320-2545
Frequently Asked Questions
How Can Silver Lining Clinics Help Me?
At Silver Lining Clinics, we provide compassionate, professional mental health support tailored for seniors. Our licensed therapists are experienced in addressing a wide range of mental health concerns. We offer both telehealth (online therapy) and in-person therapy at our Wayne, PA clinic to ensure you receive care in the way that best suits you.
Conditions We Address:
- Depression – Depression is common in older adults and can result in sadness, fatigue, loss of interest in activities, and withdrawal from loved ones. Our therapists provide counseling and coping strategies to improve your mood and well-being.
- Anxiety Disorders – If you experience excessive worry, panic attacks, or overwhelming stress, therapy can help you manage your anxiety through cognitive-behavioral techniques, relaxation methods, and supportive counseling.
- Dementia & Alzheimer’s Disease – We offer therapy for seniors in the early stages of dementia and Alzheimer’s, providing support for memory loss, confusion, and emotional challenges while assisting caregivers in managing the condition.
- Parkinson’s Disease-related Psychiatric Symptoms – Parkinson’s can cause depression, anxiety, and even hallucinations. Our licensed therapists work alongside medical professionals to provide emotional support and coping strategies for both patients and caregivers.
- Grief and Bereavement – Losing a loved one, a friend, or even facing personal losses like independence can be difficult. Therapy provides a space to process grief and learn ways to move forward while honoring your loss.
- Loneliness & Social Isolation – Many seniors feel isolated due to life changes, retirement, or distance from family. Our therapists help seniors reconnect with loved ones and find ways to stay socially engaged.
- Sleep Disorders & Insomnia – If you’re having trouble sleeping, therapy can help address underlying causes such as anxiety, depression, or stress, and introduce sleep hygiene techniques to improve rest.
- Substance Use & Alcohol Dependency – Alcohol and prescription medication dependency can develop at any age. Therapy can help you understand triggers, develop coping strategies, and regain control over your health.
- Chronic Stress & Mood Disorders – Prolonged stress can lead to mental and physical health issues. Therapy helps manage stress and mood swings through relaxation techniques and emotional support.
- Adjustment Disorders – Big life changes, such as moving, retirement, or health issues, can be stressful. Therapy provides tools to adapt to changes with resilience.
- Post-Traumatic Stress Disorder (PTSD) – Past traumas can resurface later in life. Our therapists use specialized methods to help you process trauma, reduce distress, and restore a sense of peace.
- Bipolar Disorder – We provide therapy for seniors dealing with mood swings, depression, and manic episodes, helping them manage symptoms and lead a more stable life.
- Suicidal Ideation – If you are experiencing thoughts of hopelessness or suicide, our compassionate therapists provide a safe, confidential space to talk and seek support. You are not alone, and help is available.
- Obsessive-Compulsive Disorder (OCD) – If repetitive thoughts and compulsions disrupt your life, therapy can provide techniques to help manage these behaviors and improve your daily routine.
- Psychosis & Schizophrenia – Seniors experiencing hallucinations, delusions, or confusion due to conditions like schizophrenia receive therapy to manage symptoms and improve quality of life.
- Hoarding Disorder – Hoarding can lead to unsafe living conditions and emotional distress. Therapy helps individuals understand the root causes and work on decluttering strategies.
- Gambling Addiction – Problem gambling can lead to financial stress and relationship issues. Therapy provides structured interventions to regain control.
- Family Conflict & Strained Relationships – Aging can bring new challenges in family dynamics. Therapy helps resolve conflicts, improve communication, and strengthen relationships.
- Caregiver Burnout – Caring for a loved one is rewarding but can also be exhausting. Therapy supports caregivers by providing stress relief strategies, emotional support, and guidance.
- And more! – If you’re experiencing emotional distress, mental health challenges, or need guidance navigating life’s changes, we’re here to help.
Where Can I Receive Therapy?
- In-Person Therapy: Visit our Wayne, PA clinic if you prefer face-to-face counseling.
- Online Telehealth Therapy: Get care from home with secure video sessions with licensed therapists.
📞 Call or text us at 863-320-2545 to schedule an appointment.
At Silver Lining Clinics, we believe that mental health is just as important as physical health, and we’re here to support you every step of the way.
How Much Does Therapy Cost at Silver Lining Clinics?
At Silver Lining Clinics, we understand that cost is an important factor when considering therapy. Here’s a clear breakdown of our pricing and insurance options:
- Medicare: If you’re a Pennsylvania resident with Medicare, your therapy sessions are fully covered after you’ve met your annual deductible. Once the deductible is met, there are no co-pays, making each session cost you $0.
- Private Insurance: We accept several insurance plans for Pennsylvania residents, including Aetna, Optum (United Healthcare), Quest Behavioral Health, Ambetter, and Magellan. The cost per session varies depending on your specific insurance coverage. For precise details, please call or text us at 863-320-2545.
- Direct Pay: If you prefer to pay out-of-pocket, each therapy session costs between $120 and $180. This option is available for both in-person and online sessions. To learn more or to schedule a session, feel free to call or text us at 863-320-2545.
Does Silver Lining Clinics Accept Medicare?
Yes, we do accept Medicare for residents of Pennsylvania. After you’ve met your annual deductible, Medicare will cover the full cost of your therapy sessions, resulting in no out-of-pocket expenses for you. If you have any questions or need assistance with the process, please don’t hesitate to call or text us at 863-320-2545.
At Silver Lining Clinics, we’re committed to making mental health care accessible and affordable for seniors. If you have further questions or need assistance, please reach out to us.
Why Would I Consider Online Therapy vs. In-Person Therapy?
At Silver Lining Clinics, we offer both in-person therapy at our Wayne, PA clinic and online therapy (telehealth) so you can choose what’s best for you. Here’s a simple comparison to help you decide:
Benefits of Online Therapy (Telehealth)
- 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.
- Saves Time & Energy – No need to arrange transportation or deal with traffic. Your sessions happen wherever you’re comfortable.
- Flexible Scheduling – It’s often easier to find a time that works for you because you can connect from home without needing to commute.
- Safe & Secure – We use HIPAA-compliant video calls, meaning your privacy is protected just like an in-person visit.
- 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.
- 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)
- Face-to-Face Connection – Some people feel more comfortable talking in person, where body language and personal interaction play a bigger role.
- 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.
- 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.
- 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.
📞 Still unsure? Call or text 863-320-2545 and we’ll help you choose the right option. Silver Lining Clinics is here to support you—no matter where you are.
What Types of Therapy Does Silver Lining Clinics Offer?
At Silver Lining Clinics, our licensed therapists provide a variety of therapy approaches to support seniors. Whether you prefer in-person therapy at our Wayne, PA clinic or online therapy (telehealth) from the comfort of your home, we offer specialized treatments designed to improve mental well-being.
Types of Therapy We Offer
1. Individual Therapy
(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.
2. Cognitive Behavioral Therapy (CBT)
(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.
3. Eye Movement Desensitization and Reprocessing (EMDR)
(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.
4. Dialectical Behavior Therapy (DBT)
(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.
5. Grief & Bereavement Counseling
(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.
6. Psychodynamic Therapy
(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.
7. Solution-Focused Therapy (SFT)
(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.
8. Acceptance and Commitment Therapy (ACT)
(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.
9. Mindfulness-Based Therapy
(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.
10. Family Therapy
(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.
11. Trauma-Focused Therapy (Including PTSD Treatment)
(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.
12. Geriatric Therapy
(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.
📞 Not sure which therapy is best for you? Call or text 863-320-2545, and we’ll help guide you. Silver Lining Clinics is here to support you no matter what challenges you’re facing.
How do I make an appointment with Silver Lining Clinics?
At Silver Lining Clinics, we make scheduling your therapy sessions as easy and stress-free as possible. Whether you prefer in-person therapy at our Wayne, PA clinic or online therapy (telehealth) from the comfort of your home, we are here to help.
Step-by-Step Guide to Making an Appointment:
1. Choose How You Want to Schedule
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.
2. Tell Us About Your Needs
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?
3. Get Matched with a Licensed Therapist
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.
4. Confirm Your First Appointment
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.
5. Attend Your Therapy 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!
At Silver Lining Clinics, we make starting therapy easy, supportive, and stress-free. Whether you choose in-person or online therapy, we are here to help you feel better and live a happier life.
Does Silver Lining Clinics Provide Therapy Just for Individuals?
No, Silver Lining Clinics offers therapy for more than just individuals. We provide comprehensive mental health support tailored to the needs of seniors, including individual therapy, couples therapy, family therapy, and caregiver support.
Types of Therapy We Offer Beyond Individual Counseling:
1. Couples Therapy
(For Married or Long-Term Partners Facing Relationship Challenges)
- Best for: Seniors experiencing relationship strain, communication issues, or emotional distance.
- What to Expect: A licensed therapist will help you and your partner improve communication, resolve conflicts, and strengthen your emotional connection.
2. Family Therapy
(For Families Wanting to Improve Relationships and Communication)
- Best for: Seniors dealing with family conflicts, strained relationships with children or grandchildren, or challenges related to aging and caregiving.
- What to Expect: Sessions involve multiple family members, where a therapist guides open discussions, helping resolve conflicts and rebuild trust.
3. Caregiver Support Therapy
(For Those Caring for a Loved One and Feeling Overwhelmed or Burned Out)
- Best for: Spouses, adult children, or professional caregivers experiencing stress, exhaustion, or emotional burnout.
- What to Expect: Therapy provides coping strategies, emotional support, and guidance on setting healthy boundaries while caring for a loved one.
4. Group Therapy (Coming Soon!)
(Support Groups for Seniors Facing Similar Challenges)
- Best for: Those who benefit from sharing experiences and learning from others in a supportive group setting.
- What to Expect: Led by a licensed therapist, these small groups provide structured conversations around grief, chronic illness, aging, and mental health.
Who Can Benefit from These Services?
✅ Seniors struggling with loneliness, depression, anxiety, or grief.
✅ Couples needing support for relationship changes in later life.
✅ Families facing misunderstandings or strained relationships.
✅ Caregivers feeling stressed, exhausted, or overwhelmed.
📞 Interested in Individual, Couples, or Family Therapy?
Call or text 863-320-2545 to schedule an appointment.
At Silver Lining Clinics, we believe mental health is a family matter. Whether you need individual therapy, couples counseling, or family support, we are here to help.
How Do I Sign Up for Medicare? (Step-by-Step Guide for Seniors & Individuals with Disabilities)
Medicare is federal health insurance primarily for people aged 65 and older and certain individuals under 65 with disabilities. If you are approaching 65 or have a qualifying disability, here’s a step-by-step guide to enrolling in Medicare.
Step 1: Determine If You Are Eligible for Medicare
You are eligible if:
✅ You are 65 years or older AND a U.S. citizen or permanent resident who has lived in the U.S. for at least five years.
✅ You are under 65 and have a qualifying disability (such as receiving Social Security Disability Insurance (SSDI) for at least 24 months).
✅ You have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS/Lou Gehrig’s disease), which allows immediate eligibility for Medicare.
Step 2: Know When You Can Sign Up
There are three main periods when you can enroll:
1. Initial Enrollment Period (IEP) – If You Are Turning 65
📅 This 7-month window includes:
✔ 3 months before your 65th birthday
✔ The month of your 65th birthday
✔ 3 months after your 65th birthday
👉 If you sign up before you turn 65, coverage starts the month you turn 65.
2. Special Enrollment Period (SEP) – If You Have Employer Coverage
✔ If you are still working and covered by an employer’s health plan, you may delay Medicare enrollment without a penalty.
✔ You have 8 months after your employer coverage ends to sign up for Medicare.
3. General Enrollment Period (GEP) – If You Missed Your Initial Enrollment
📅 January 1 – March 31 each year
✔ If you did not sign up during your Initial Enrollment Period and do not qualify for a Special Enrollment Period, you can enroll during this time.
✔ Your coverage will start on July 1, and you may have to pay a late enrollment penalty.
Step 3: Choose Your Medicare Plan
Medicare has different parts, and you must decide how you want your coverage:
Option 1: Original Medicare (Provided by the Federal Government)
- Medicare Part A (Hospital Insurance) – Covers hospital stays, skilled nursing facilities, and hospice care.
- Medicare Part B (Medical Insurance) – Covers doctor visits, outpatient services, mental health care, and preventive services.
💰 Cost:
- Most people get Part A for free (if they or their spouse worked and paid Medicare taxes for 10+ years).
- Part B costs a monthly premium (in 2024, the standard amount is $174.70/month).
Option 2: Medicare Advantage (Part C – Private Insurance)
- Combines Part A, Part B, and usually Part D (prescription drug coverage).
- Offered by private insurance companies approved by Medicare.
- Includes extra benefits like vision, dental, and hearing coverage.
Medicare Part D (Prescription Drug Coverage)
- Covers medications prescribed by doctors.
- Available as a standalone plan (if you choose Original Medicare) or included with Medicare Advantage.
Step 4: Sign Up for Medicare
How to Apply:
1️⃣ Online: Visit www.ssa.gov/medicare and apply through the Social Security Administration (SSA).
2️⃣ By Phone: Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
3️⃣ In-Person: Visit your local Social Security office. Find an office near you at secure.ssa.gov/ICON/main.jsp.
📌 If You Already Receive Social Security Benefits
✔ If you already get Social Security (or Railroad Retirement Board benefits), you will be automatically enrolled in Medicare Part A and Part B starting the month you turn 65.
📌 If You Are Under 65 with a Disability
✔ If you have been receiving Social Security Disability Insurance (SSDI) for 24 months, you are automatically enrolled in Medicare in the 25th month.
📌 If You Have ESRD or ALS
✔ You need to apply manually for Medicare through Social Security.
Step 5: Understand Medicare Costs & Extra Help Programs
💰 Original Medicare Costs:
- Part A: Free if you (or your spouse) paid Medicare taxes for 10+ years. If not, premiums are up to $505/month.
- Part B: Monthly premium is $174.70 (2024 standard rate), plus 20% coinsurance for most services.
💊 Extra Help Programs for Low-Income Individuals:
If you have limited income, you may qualify for:
✔ Medicare Savings Programs – Helps pay Medicare premiums, deductibles, and co-payments.
✔ Extra Help (Low-Income Subsidy for Part D) – Helps pay for prescription drug costs.
📞 To Apply for Extra Help: Call Social Security at 1-800-772-1213 or apply online at www.ssa.gov/extrahelp.
Is Medicare Only for Senior Citizens?
🔹 No, Medicare is also for younger individuals with certain disabilities.
💡 You can qualify for Medicare before 65 if:
✔ You have received Social Security Disability Insurance (SSDI) for at least 24 months.
✔ You have End-Stage Renal Disease (ESRD) and require dialysis or a kidney transplant.
✔ You have Amyotrophic Lateral Sclerosis (ALS/Lou Gehrig’s disease) – Medicare coverage begins immediately upon diagnosis.
📌 If you qualify due to disability, you will be automatically enrolled in Medicare after 24 months of SSDI benefits.
Need Help? Contact Medicare!
📞 Medicare Helpline: 1-800-MEDICARE (1-800-633-4227, TTY: 1-877-486-2048)
💻 Website: www.medicare.gov
🏛 Social Security Office Locator: secure.ssa.gov/ICON/main.jsp
✔ Signing up for Medicare is easy, and help is available if you have questions about your eligibility, costs, or coverage options!
What Medicare Service Covers Outpatient Therapy (Online Telehealth or In-Person)?
Medicare provides coverage for outpatient mental health therapy, including both in-person sessions and online telehealth therapy. Here’s a step-by-step guide to understanding how Medicare covers outpatient therapy, what services are included, and how much it costs.
Step 1: Understanding Medicare Coverage for Outpatient Therapy
✅ Medicare Part B (Medical Insurance) Covers Outpatient Therapy
Medicare Part B provides coverage for outpatient mental health therapy, whether it’s done in-person at a clinic or through telehealth services (online video therapy).
📌 What’s Included?
✔ Individual Therapy (One-on-One Counseling) – Covers licensed psychologists, clinical social workers, psychiatrists, and counselors.
✔ Family & Couples Therapy – Covered if therapy is related to treating a Medicare-eligible individual’s mental health condition.
✔ Group Therapy – Helps with depression, anxiety, PTSD, and grief counseling.
✔ Telehealth Therapy (Online Video Sessions) – Virtual therapy sessions covered if done via Medicare-approved providers.
✔ Substance Use Disorder Therapy – Covers therapy for alcohol or drug abuse recovery.
✔ Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and Other Evidence-Based Treatments.
✔ Mental Health Screenings & Evaluations – Includes diagnostic tests to assess depression, anxiety, PTSD, and cognitive impairments.
Step 2: Who Can Provide Medicare-Covered Therapy?
To be covered by Medicare, therapy must be provided by Medicare-approved mental health professionals, including:
✔ Licensed Clinical Social Workers (LCSWs)
✔ Licensed Professional Counselors (LPCs)
✔ Clinical Psychologists & Psychiatrists
✔ Licensed Marriage & Family Therapists (LMFTs)
✔ Certified Substance Abuse Counselors (for addiction treatment)
📌 Make sure your therapist accepts Medicare before scheduling an appointment.
Step 3: Understanding Coverage for In-Person & Online Telehealth Therapy
📍 In-Person Therapy Coverage:
- Medicare covers therapy sessions at:
✔ Outpatient mental health clinics
✔ Private therapist offices
✔ Hospital outpatient departments
✔ Federally Qualified Health Centers (FQHCs) and Rural Health Clinics
💻 Online (Telehealth) Therapy Coverage:
- Medicare Part B fully covers virtual therapy provided by a Medicare-approved therapist.
- You can access therapy from home via video calls on a phone, tablet, or computer.
- No travel required – just an internet connection.
📌 You must use a provider who accepts Medicare and offers telehealth services.
Step 4: What Does Medicare Pay for Therapy?
💰 Costs for Medicare-Covered Therapy (2024 Rates)
Service | What Medicare Covers | What You Pay |
---|---|---|
Annual Depression Screening | 100% covered (once per year) | $0 |
Outpatient Therapy (in-person) | 80% covered after Part B deductible | 20% of cost |
Telehealth Therapy (online) | 80% covered after Part B deductible | 20% of cost |
Substance Use Disorder Therapy | 80% covered after Part B deductible | 20% of cost |
Medication Management with a Psychiatrist | 80% covered | 20% of cost |
💡 Medicare Part B Deductible (2024): $240 per year
- After you meet this deductible, Medicare pays 80%, and you pay 20% out of pocket for each session.
💊 Do You Need Prescription Medication for Mental Health?
- Medicare Part D (Prescription Drug Plan) covers medications for depression, anxiety, and other mental health conditions.
📌 Need Financial Help? If you have low income, Medicare Savings Programs may help pay your 20% coinsurance.
Step 5: How to Find a Medicare-Approved Therapist
Option 1: Use the Medicare Provider Search Tool
🔎 Visit Medicare.gov and enter your ZIP code to find Medicare-approved therapists near you or online.
Option 2: Call Medicare for Assistance
📞 1-800-MEDICARE (1-800-633-4227) – A representative can help you find mental health providers in your area.
Option 3: Check with Your Primary Care Doctor
👩⚕️ Your doctor can provide a referral to Medicare-approved therapists in your area.
Frequently Asked Questions (FAQs)
💡 Do I Need a Referral for Therapy?
✔ No referral is needed for most outpatient therapy services under Medicare Part B.
💡 Does Medicare Cover Therapy for Anxiety, Depression, PTSD, or Grief?
✔ Yes! Medicare covers individual therapy, group therapy, and telehealth therapy for these conditions.
💡 Can I See Any Therapist I Want?
✔ Only if they accept Medicare. Make sure your therapist is Medicare-approved before scheduling an appointment.
💡 Does Medicare Cover Marriage or Family Counseling?
✔ Yes, but only if the therapy is to treat a Medicare-eligible individual’s mental health condition.
💡 Does Medicare Cover Long-Term Therapy?
✔ Yes, Medicare does not limit the number of therapy sessions, but medical necessity must be documented by your provider.
Step 6: How to Start Therapy with Medicare
📌 Follow These Steps to Get Covered Therapy:
✅ Step 1: Check if you have Medicare Part B (or Medicare Advantage with mental health benefits).
✅ Step 2: Decide if you want in-person therapy or telehealth therapy (online video sessions).
✅ Step 3: Use Medicare’s provider search tool to find a Medicare-approved therapist.
✅ Step 4: Call the therapist’s office and confirm they accept Medicare before scheduling.
✅ Step 5: Start your therapy sessions and focus on your mental well-being!
📞 Need Help? Call Medicare at 1-800-MEDICARE (1-800-633-4227)
💻 Visit Medicare.gov for more details.
Final Thoughts
Medicare fully covers depression screenings and mental health evaluations and pays for 80% of outpatient therapy (both in-person and online). If you or a loved one need mental health care, Medicare makes it accessible and affordable.
📌 Take the first step toward better mental health today! Reach out to a Medicare-approved therapist and start getting the support you deserve.
What is Medicare Part C or Medicare Advantage and How Does it Impact Outpatient Mental Health Therapy Services?
If you’re enrolled in Medicare Part C (Medicare Advantage), your outpatient therapy coverage may include additional benefits beyond Original Medicare (Part B). Since Medicare Advantage plans are offered by private insurance companies, coverage varies by plan. Below is a step-by-step breakdown of how Medicare Part C covers mental health therapy, including in-person and telehealth 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.
Service | Original Medicare (Part B) | Medicare Advantage (Part C) (Varies by Plan) |
---|---|---|
Depression & Anxiety Screening | 100% covered | 100% covered |
Outpatient Therapy (In-Person) | Medicare covers 80%, you pay 20% | Some plans cover at 100%, others require copays |
Telehealth Therapy | Medicare covers 80%, you pay 20% | Many plans cover at 100% or have lower copays |
Substance Use Disorder Therapy | Medicare 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.
📌 Take the first step toward better mental health today! Reach out to a Medicare-approved therapist and start getting the support you deserve.
Articles About Senior Mental Health
“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.
“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.
“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.
“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.
“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.
“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.
“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.
“Depression and Older Adults” – National Institute on Aging (NIA), NIH
Information on depression among seniors, including symptoms, causes, and treatment options.
“Depression and Aging” – Centers for Disease Control and Prevention (CDC)
Insights into depression among older adults, its impact, and the importance of seeking treatment.
“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.
“Mental and Emotional Health” – National Institute on Aging (NIA), NIH
Resources and information on maintaining mental and emotional well-being in older age.
“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.
“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.
“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.
Articles from the Centers for Medicare & Medicaid Services (CMS) and Medicare That Address Mental Health Services for Seniors:
- “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. - “Mental Health Care (Outpatient)” – Medicare.gov
An overview of outpatient mental health services covered by Medicare Part B, including psychotherapy, counseling, and screenings. - “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. - “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. - “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.

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

Key Mental Health Statistics for Older Adults
- Prevalence of Mental Health Conditions: Approximately 20% of adults aged 55 years or older experience some type of mental health concern, including anxiety, depression, and other co-occurring disorders.
- Anxiety Disorders: An estimated 10% of adults over age 60 are dealing with an anxiety disorder.
- Serious Mental Illness (SMI): About 3% of adults aged 50 or older experience a serious mental illness.
- Suicide Rates: Males over age 85 have one of the highest suicide rates in the nation.
- Treatment Access: Fewer than 40% of older adults with mental and/or substance use disorders receive treatment.
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