Most of our Medicare patients have a $0 copay
Therapists in Colorado that accept Medicare
938,937 Colorado residents have Medicare—and every one of them has coverage for therapy and counseling. But finding a therapist who accepts Medicare, has openings, and understands the unique challenges of aging isn't easy. Sailor Health was built to solve this problem for seniors in Denver, Colorado Springs, or Aurora and across Colorado. Our licensed counselors specialize in older adult mental health, and most patients pay $0 out of pocket.
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Meet Our Colorado Therapists Accepting Medicare
Getting started is fast and easy
Getting started takes just a few minutes. Answer some simple questions, and we'll match you with a therapist who fits your needs. Many Colorado seniors begin therapy within 24-48 hours.
What Medicare Covers for Therapy in Colorado
Medicare Part B covers outpatient mental health services including individual therapy, counseling, and psychiatric evaluations. Covered providers include licensed clinical psychologists, clinical social workers (LCSWs), licensed professional counselors (LPCs), and psychiatric nurse practitioners. Both in-person visits and telehealth sessions are covered. With Original Medicare, you pay 20% of the approved amount after your deductible. Medicare Advantage plans—used by 44% of Colorado beneficiaries—often have lower copays, with some offering $0 for mental health visits.
How Much You'll Pay for Therapy with Medicare in Colorado
Your out-of-pocket cost depends on your coverage type. 44% of Colorado Medicare beneficiaries have Medicare Advantage plans, which often feature lower mental health copays than Original Medicare—many offer $0 per session. If you have Original Medicare, you'll typically pay 20% of the Medicare-approved amount after meeting your Part B deductible ($240 in 2025). Sailor Health works with both coverage types and handles all the billing. The result: most of our Colorado patients pay nothing out of pocket for their therapy sessions.
Mental Health Among Colorado Seniors
16.5% of Colorado's population is 65 and older—that's 938,937 Medicare beneficiaries who may need mental health support at some point.¹ ² CDC data shows 18.5% of Colorado adults have reported a lifetime diagnosis of depression, near the national average.³ But depression is just one piece: anxiety, grief, loneliness, and adjustment to health changes are equally common among older adults. The challenge isn't whether treatment works—therapy is highly effective for seniors. The challenge is access. That's where Sailor Health comes in.
Why Colorado Seniors Choose Sailor Health
Finding a therapist who accepts Medicare shouldn't be the hardest part of getting help. Sailor Health makes it simple for seniors in Denver, Colorado Springs, and across Colorado. Our licensed therapists specialize in older adult mental health—they understand depression that shows up as fatigue, anxiety about health, grief that doesn't lift, and the isolation that can come with aging. We offer telehealth appointments (covered by Medicare), handle all the billing, and most patients pay nothing out of pocket. 938,937 Colorado residents have Medicare coverage for therapy—we help them use it.
1. Centers for Medicare & Medicaid Services. "Medicare Monthly Enrollment - October 2025." https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment/data.
2. U.S. Census Bureau. "Age and Sex." American Community Survey, ACS 1-Year Estimates Subject Tables, Table S0101. https://data.census.gov/table/ACSST1Y2024.S0101.
3. Lee B, Wang Y, Carlson SA, et al. National, State-Level, and County-Level Prevalence Estimates of Adults Aged ≥18 Years Self-Reporting a Lifetime Diagnosis of Depression — United States, 2020. MMWR Morb Mortal Wkly Rep 2023;72:644–650. DOI: http://dx.doi.org/10.15585/mmwr.mm7224a1.
Frequently asked questions
What's the difference between Medicare Advantage and Original Medicare for therapy in Colorado?
In Colorado, 44% of beneficiaries have Medicare Advantage, while 56% have Original Medicare.¹ Both cover therapy. Original Medicare pays 80% after your deductible; you pay 20%. Medicare Advantage plans often have lower copays—many offer $0 for mental health visits—but may require in-network providers. Sailor Health works with both.
Does Medicare cover therapy in Colorado?
Yes. Medicare Part B covers therapy and counseling for all 938,937 Medicare beneficiaries in Colorado.¹ You can see licensed psychologists, clinical social workers, professional counselors, and psychiatric nurse practitioners. Both in-person and telehealth sessions are covered.
How much will I pay for therapy with Medicare in Colorado?
With Original Medicare, you pay 20% of the approved amount after your $240 annual deductible—typically $20-30 per session. Medicare Advantage plans (44% of Colorado beneficiaries) often have lower copays, sometimes $0.¹ Sailor Health handles all billing, and most of our Colorado patients pay nothing out of pocket.
Do I need a referral to see a therapist with Medicare?
With Original Medicare, no referral is required—you can see any Medicare-approved therapist directly. If you have a Medicare Advantage plan, check your plan's rules; some require referrals or limit you to in-network providers. Sailor Health accepts most plans and can help you understand your options.
Does Medicare cover therapy and counseling?
Yes. Medicare Part B covers outpatient mental health services, including individual therapy and counseling. You can see licensed psychologists, clinical social workers (LCSWs), licensed professional counselors (LPCs), and psychiatric nurse practitioners—all covered by Medicare. Telehealth sessions are also covered, so you can meet with a therapist from home.
Is there a limit on how many therapy sessions Medicare covers?
No. Medicare does not cap the number of therapy sessions per year. As long as your treatment is medically necessary and provided by a Medicare-approved therapist, coverage continues. Your therapist will work with you to determine the right frequency based on your needs.
Can I do therapy over video call with Medicare?
Yes. Medicare covers telehealth therapy sessions, allowing you to meet with a licensed therapist via secure video call from your home. Sailor Health specializes in telehealth for seniors—it's convenient, private, and covered by Medicare just like in-person visits.
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