How do I pay for mental health therapy?

1 minute Mental Health Match Written by Mental Health Match Published 01/21/20

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:

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  • 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.

We’ll help you find the right therapist.

Our community of licensed therapists are trained in many different approaches, allowing us to match the right treatment to the right person.

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Mental Health Match is dedicated to making therapy accessible and approachable for everyone. We connect individuals with licensed therapists who specialize in their unique needs — whether it's anxiety, relationships, life transitions, or personal growth. We know the best therapeutic care is a result of a strong relationship between you and your therapist. Our mission is to help everyone find the right therapist.

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