Therapists in Maine that accept Medicare

Maine has one of the highest depression rates in the country (23.1%) and a large senior population (23.5% are 65+).² ³ Many older adults here face economic stress, rural isolation, and limited local mental health resources. Therapy—covered by Medicare—is an effective treatment. Sailor Health brings experienced therapists to Maine seniors via telehealth.

23.5% of Maine 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.

23.1% of adults in Maine have reported a lifetime diagnosis of depression—significantly higher than the national average of 18.5%.³ Depression often goes undiagnosed in older adults because symptoms like fatigue, pain, and withdrawal can be mistaken for normal aging. Therapy is highly effective, and Medicare covers it.

In Maine, 42% of beneficiaries have Medicare Advantage, while 58% 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.

With Original Medicare, you pay 20% of the approved amount after your $240 annual deductible—typically $20-30 per session. Medicare Advantage plans (42% of Maine beneficiaries) often have lower copays, sometimes $0.¹ Sailor Health handles all billing, and most of our Maine patients pay nothing out of pocket.

Yes. Medicare Part B covers therapy and counseling for all 347,589 Medicare beneficiaries in Maine.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.