Vermont
Therapists in Vermont that accept Medicare
Personalized therapy sessions with licensed professionals who focus on the experiences, grief, and changes faced by older adults.
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What Medicare Covers for Therapy in Vermont
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. With Original Medicare—which most Vermont beneficiaries have—you typically pay 20% of the Medicare-approved amount after meeting your annual deductible ($240 in 2025). Both in-person appointments and telehealth sessions are covered, giving Vermont seniors flexibility in how they receive care.
How Much You'll Pay for Therapy with Medicare in Vermont
With Original Medicare—which 86% of Vermont 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 14% of Vermont 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.
Depression Among Vermont Adults: The Numbers
24.2% of adults in Vermont 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 Vermont's 22.9% 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.
Telehealth: Mental Health Care That Comes to You
In a state like Vermont, with 151,303 Medicare beneficiaries spread across a smaller population, finding a local therapist who accepts Medicare and specializes in older adults can mean long drives or long waits.¹ Telehealth changes that equation. With Sailor Health, seniors in Burlington, South Burlington, and everywhere in between can meet with a licensed therapist via secure video call—no travel required. Our therapists are trained in evidence-based approaches like cognitive behavioral therapy, and all are experienced in the unique mental health needs of older adults.
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.
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Frequently asked questions
Why is therapy important for Vermont seniors specifically?
Vermont has one of the highest depression rates in the country (24.2%) and a large senior population (22.9% 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 Vermont seniors via telehealth.
What percentage of Vermont's population is 65 and older?
22.9% of Vermont 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.
Can I get therapy via telehealth in Vermont?
Yes, and for many Vermont seniors, telehealth is the most practical option. With 151,303 Medicare beneficiaries spread across the state, 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.
How many people in Vermont have Medicare?
151,303 Vermont 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.
How common is depression among adults in Vermont?
24.2% of adults in Vermont 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.
Is therapy covered differently under Original Medicare vs. Medicare Advantage?
Both cover therapy, but cost-sharing differs. Most Vermont beneficiaries (86%) have Original Medicare, which pays 80% after your deductible.¹ Medicare Advantage (only 14% in Vermont) 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 Vermont?
Most Vermont beneficiaries (86%) 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.
Does Medicare cover therapy in Vermont?
Yes. Medicare Part B covers therapy and counseling for all 151,303 Medicare beneficiaries in Vermont.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.
