Guide For Affordable Therapy And Budget-Friendly Counseling
Whether you’re living with a mental health condition or simply want to invest in your well-being, therapy is a powerful form of self-care for people of all backgrounds.
But if you’re also living with a tight budget, the costs of therapy – not to mention, the hassle of getting to an office – might prevent you from seeking the help you deserve.
At BetterHelp, we believe that therapy should be available, affordable, and effective, regardless of your mental health history and goals. So today, we’re showcasing affordable therapy options and low cost counseling, so that you can implement quality mental health care into your self-care routine.
How Do I Find An Affordable Therapist?
Rest assured: even if your finances are limited, it’s possible to find a professional, board-certified therapist without taking on another financial burden.
If you’re searching for an affordable therapist, these five suggestions can get you started on the journey. Keep in mind that the process of finding a therapist is unique to you, so feel free to adjust or skip these tips based on your personal circumstances.
1. Contact Your Insurance
If you have health insurance, call your insurance provider to ask about mental health care coverage under your plan. They may be able to provide a list of “in-network” therapists who accept your insurance, so that you only have to pay a co-pay: the set fee you pay for a therapy session. People with co-pay plans may pay around $15-$45 per session. Many policies have quite incredible out-of-network coverage as well, so be sure to confirm your “out-of-network, out-patient, mental health” coverage, including that deductible (which is typically separate from your in-network deductible), and how much is remaining for this calendar year, too.
2. Ask About Sliding Scale Therapy
For patients without insurance, sliding scale providers can be an excellent alternative. In consideration of your financial circumstances, these providers provide services at a reduced cost so that you can attend more sessions.
You can search for low-cost and sliding scale providers in your geographic area, or ask your current therapist or doctor about lower-cost counseling options. In many cases, they’re happy to connect you to organizations or individuals that support your budget and long-term therapy goals.
3. Use School Or Workplace Therapy Benefits
If you’re a student at a college or university or a salaried employee, you might have mental health benefits! Many school campuses and workplaces offer in-person or teletherapy options for their students and employees.
Depending on where you work, you may have the Employee Assistance Program (EAP): a 24/7, year-round program that provides mental health assessment, short-term counseling, referral, and coaching services to federal employees.
4. Look For Group Therapy Or Support Groups
In many cases, group therapy is less expensive than individual therapy, and researchers have also found that group and individual therapies are similarly effective. Depending on your personality and goals, you might even prefer the unique benefits of group therapy, which include a sense of community, the opportunity to listen to others, and reassurance that you’re not alone.
If you’re currently working with a therapist, they might be able to direct you to an online or in-person support group based on your health history, personal beliefs, and treatment goals. In your local area, faith-based institutions and community centers may offer specialized support groups.
Keep in mind that support groups may not technically qualify as “group therapy,” since they’re not always led by a licensed therapist. Regardless of their technical definition, these groups can provide meaningful insights and human connection.
5. Try Online Therapy
At BetterHelp, we understand that not everyone has the time or financial resources for traditional, face-to-face counseling. In keeping with our mission, we feature thousands of board-certified, highly trained therapists who believe in the power of high-quality and available therapy. In comparison to in-person therapy, which can cost anywhere from $100 to $200 per session, online platforms like BetterHelp typically cost $60 to $90 per week, billed every four weeks. As a client, you can “check in” to your appointments at a time and place that works best for you.
Researchers have found that online therapy can be just as effective as face-to-face sessions. In a 2019 study of online or “telepsychology” interventions, researchers reviewed details from 24 studies. They concluded that both video teleconference and telephone-delivered interventions can effectively treat several mental health conditions, including depression, anxiety, posttraumatic stress disorder, and adjustment disorder.
Other Affordable Mental Health Resources
Even after you settle into a routine with your therapist or support group, there are other resources that can supplement your mental health care, outside of regular therapy sessions.
The following organizations offer free crisis services and other general resources, such as blogs and self-care “toolkits,” that can offer both immediate advice and support for your long-term treatment plan.
National Domestic Violence Hotline: 1-800-799-SAFE (7233)
Crisis Text Line: Text HOME to 741741
Veterans Crisis Line: Call 1-800-273-8255 (and press 1) or text 838255. For support for the deaf and hard of hearing community, please use your preferred relay service, or dial 711 then 1-800-273-8255.
Trevor Lifeline (LGBTQ Helpline): (866)488-7386
SAMHSA National Helpline (Substance Use Helpline): 1-800-662-HELP (4357)
National Eating Disorder Association Helpline:1-800-931-2237
When you call or text these organizations, you’ll speak to highly trained and compassionate individuals. Sometimes, they have personal experience with the concerns you’re facing, and can guide you toward the next steps for treatment or support.
If you’re looking for more generalized support, Mentalhealth.gov features resources for a range of mental health concerns, including behavioral disorders, mood and personality disorders, and specialized topics for young people and older adults.
In our online era, these free digital resources can be an invaluable asset to your recovery journey – and more resources emerge every day. As you review them, feel free to contact your doctor, therapist, support group leader, or another trusted resource for personalized recommendations.
Review For Online Counseling With BetterHelp
“Joanne far exceeded my expectations for therapy. I was very hesitant to try online counseling and Joanne made this so easy, productive, and beneficial. She was everything I needed to help me work through my issues and make a plan for a successful future. I look forward to our sessions and am so grateful I chose her as my therapist. We all need Joanne in our lives!” Read more on Joanne Shrock.
Takeaway
Professional mental health services should be available, affordable, and convenient – and these therapy options and online resources are working to make this vision a reality. With BetterHelp and other online platforms, affordable counseling is within reach.
As you begin your search, keep this guide handy. Regardless of your motivation for therapy, you deserve a compassionate, experienced professional who will honor your financial circumstances and mental health goals.
Frequently Asked Questions (FAQs) About Affordable Therapy
Which Type Of Therapy Is Most Cost-Effective?
The most cost-effective therapy will vary depending on your budget and where you live in the world. In regions where the cost of living is lower, you may find that in-person therapy is affordable enough for your budget.
In general, however, the most cost-effective therapies are usually group therapy and online therapy via BetterHelp and other platforms. If you have health insurance, the costs of mental healthcare could be even lower.
Even if you don’t have insurance, many therapists and counselors offer sliding scale fee options. In these cases, therapists will consider your finances and offer a lower-end fee if you’re unable to afford the full price of therapy sessions.
How Much Does A Typical Therapy Session Cost?
In the U.S., the cost of a typical therapy session ranges widely. According to Forbes Health, the average therapy session in the U.S. costs $100 to $200 without insurance.
People with health insurance may have a co-pay plan. Under this plan, patients pay a set fee or “co-pay” every session, ranging from approximately $15 to $45.
What Are The Most Affordable Online Therapy Options?
One of the most affordable online therapy options is BetterHelp, a platform with thousands of accredited mental health professionals. BetterHelp costs $60 to $90 per session and matches patients to online therapists within 24 hours.
Another option is ReGain, an online therapy service that specializes in marriage and relationship counseling. This service may appeal to romantic partners or individuals who are navigating relationship obstacles. Like BetterHelp, ReGain costs $60 to $90 per session and focuses on affordable, professional therapy.
How do you see a therapist when you can't afford it?
Where can I talk to someone for free?
Is counseling worth the money?
Where can I get a therapist for free?
Is there someone I can talk to about my problems?
Who to talk to for advice?
Which is better therapy or Counselling?
Why is therapy expensive?
Who benefits from counseling?
What is the best type of counseling?
How do I know if I need therapy?
Can you heal yourself without a therapist?
- Previous ArticleFacing Life Squarely With The Support Of A Personal Counselor
- Next ArticleWhat's A Mental Health Counselor And How To Find One