How Much Does Therapy Cost Without Insurance? Best Low-Cost Therapy In 2022 | MyTherapist

How much does the therapy cost?

If you’ve been struggling with whether or not to have therapy (because you’re concerned about costs), you’re among the millions of people in the United States who have this problem. In this article, we answer some of the questions you have about therapy costs that may have kept you from seeking the help you need. Costs shouldn’t get in the way of getting the help and resources you need.

Reading: How expensive is therapy without insurance

we will address the questions of “does therapy cost money?”, what is the cost of therapy without insurance? find a financial solution and remove any obstacles to participating in therapy. Let’s start by answering the question, “How much does therapy cost with insurance?”

how much does therapy cost with insurance

Insured therapy is also called in-network or out-of-network therapy. In other words, some companies are in-network with your insurance company, while others are out-of-network with them. Fortunately, most insurance companies understand that they do not work with all therapists. however, if your therapy is with insurance, then you need to understand certain things. examples of what you need to understand are deductibles, reimbursement percentage, allowed amount, and more.

Deductibles mean the amount of money you spend before you begin to experience the benefits of your insurance plan. At this point, you can meet your deductible, or spend an amount equal to your deductible, then you can start reaping your insurance benefits. For example, if your deductible is $1,500, you must spend $1,500 out-of-pocket before your out-of-network therapy benefits begin. therefore, if you pay $150 per therapy, you must pay for 10 sessions before you begin to experience benefits.

A 2008 federal mandate required all major health insurance providers to offer the same coverage options for mental health services and medical health services. With more than 20 million adults in the United States experiencing problems related to mental illness and lack of mental health care, this should come as no surprise.

People with mental health insurance have the right to receive mental health-related services under their health plan including: evaluation, diagnosis, and treatment of mental illness and mental health-related conditions.

A mental illness is considered to have individual or combined mental health conditions that affect mood, thinking behavior, and daily functioning. Without proper treatment and support, people with problems related to mental illness can experience the effects of aggravating negative symptoms.

A person is considered to have a mental illness if he or she has one or more mental health problems that cause trouble functioning in daily life. Debilitating mental health issues like depression, anxiety, post-traumatic stress disorder, and bipolar disorder can have devastating effects on individuals, couples, and families.

While these specific disorders are considered mild disorders that do not typically require emergency intervention, close monitoring, therapy, and medication management are often required to mitigate the effects of living with the symptoms caused by these mental health conditions. .

More serious health conditions such as schizophrenia and others that require hospital treatment require a higher and more persistent level of care than their moderate counterparts. Health insurance plans must provide affordable coverage, copays, and low out-of-pocket costs for those who have insurance and are experiencing mild, moderate, or severe mental health problems.

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in most US states. In the US, Medicaid is also required to meet the standard of the Federal Parity Act of 2008. As stated above, the law requires that mental health treatment services be affordable and available to all citizens of the United States. and that they are considered for the public good. the exact amount of insurance coverage will vary between insurance providers. To find out your expected copay, annual out-of-pocket maximum, and covered services, contact your insurance provider directly. Now that we’ve given you an idea of ​​how much therapy costs with insurance, let’s move on to therapy costs without insurance.

What is the cost of therapy without insurance?

Before the days of mental health advocates and mental health awareness campaigns, visiting a therapist in any capacity was considered a luxury most people couldn’t afford. Today’s out-of-pocket therapy costs are affordable for most working families and range from $65.00 to $200.00 per session.

When you consider the costs of spending life in the fog and how much therapy used to cost, at least in this range a larger segment of the US population can be served.

This is not to say that less expensive options for obtaining therapy are not available. in fact, there are a few ways to get free, reduced, low-cost, or sliding-scale therapy. online therapy is becoming one of the most popular options for affordable therapy.

Leading online therapy platforms like offer affordable therapy at low cost.

Online therapy sessions at betterhelp start from $40.00 per week for unlimited messaging sessions with a licensed and board certified therapist within your state. the cost of therapy used to be considered a luxury and prevented most people from taking better care of their mental health. Having low-cost options available is great news for most families who can now afford to participate in therapy at a price they can afford, from the comfort of their own homes.

cost breakdown: free, affordable and low-cost therapy options

Even with low-cost options available like, there are still some families who may struggle to keep up with the costs of individual, couples, or family therapy. The good news is that there are still options available for people who also fall into this category. Current public health departments are staffed by medical and mental health professionals who provide community-based therapy services based on a client’s income and ability to pay.

While there may be a long wait or potentially reduced quality of care in participating in publicly sponsored therapy, receiving “some” therapy is better than the alternative. You may be surprised at the high quality of care you receive at some public mental health centers as federal and state agencies begin to take notice and put more money into mental health care services.

In the meantime, the fact that mental health services are available to all American citizens, regardless of income level, should help you make the critical decision to take charge of your own care and consult with a mental health professional. authorized. if your circumstances or a (referral from your primary care physician) suggests you should. is a therapist matching service that can help you find the best therapist for your individual, couple and family needs. Use the mytherapist website to find licensed, trained, and board-certified providers who can help you put the pieces back in your life.

the therapy combination service is free to use.

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How do I get health insurance to help pay for the cost of therapy?

The federal Mental Health Parity Act of 2008 requires that mental health services be as available and affordable as traditional health insurance. There are special provisions in the law that require employers with more than 50 employees to provide medical and mental health insurance coverage to their employees at a reasonable cost.

If you’re employed by a company that has more than 50 employees, contact your health insurance benefits administrator or human resources department to learn about your coverage options.

Online health marketplaces can help you determine if you qualify for low-cost or reduced-cost mental health care coverage. For people seeking free or sliding-scale medical or mental health services, your state’s online health marketplace is where you can apply for Medicaid and other state programs that provide free, income-based health insurance coverage. /p>

How much does therapy for depression cost?

If you’ve been wondering if your therapy will cost more or less based on your diagnosis, the answer is yes. For example, if you are asking the question “how much does therapy for depression cost?” there are several factors to consider. critical factors to consider related to depression are the severity of symptoms.

Are you living with major depressive disorder or a mild form of depression called dysthymia? All of these factors play a role in costs because they will affect the number of recommended therapy sessions, medication management, and adjunctive treatments that may be required.

Regardless of the severity of symptoms, your costs for the treatment and management of any medical condition should not exceed the reasonable and customary amount for the national average, which is $65.00 to $200.00 per session for traditional in-office therapy .


Online therapy providers provide services for non-emergency mental health treatment. If you’re experiencing depression, one way to lower your out-of-pocket costs for therapy is to get therapy online with a licensed professional.

cost of therapy for other mental health problems

In general, the cost of therapy can differ depending on the mental illness being considered. some therapists charge up to $250 per hour. however, the national average is between $60 and $120. however, be sure to consult the therapy provider appropriately before jumping to conclusions. In addition to depression, there are other conditions that require therapy or counseling. For example, grief counseling is traditionally in the range of $70 to $150 per hour. Depending on one’s location, sex therapy also has a specific cost. therapy is typically between $100 and $200 per hour. In general, fees depend on the therapist you choose and their level of experience. Interestingly, there are other forms of counseling, such as anger management classes, art therapy, and more, that also have their individual cost ranges. for anger management, one can invest between $50 and $150 each session. plus, art therapy costs around $250 too. the cost of cognitive behavioral therapy is generally around $200 for each session. in general, the cost of therapy appears to be relatively high. however, compared to the benefits that patients can get, it is totally profitable.

individual therapy session and counseling cost: conclusion

Now that you understand the potential costs of therapy, you should feel comfortable making an informed decision about how you will attend therapy. due to the 2008 federal parity law, therapy is mandatory and affordable for everyone.

If none of these options seem right for your family’s budget, consider applying for mental health services using your local public health department or through a local community action agency. Free and reduced-cost therapy sessions are available to everyone. ready to start on the road to recovery with betterhelp today? Contact a therapist online and take advantage of your free consultation today.

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