How do I pay for mental health therapy?

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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.

With our matching quiz, Mental Health Match can match you with a therapist who meets your budget.

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