Hawaii
Therapists in Hawaii that accept Medicare
Personalized therapy sessions with licensed professionals who focus on the experiences, grief, and changes faced by older adults.
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What Medicare Covers for Therapy in Hawaii
Medicare Part B covers outpatient mental health services including individual therapy, counseling, and psychiatric evaluations. You can see licensed clinical psychologists, clinical social workers (LCSWs), licensed professional counselors (LPCs), and psychiatric nurse practitioners—all covered by Medicare. In Hawaii, where 47% of beneficiaries have Medicare Advantage, many seniors enjoy additional benefits like $0 copays for mental health visits and expanded telehealth coverage. Whether you're in Honolulu or rural Hawaii, both in-person and video sessions are covered.
How Much You'll Pay for Therapy with Medicare in Hawaii
Your out-of-pocket cost depends on your coverage type. 47% of Hawaii 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 Hawaii patients pay nothing out of pocket for their therapy sessions.
Mental Health and Aging in Hawaii
Hawaii has one of the oldest populations in the country, with 21.5% of residents age 65 and older.² While the state's depression rate (12.7%) is below the national average, mental health challenges among seniors often go unrecognized.³ Retirement, relocation, loss of a spouse, chronic health conditions, and reduced mobility can all affect wellbeing—even in paradise. Therapy provides a space to process these transitions with professional support. Sailor Health therapists specialize in the concerns that matter most to older adults, from grief and loneliness to adjusting to life changes.
Telehealth: Mental Health Care That Comes to You
In a state like Hawaii, with 281,162 Medicare beneficiaries spread across a smaller population, finding a local therapist who accepts Medicare and specializes in older adults can mean long drives or long waits.¹ Telehealth changes that equation. With Sailor Health, seniors in Honolulu, Pearl City, and everywhere in between can meet with a licensed therapist via secure video call—no travel required. Our therapists are trained in evidence-based approaches like cognitive behavioral therapy, and all are experienced in the unique mental health needs of older adults.
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.
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- Pearl City
- Hilo
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- Waipahu
- Kaneohe
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Frequently asked questions
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.
