Total Life

What the Service Is

Total Life is an online mental health service built specifically for older adults, with a focus on making therapy accessible and affordable through Medicare coverage. The company provides therapy and psychiatry services delivered by phone or video, along with cognitive testing, wellness programs, and weight management support. Total Life has served over 10,000 adults and conducted more than 100,000 sessions. The service operates across all 50 states and works with Medicare and most major insurance plans.

What You Actually Get

When you start with Total Life, you reach out through the website or by calling 1-800-567-LIFE, and the company verifies your insurance coverage at no cost. This verification step takes about 90 seconds and determines whether therapy will be covered at no out-of-pocket cost or if you'll have a small copay. After verification, a short conversation with someone at Total Life helps identify your needs, and the company then recommends an experienced therapist and schedules your first session. Your therapist reaches out on the scheduled date either by phone or video, and you begin working through what matters to you from there.

Total Life offers several types of therapy: individual therapy for one-on-one support with a wide range of mental health concerns, group therapy as a supportive online community guided by licensed therapists, family therapy to work with your whole family on communication and relationships, couples therapy for relationship challenges and reconnecting with each other, and caregiver therapy as a space to process emotions and build coping strategies while caring for someone else. The company structures care around what it calls a holistic approach to aging well, built on six interconnected pillars: mindset (mental health and resilience), relationships (connection and purpose), vitality (movement and energy), security (financial stability and peace of mind), restoration (rest and recovery), and nourishment (food and fuel).

Beyond individual and group therapy, Total Life provides cognitive testing for early detection and brain health programs to keep minds sharp, live and on-demand wellness classes for strength, balance, mindfulness, and connection, GLP-1 access for support with healthy weight management in older adults, and an AI wellness coach called Lily. Lily is described as part of Total Life's holistic care experience, combining technology with human connection to help you feel your best every day. Through Lily, you can check in with how you're feeling, ask questions, get reminders, and stay on track with your care goals throughout your journey with Total Life.

What the Pages Prove

Total Life emphasizes that therapy is covered by Medicare. The company says its services are up to 100% covered by Original Medicare and that most insured clients have a $0 copay. If you have Original Medicare and a supplemental plan, therapy can often be entirely covered. For those with a Medicare Advantage plan, there may be a small copay. The company accepts Medicare and most major insurance plans. It serves all 50 states. A quick online insurance check takes 90 seconds, or you can call 1-800-567-LIFE to verify your coverage.

All Total Life therapists are licensed in the state where you receive care and have a high level of education, with master's degrees and above. The company lists several licensed clinicians on its website, including psychologists licensed in Colorado and Florida, with years of clinical experience. The company's site notes that Total Life is HIPAA-compliant and that therapy services are provided by licensed clinicians in the state where the patient resides.

The service addresses a range of conditions and life challenges: anxiety, depression, grief and loss, cognitive decline, chronic pain, life transitions, and trauma. The company frames its approach around the idea that healthy aging starts with a healthy mindset and connects mental health to physical wellness. Total Life has served over 10,000 adults and led over 100,000 sessions. A key metric the company highlights is that 92% of members stay with their assigned therapist, suggesting strong provider continuity and satisfaction with matches. The company's site includes testimonials from members and notes that therapists are personally matched to your needs.

What the Service Does Not Say

Total Life does not publish specific session pricing on its public site. It emphasizes that therapy is covered by Medicare and that most members have a $0 copay, but it does not break down what therapy costs if you are uninsured or what the actual rates are before insurance is applied. The coverage you receive depends entirely on your specific insurance plan and requires that you verify your coverage first. The company's site does not provide wait times for initial appointments or how long it typically takes to be matched with a therapist after verification. While the site lists several therapists' names and licenses, it does not publish a full directory of all available therapists or details about their specialties beyond what's shown on a few profile pages. The company does not specify which psychiatric medications it can or cannot prescribe, if it offers medication management at all, or whether psychiatry is a standard part of all plans.

Who It Fits and Who It Does Not

Total Life is the strongest fit for Medicare-eligible older adults, particularly those with Original Medicare who can afford a supplemental plan or those with Medicare Advantage plans that cover mental health services. If you prefer talking by phone rather than video, the company supports both. If you're looking for therapy that connects mental health to overall wellness and includes access to cognitive testing, fitness classes, and other holistic services, Total Life's broader offering may appeal to you.

The service is less suitable if you are uninsured and cannot afford to pay out-of-pocket, since the pricing model relies on Medicare or other insurance to make care affordable. It may not be the right fit if you prefer email or messaging-based therapy instead of video or phone calls. If you need medication management or psychiatric care as your primary need, you would want to verify with Total Life directly whether that's available and covered under your specific plan, since the site emphasizes therapy and does not clarify psychiatry details clearly. If you live outside the United States, Total Life does not serve those areas.