Therapists in Montana that accept Medicare

23.4% of adults in Montana 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.

Montana has one of the highest depression rates in the country (23.4%) and a large senior population (21.2% 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 Montana seniors via telehealth.

Yes, and for many Montana seniors, telehealth is the most practical option. With 237,732 Medicare beneficiaries spread across vast distances, local mental health providers can be far away or have long waits.¹ Medicare covers telehealth therapy—you meet with your therapist via secure video call. Sailor Health specializes in telehealth for seniors.

21.2% of Montana 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.

237,732 Montana residents are enrolled in Medicare.¹ While that's a smaller population, every beneficiary has coverage for therapy and counseling. Telehealth makes mental health care accessible even when local providers are limited.

Most Montana beneficiaries (79%) have Original Medicare, which covers 80% of therapy costs after your Part B deductible ($240 in 2025).¹ That typically means $20-30 per session. If you have a Medigap policy, it may cover the remaining 20%. Sailor Health handles billing, and most patients pay $0.

Both cover therapy, but cost-sharing differs. Most Montana beneficiaries (79%) have Original Medicare, which pays 80% after your deductible.¹ Medicare Advantage (only 21% in Montana) may have lower copays but often limits you to in-network providers. Sailor Health accepts both and handles all billing.

Yes. Medicare Part B covers therapy and counseling for all 237,732 Medicare beneficiaries in Montana.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.