How to Afford Therapy: Practical Tips for Getting the Help You Need
Seeking therapy can be a crucial step towards mental well-being, but the cost can sometimes be a barrier. Recently, I think a lot of us have been experiencing more financial hardship, so I wanted to put together a resource list of some things to consider to make therapy more affordable, if you are unable to or are choosing not to use insurance. As a caveat, despite these resources, therapy is still inaccessible for many folks, often due to larger inequity, social stigma, and oppressive structural issues.
Request Sliding Scale Rates
Many therapists understand the financial strain that therapy can impose and offer sliding scale rates. You may also hear this referred to as “equity pricing'“ or “negotiated rates.” This simply means they adjust their fees based on your income. Don’t hesitate to ask your therapist if they provide this option; it’s a common practice and can significantly reduce your costs. Some therapists keep a specific, limited number of sliding scale spots. Sliding scale rates ensure that therapy remains accessible to those who need it most, regardless of their financial situation.
You also can check out the Open Path Collective directory to find therapists who have lower rates or available sliding scale slots.
Use HSA/FSA Accounts
If you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you can use these funds to pay for therapy sessions. These accounts allow you to set aside pre-tax dollars for medical expenses, including mental health services. By using HSA or FSA funds, you can save on taxes and make therapy more affordable. Check with your account provider to understand the specifics and how to use these benefits effectively.
Try Group Therapy
Group therapy can be a much more cost-effective alternative to individual sessions. It provides a supportive, therapeutic environment where you can share your experiences and learn from others facing similar challenges. Group therapy often costs less per session than one-on-one therapy while still offering substantial benefits. It’s a great way to receive professional guidance and support without the higher price tag of individual therapy.
Superbill for Out-of-Network Insurance
If your therapist is out-of-network, ask if they can provide you with a superbill. A superbill is an itemized receipt that you can submit to your insurance company for potential reimbursement. While not all insurance plans cover out-of-network providers, many do offer partial reimbursement. This option can help offset the cost of therapy and make it more manageable within your budget. Be sure to check with your insurance provider to find out if you have these benefits and what your deductible is.
I also am signed up with a service called Mentaya that submits these fancy therapy receipts for you, so you don’t have to deal with the insurance company. It takes a small percentage of the session rate each time it submits a claim on behalf of the client.
See an Intern
Another way to access lower cost therapy is through seeing therapists-in-training, usually interns. Many group private practices hire interns, and interns do practice under the supervision of a fully licensed therapist. Again, fees will vary, but I typically see interns offering sessions for between $25 and $60. Plus, interns are in the midst of absorbing all the newest research and information at school, so they will have theory top of mind. They are hungry for the chance to help and finally do clinical work.
Utilize Free Resources
In addition to traditional therapy, there are numerous free resources available that can support your mental health journey. For instance, joining a therapeutic book club can provide community support and insightful discussions around mental health topics. Books offer valuable perspectives and strategies that can complement your therapy. Other free resources might include online support groups, mental health apps, free talks and webinars, and community workshops.