People on Medicare who want to see a therapist often wait up to six months for an appointment, but relief is on the way.

Starting Jan. 1, licensed marriage and family therapists will be able to accept Medicare insurance.

Joy Alafia, executive director of the California Association of Marriage and Family Therapists, which represents 36,000 therapists, said the change will help thousands.

"We already see that about 30% of people with Medicare insurance do live with a mental illness, and only about 15% receive treatment from a behavioral health specialist," Alafia reported. "That data was as of 2021. So this is really a need that exists, wait times are extremely long, and this will help address them."

Therapists can help people who may be lonely and isolated battle anxiety, depression, addiction, mood disorders, stress or trauma. To set up an appointment, people can check with their Medicare provider.

Bindu Khurana-Brown, a licensed marriage and family therapist and associate director of the nonprofit Momentum for Health, a crisis unit for adults with serious mental illness as well as a community mobile response team at Momentum Health in San Jose, said the additional providers will be able to help with immediate mental health needs.

"When somebody finally makes that choice, that I want to get help, they can easily be deterred from seeking treatment if there's nobody available," Khurana-Brown pointed out. "Because there were fewer providers able to be on Medicare reimbursement, it limited just the amount of people who are educated and qualified to help people in need."

Licensed marriage and family therapists comprise 40% of the behavioral health workforce in California, which also includes social workers, psychologists and psychiatrists. Older adults are expected to make up one-quarter of the state's population within 7 years, as the over-60 population is projected to grow faster than any other age group.


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More than 3 million New Yorkers have a diagnosed mental illness but only around one in three can get the care they need to treat it.

The barriers stem from many factors, like so-called "fail first" policies, which require people to try an insurer-preferred medication first, before covering the original prescription.

Matthew Shapiro, senior director of government and cultural affairs for the New York State Chapter of the National Alliance on Mental Illness, said another issue is what are known as "ghost networks."

"In some cases, up to 75% of providers that the insurance company gives to their client don't actually exist," Shapiro pointed out. "They're no longer practicing in the area. We call that 'ghost coverage,' where they're telling you coverage is there and it's not."

A 2023 New York State Attorney General report found 86% of providers listed on health plan networks are not valid listings. The report recommended state regulators crack down on insurers to maintain consistent and accessible levels of care for all. Another barrier is low mental health care reimbursement rates for providers.

As mental health issues rise nationally, insurance coverage needs to meet the moment. Federal laws like the Mental Health Parity and Addiction Equity Act and the Affordable Care Act ensure behavioral health coverage is on par with other health care.

David Lloyd, chief policy officer for the mental health advocacy organization Inseparable, said loopholes in the laws still have to be closed.

"What mental health advocates across the country and in states are pushing for is to make sure when a doctor is recommending treatment, the health plan has to cover those services when they're consistent with what the standards of care are," Lloyd explained.

The biggest challenge to closing loopholes is lawmakers finding the political will to do so. Lloyd added the overall goal is to align providers' and insurers' standards of care, so patients get the treatment they need.

While New Jersey has made gains in K-through-12 mental health support, advocates said the state needs to do more.

In recent years New Jersey has passed legislation and seen a mix of state and federal grants awarded to help expand access to school based mental health services. In December, Montclair State University was awarded a federal grant to recruit and train school psychologists. Last fall, Rutgers University announced a similar grant aimed at increasing the number of highly trained school counselors.

Angela Kimball, chief advocacy officer for the mental health advocacy organization Inseparable, said for many people accessing mental health services can seem intimidating.

"When we offer mental health services in schools, it serves to actually normalize the idea of getting support for your mental health," Kimball explained. "That really reduces stigma, and it reduces other barriers to people getting the kind of support they need to thrive. "

The American School Counselor Association recommends a ratio of 250 counselors per student. New Jersey has improved its ratio from 2019 when it was near 350 counselors per student. In 2024, the number was just under 300 to one.

The state is currently in the second year of the New Jersey Statewide Student Support Services network, which offers support to all students in the state through 15 regional hubs. The hubs are staffed by prevention specialists and licensed clinicians, and can deliver services in schools, other community settings and virtually.

The hubs offer three tiers of services ranging from workshops in tier one, to prevention services in tier two for groups of at-risk students and individualized intervention services in tier three. The program was intended to replace existing school-based services in place since the 1980s at 90 schools throughout the state. The school-based programs were preserved after some pushback and Kimball noted research points to benefits for keeping services in schools.

"Research is showing that youth who get school-based services are six times more likely to complete a full course of treatment than with community-based treatment," Kimball reported.

Last year, the New Jersey Department of Education found 13% of 12-17-year-olds in the state reported at least one major depressive episode in the past year, with 8% reporting a severe episode.

Advocates said the kids aren't all right and want to tackle the youth mental health crisis head on in schools.

A study of Maryland's youth mental health care found 67,000 children in the state suffered from major depression and nearly half did not receive treatment.

In Maryland schools, the ratio of psychologists to students is nearly five times the recommended ratio. Even worse, the ratio of social workers to students is nearly 10 times the recommended ratio.

Angela Kimball, chief advocacy officer for the mental health advocacy organization Inseparable, said increasing school-based mental health services would overcome barriers some students face when trying to access care.

"They're less stigmatizing," Kimball pointed out. "They normalize mental health care. They're available without cost. They don't require transportation or parents taking time off work. School mental-health services offer this opportunity to reduce barriers and get kids the support they need."

Youths who receive school-based mental-health services are six times more likely to complete a full round of treatment, according to a U.S. Department of Education report.

Other studies have shown teaching students mental health literacy and life skills decreases symptoms of depression and anxiety. Kimball emphasized other states are expanding the ranks of their mental health services and including other students to help their peers.

"That means not just school mental health professionals but also expanding that workforce to take advantage of other caring adults and youths and young adults, who can actually provide support to their peers," Kimball explained.

Kimball argued Maryland should expand its school Medicaid program, which allows more money to flow into schools to better fund mental health services.