Most of our Medicare patients have a $0 copay
Therapists in Minnesota that accept Medicare
48% of Medicare beneficiaries in Minnesota have Medicare Advantage plans—and that's good news for your wallet. Many MA plans offer $0 copays for therapy, making mental health care more accessible than ever. Sailor Health connects seniors in Minneapolis, St. Paul, or Rochester and throughout Minnesota with licensed therapists who specialize in older adult mental health. We work with Medicare Advantage and Original Medicare, and most patients pay nothing out of pocket.
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Meet Our Minnesota 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 Minnesota seniors begin therapy within 24-48 hours.
What Medicare Covers for Therapy in Minnesota
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 Minnesota, where 48% 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 Minneapolis or rural Minnesota, both in-person and video sessions are covered.
How Much You'll Pay for Therapy with Medicare in Minnesota
Your out-of-pocket cost depends on your coverage type. 48% of Minnesota 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 Minnesota patients pay nothing out of pocket for their therapy sessions.
Mental Health Among Minnesota Seniors
18.2% of Minnesota's population is 65 and older—that's 1,046,384 Medicare beneficiaries who may need mental health support at some point.¹ ² CDC data shows 20.2% of Minnesota 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 Minnesota 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 Minneapolis, St. Paul, and across Minnesota. 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. 1,046,384 Minnesota 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 Minnesota have Medicare?
1,046,384 Minnesota 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.
What's the difference between Medicare Advantage and Original Medicare for therapy in Minnesota?
In Minnesota, 48% of beneficiaries have Medicare Advantage, while 52% 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 Minnesota?
Yes. Medicare Part B covers therapy and counseling for all 1,046,384 Medicare beneficiaries in Minnesota.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 Minnesota?
It depends on your plan. 48% of Minnesota 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.
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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