Best Psychologists That Accept Medicare in 2021

When looking for psychologists that accept Medicare and Medicaid, you'll have plenty of options to choose from, as most psychologists will accept both Medicare and Medicaid. Some states will vary in the amount of coverage you will qualify for, so make sure to check what your state's requirements are before finding therapists that accept Medicaid and Medicare.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
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UPDATED: Nov 27, 2021

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The Rundown

  • Most psychologists will accept both Medicare and Medicaid as a valid form of health insurance
  • Some states offer different Medicaid plans, so make sure to check what your state does and doesn’t cover
  • Non-participating providers can still be seen, but you will need to pay out-of-pocket for their services

When looking for psychologists that accept Medicare, it’s important to remember that while it might seem tricky to find someone, there are plenty of resources available to help you.

Almost all psychologists will accept both Medicare and Medicaid as a form of health insurance. But there may be some who don’t. A psychologist who doesn’t accept Medicare or Medicaid may do so for a variety of reasons, but thankfully they aren’t part of the majority.

Keep reading to find out where to find psychologists that accept Medicare and Medicaid. Enter your ZIP code above to start comparing health insurance quotes today. 

How do I find mental health providers that accept Medicare near me?

There are plenty of resources when it comes to finding therapists that accept Medicaid and Medicare health insurance.

Both the Medicare and Medicaid websites, as well as Physician’s Compare, have extensive results when it comes to providers that accept both forms of coverage.

After providing your state and some personal information, a database of qualified psychologists will be pulled for you.

Other resources to use:

Mental Health AmericaMHA uses a "fact sheet" to provide detailed information to help you choose a mental health professional
American Association for Marriage and Family Therapy AAMFT uses an extensive database to provide licensed professionals for family and marriage counseling
AARPGreat for those over 65 that need a professional that can also help with late-stages of life mental health care
American Psychiatric Association
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Due to the growing public awareness of the importance of mental health care, more insurers are covering mental health services than ever before.

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What does Medicare and Medicaid insurance cover?

Many people who are eligible for Medicare and Medicaid don’t realize they are, especially since the expansion of Medicaid under the Affordable Care Act.

But what exactly do Medicare and Medicaid cover?

Medicare Coverage

Medicare Part A covers inpatient mental health care, including the following services:

  • Lab tests
  • Medications
  • Nursing care
  • Room fees and meals
  • Other related services and supplies
  • Therapy and other mental health treatments

There is no coinsurance for the first 60 days of inpatient care. But after that period, people must pay increasing amounts of coinsurance for each day they remain in care.

DaysYou Pay
1-20$0, 100% coverage
21-100$185.50 per day
101-beyondAll expenses, 0% coverage
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Medicare mental health providers do have a lifetime limit of 190 days for inpatient treatment in a psychiatric hospital. Once that limit is reached, the fees will fall back to the patient.

Medicare Part B covers outpatient mental health care, including:

  • Diagnostic testing
  • Psychiatric evaluation
  • Medication management
  • Electroconvulsive therapy (ECT)
  • Partial hospitalization programs
  • Substance use disorder treatment
  • Group and individual psychotherapy
  • Activity therapies like art, dance, and music therapy
  • Family counseling to address a mental health condition

Medicare Part B has an annual deductible that changes over time. After the deductible is met, Medicare will cover up to 80% of outpatient services, leaving people to pay a 20% coinsurance on the Medicare-approved amount for that service.

Medicare Advantage Plan, also called Medicare Part C, is for any additional coverage. These plans are offered through private insurance companies and cover:

  • General practitioners
  • Nurse practitioners
  • Physicians’ assistants
  • Psychiatrists
  • Clinical psychologists
  • Clinical social workers
  • Clinical nurse specialists

Medicare Part D is the plan that covers prescription drugs. It is also administered by private insurance companies and is an optional branch of Medicare.

Medicaid Coverage

To determine eligibility for Medicaid, your income and assets will need to be evaluated. Based on this information, your coverage will vary.

Some states have added a “medically needy” category that allows people with incomes too high to qualify for Medicaid to be eligible via a “spend down” process that allows them to subtract their medical expenses from their income.

What kinds of services are often covered by Medicaid?

  • Counseling services
  • Therapy
  • Medication management
  • Social work services
  • Peer supports
  • Substance use disorder treatment

While some benefits are mandatory under federal guidelines, all states are not required to include optional benefits, including psychological services, in their Medicaid plans.

States that offer psychological services in their Medicaid programs will vary widely in what — and how much — they cover. While some states cover psychological treatment, others may only cover psychological evaluations.

Some states only cover psychological services provided at a community mental health center and exclude services provided by psychologists in private practice. States can also limit the number of visits an individual makes each year.

These cases will always vary from state to state, so check with your Medicaid plan to determine which services are covered.

Best Psychologists That Accept Medicare: Key Takeaways

There are plenty of resources to choose from when it comes to researching where to find psychologists that accept Medicare and Medicaid.

Most psychologists will accept both forms of insurance, so finding one will be relatively easy. If you do run into some trouble while searching for one, there are a few different databases you can use in order to find a psychologist in your area.

Now that you’ve learned where to find psychologists that accept Medicare and Medicaid, enter your ZIP code into our tool below and start comparing health insurance quotes today.

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