Most of our Medicare patients have a $0 copay
Therapists in Indiana that accept Medicare
1,283,936 Indiana 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 Indianapolis, Fort Wayne, or Evansville and across Indiana. Our licensed counselors specialize in older adult mental health, and most patients pay $0 out of pocket.
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Meet Our Indiana 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 Indiana seniors begin therapy within 24-48 hours.
What Medicare Covers for Therapy in Indiana
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 36% of Indiana beneficiaries—often have lower copays, with some offering $0 for mental health visits.
How Much You'll Pay for Therapy with Medicare in Indiana
With Original Medicare—which 64% of Indiana beneficiaries have—you typically pay 20% of the Medicare-approved amount for therapy after meeting your Part B deductible ($240 in 2025). For a typical session, that's around $20-30. If you have a Medigap policy, it may cover some or all of this cost. The 36% of Indiana beneficiaries with Medicare Advantage often have lower copays. Sailor Health handles Medicare billing directly, and most of our patients—regardless of coverage type—pay $0 out of pocket.
Mental Health Among Indiana Seniors
17.6% of Indiana's population is 65 and older—that's 1,283,936 Medicare beneficiaries who may need mental health support at some point.¹ ² CDC data shows 22.2% of Indiana adults have reported a lifetime diagnosis of depression, above 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 Indiana 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 Indianapolis, Fort Wayne, and across Indiana. 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. 1,283,936 Indiana 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
How many seniors in Indiana have Medicare?
1,283,936 Indiana residents are enrolled in Medicare as of 2024.¹ That's one of the largest Medicare populations in the country. All of these beneficiaries have coverage for mental health services, including therapy and counseling, under Part B.
Is therapy covered differently under Original Medicare vs. Medicare Advantage?
Both cover therapy, but cost-sharing differs. Most Indiana beneficiaries (64%) have Original Medicare, which pays 80% after your deductible.¹ Medicare Advantage (only 36% in Indiana) may have lower copays but often limits you to in-network providers. Sailor Health accepts both and handles all billing.
How much will I pay for therapy with Medicare in Indiana?
With Original Medicare, you pay 20% of the approved amount after your $240 annual deductible—typically $20-30 per session. Medicare Advantage plans (36% of Indiana beneficiaries) often have lower copays, sometimes $0.¹ Sailor Health handles all billing, and most of our Indiana patients pay nothing out of pocket.
Does Medicare cover therapy in Indiana?
Yes. Medicare Part B covers therapy and counseling for all 1,283,936 Medicare beneficiaries in Indiana.¹ You can see licensed psychologists, clinical social workers, professional counselors, and psychiatric nurse practitioners. Both in-person and telehealth sessions are covered.
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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