How do I pay for mental health therapy?
One important part of finding a mental health therapist is affordability. Some therapists offer low rates – as low as $10 a session. Other therapists with a lot of experience or specialized training might charge more.
There are several ways to pay for therapy:
- Out-of-pocket is when you directly pay your therapist with cash, check, or a credit card.
- Sliding scale therapists offer a price range that depends on your budget and ability to pay.
- Pro bono therapists provide therapy for free and often work for nonprofit counseling centers or government mental health agencies.
- Co-pay is when you use your insurance and pay a set fee for every visit.
- Co-insurance is when you use your insurance and pay a percentage of the therapist’s fees yourself. Your insurance pays the other part.