Therapists in Hawaii that accept Medicare

Absolutely. Hawaii attracts many retirees, but major life transitions—even positive ones—can affect mental health. Leaving a career, moving away from family, losing a spouse, or adjusting to health changes are common triggers for depression and anxiety. Sailor Health therapists specialize in helping older adults navigate these transitions.

21.5% of Hawaii residents are age 65 or older—one of the highest rates in the nation.² This growing senior population has increasing mental health care needs. Sailor Health therapists specialize in older adult concerns including depression, anxiety, grief, chronic illness adjustment, and loneliness.

Yes, and for many Hawaii seniors, telehealth is the most practical option. With 281,162 Medicare beneficiaries spread across the state, local mental health providers can be far away or have long waits.¹ Medicare covers telehealth therapy—you meet with your therapist via secure video call. Sailor Health specializes in telehealth for seniors.

281,162 Hawaii residents are enrolled in Medicare.¹ While that's a smaller population, every beneficiary has coverage for therapy and counseling. Telehealth makes mental health care accessible even when local providers are limited.

12.7% of adults in Hawaii report a lifetime diagnosis of depression—below the national average of 18.5%.³ Even with lower rates, many seniors face mental health challenges including anxiety, grief, loneliness, and adjustment to life changes. Therapy can help, and Medicare covers it.

In Hawaii, 47% of beneficiaries have Medicare Advantage, while 53% 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.

It depends on your plan. 47% of Hawaii Medicare beneficiaries have Medicare Advantage, and many Advantage plans offer $0 copays for mental health visits.¹ With Original Medicare, you typically pay 20% of the approved amount after your $240 deductible. Sailor Health handles billing, and most of our patients pay nothing.

Yes. Medicare Part B covers therapy and counseling for all 281,162 Medicare beneficiaries in Hawaii.¹ You can see licensed psychologists, clinical social workers, professional counselors, and psychiatric nurse practitioners. Both in-person and telehealth sessions are covered.

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.

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.

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.

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.