Most of our Medicare patients have a $0 copay
Therapists in Missouri that accept Medicare
In Missouri, 23.4% of adults have reported a lifetime diagnosis of depression—well above the national average. For seniors in Kansas City, St. Louis, or Springfield and across the state, finding a therapist who accepts Medicare can feel like another barrier when you're already struggling. Sailor Health removes that obstacle. We connect older adults with experienced counselors who specialize in senior mental health, and Medicare covers your care. Most patients pay $0.
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Meet Our Missouri 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 Missouri seniors begin therapy within 24-48 hours.
What Medicare Covers for Therapy in Missouri
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 40% of Missouri beneficiaries—often have lower copays, with some offering $0 for mental health visits.
How Much You'll Pay for Therapy with Medicare in Missouri
Your out-of-pocket cost depends on your coverage type. 40% of Missouri 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 Missouri patients pay nothing out of pocket for their therapy sessions.
Depression Among Missouri Adults: The Numbers
23.4% of adults in Missouri have reported a lifetime diagnosis of depression—significantly higher than the national average of 18.5%.³ For older adults, depression often looks different than it does in younger people: fatigue, physical pain, social withdrawal, and memory problems can all be signs. Among Missouri's 18.7% of residents who are 65 and older, many cases go undiagnosed or untreated.² The good news is that depression is highly treatable, especially with therapy. Cognitive behavioral therapy (CBT), which Sailor Health therapists are trained in, is one of the most effective treatments for late-life depression.
Why Missouri 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 Kansas City, St. Louis, and across Missouri. 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. 1,248,399 Missouri 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 Missouri have Medicare?
1,248,399 Missouri 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.
How common is depression among adults in Missouri?
23.4% of adults in Missouri 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.
What's the difference between Medicare Advantage and Original Medicare for therapy in Missouri?
In Missouri, 40% of beneficiaries have Medicare Advantage, while 60% 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 Missouri?
Yes. Medicare Part B covers therapy and counseling for all 1,248,399 Medicare beneficiaries in Missouri.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 Missouri?
With Original Medicare, you pay 20% of the approved amount after your $240 annual deductible—typically $20-30 per session. Medicare Advantage plans (40% of Missouri beneficiaries) often have lower copays, sometimes $0.¹ Sailor Health handles all billing, and most of our Missouri patients pay nothing out of pocket.
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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