How Much Does a Psychiatrist Cost Without Insurance? | Policy Advice

Mental health is of the utmost importance, especially now that we are in the midst of a pandemic.

Just because restrictions are being relaxed in certain parts of the world doesn’t mean things like mental health will automatically pick up. In most cases, mental health recovery takes time, but it will always be worth it.

Reading: How much does a psychiatrist cost without insurance

For example, you may fear contracting the coronavirus, that is, fear for your health, or you may worry about doing simple things, such as going out. These are important issues to handle as signs that you need professional help.

That’s why it’s wise to find out the answers to questions like how much does a psychiatrist cost without insurance or if all insurance plans cover mental health treatment.

keep reading as in this article we will cover the initial question and other related ones. Let’s start by finding out how much a psychiatric diagnosis usually costs.


How much does a psychiatric diagnosis cost?

When considering how much psychiatrists cost, it would be wise to think of it as a long term process rather than a short one. simply because it’s not like you just have one session with a psychiatrist, and then everything will be fine.

Since this is an unlikely outcome, you can also put this notion out of your head. in any case, you may have several initial consultations until you find the psychiatrist that best suits your criteria. if this turns out to be the case, then the road to receiving a definitive diagnosis would be an expensive one.

Your first consultation (or intake appointment) will certainly cost a little more simply because it is an introductory session that requires more time. it is only fair that your chosen psychiatrist knows what has been on his mind recently that made you come to him.

On the plus side, be prepared to hear that you may need to have some medical tests (order blood tests, psychological tests, or other laboratory tests). all of this is necessary to rule out any medical reasons contributing to the psychological signs and symptoms you are experiencing. In addition, this is an excellent method that indicates to your psychiatrist the most appropriate treatment for your mental recovery.

In addition, you must take into account the charges that you must pay such as

However, your psychiatrist can give you a full description of such information and costs.

How much does psychiatry cost out of pocket?

If you’re wondering how much it costs to see a psychiatrist without insurance, the general price will be around $100 – $300 per session. however, some professionals charge even more. Still, as we mentioned, be prepared to pay more for the first session, as psychiatrists charge for consultations and follow-up sessions, most of which range from $400 to $600.

however, this largely depends on a few factors:

therefore, you may want to search for different professionals near your area to get various price rates and compare them. off the top of our heads, one of the easy ways to find out a particular psychiatrist’s fee is to visit her office or ask her staff about it.

very well, we cover how much you will have to pay for a psychiatric session without insurance. Let’s see if the cost goes down if you have insurance on your side.

how much does a psychiatrist cost with insurance?

Even if you have insurance, we cannot guarantee that it will be cheap to participate. psychiatrists are always expensive; however, insurance policies are here to make it a bit easier.

As we mentioned before, the introductory session will be the most expensive. In addition, if you will be using your insurance policy to cover your psychiatric treatment, it is important to understand how far your policy extends and what its limits are.

There are many costs associated with getting an appointment with a psychiatrist, not just the cost of the sessions themselves. these are some factors that reflect what the price of the psychiatrist is based on.

reference costs

Whether you need or don’t need a referral to see a psychiatrist is a common question, the answer to which depends on several things:

Anyway, in most cases, a reference is a must on your part. you can also self-refer to yourself or maybe someone in your family who is a minor, etc. still, we recommend that you carefully review your insurance coverage and find out in advance if you are entitled to a specific reimbursement in such cases.

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You are likely to come across two terms during your search for a psychiatrist visit, ‘in-network’ and ‘out-of-network.

in-network costs

Briefly, the network professionals will charge you less than the usual fee. This is because in-network providers have a contract with your health plan provider. Plus, your insurance provider will give you a full list of in-network psychiatrists so you can visit more than one or two to see which one best suits your needs.

This ensures that you get the health care services you signed up for at a pre-negotiated rate. You should expect to pay significantly less for this type of service than out-of-network services, but that doesn’t mean they’ll cover the full cost.

however, once you have classified your out-of-pocket expenses, you will have a defined amount of how much you will pay for a psychiatrist session. and the following elements will play their part in the formation of the price:

is the price you will have to pay on your own before the insurance coverage is activated. In other words, you will have to pay the full amount of your medical expenses.

This is a flat fee, ie the amount you will pay for each session. consequently, this amount is set by none other than your insurance provider. In the end, the psychiatrist will submit a claim to the insurance company you’re with to collect the rest of the money owed for that particular session.

copays depend significantly on the following elements:

For example, annual checkups may require a higher copay or no copay at all. Or, when visiting a particular specialist and your GP, of course, the two will have different copays.

Coinsurance is the percentage of the fee you pay per visit. In other words, this is what you pay after all deductibles are met.

out-of-network costs

outside the network, of course, is the opposite of inside the network. which means the provider does not consider your insurance plan. therefore, be prepared when you see the full price of the treatment and the mere fact that you have to pay for it.

Another option if you’re concerned about cost is to find out how much online psychiatry sessions cost. it may be a bit lower than what you’d find for in-person sessions, but not much, if at all. however, if you think it will be cheaper, you are kidding yourself.

That’s why it’s crucial that you really understand what your insurance policy does and doesn’t cover. By knowing the ins and outs of your health policy, you’ll avoid accumulating huge amounts that will eventually turn into debt.

Does insurance cover a visit to the psychiatrist?

not quite, is the short answer to this question. however, it depends on many variables.

For example, some private health insurance companies outperform psychiatrists, but not all. In other words, you must check carefully before agreeing to the terms of the insurance policy. Therefore, doing your research will be an essential factor in ensuring that you have the right one, especially if you think a psychiatrist trip is likely to happen soon.

For example, the Affordable Care Act health insurance plans guarantee mental health coverage. In addition, the law requires all small employer and individual insurance plans to include mental health treatment. Marketplace plans also offer this type of coverage along with substance use disorder services. in addition, the scope of coverage includes other behavioral health services.

On the plus side, Medicaid and Medicare also provide coverage that includes psychiatric treatment.

Medicare Part B coverage includes the following outpatient mental health services:

Whereas medicaid also offers extensive coverage for inpatient and outpatient mental health-related services (medication management, counseling, evaluation, etc.).

However, some psychiatrists do not accept insurance and are not required to do so. Furthermore, one of the reasons many private psychiatrists stopped accepting insurance was because private insurance companies did not meet industry standards. and another reason is the low reimbursement rates they get from the insurance companies.

Also, there is a lot of paperwork associated with insurance, and it’s just not that profitable for the psychiatrist to accept it. while this may not seem like a fair reason, it is one of the contributing factors.

insurance providers that cover visits to psychiatrists

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We have already mentioned that most insurance providers do not cover psychiatric or mental health visits. however, some still reach those who need these services.

So now that you have a better idea of ​​how much an insured psychiatrist costs, you should also know which insurance providers cover visits to the psychiatrist.

Without further ado, here are the top 4 insurance companies that cover this type of medical need:

united health

There is a general consensus that united healthcare offers the best policy for mental health care. In addition, they provide comprehensive mental and behavioral health care as part of insurance plans.

This insurance company provides online mental health assets + effortless access to your prescribed therapy when needed. and that’s not all; united healthcare also offers 24/7 support lines. however, it would be best if you have the patience to see a provider in person, as it takes time to find an in-network provider and make an appointment.


cigna is one of the best telehealth coverage companies. They can help connect you with mental or behavioral care 24/7 using a nurse hotline. One of the best things about this insurance company is their healthy rewards program to improve wellness in the workplace, which also adds an extra incentive.


If you’re looking for an insurance company with the most mental health resources at its disposal and equipped with many online tools, we have a winner: aetna!

Even better, aetna is an insurance company that also covers the cost of psychiatric treatment. To make things easy, there is a search tool on their website to help you find a mental health provider near you; this way, you won’t have to spend hours traveling from one place to another.

although you should be aware that out-of-network services may not be covered, or you may have to pay some additional costs in certain cases. however, this mainly depends on the plan you are purchasing through them.

permanent kaiser

kaiser offers a variety of options, including psychiatric care for people with mental, emotional, and substance abuse problems. Plus, this is an insurance company that can help you get the mental health care you need without a referral.

one of the best things about kaiser is the efficiency and quality of customer service they provide to their patients. they’ll get to the point of coordinating insurance and health care for you, thus taking the burden off your back. however, there is a problem with kaiser: it only covers eight states. unfortunately, this is quite limited availability.


To conclude with everything said so far, the simple answer to the question ‘how much does a psychiatrist cost without insurance’ is that it depends on several factors. Among other things, these factors include the individual psychiatrist’s rating and how qualified they are.

You should never forget that you will pay more for your initial consultation, and from there, the charges per session will go down. however, you should still expect to pay a fairly hefty sum of around $100-300 per hour for these sessions. The most reputable and widely known experienced psychiatrists will charge you even more than $300. In that case, our advice is that if you are paying more than usual, make sure you are getting your money’s worth.

Also, if you ever need to see a psychiatrist but are having trouble affording one, do your research, figure out how much money you’ll need, and weigh all of your options before making a decision.

After all, knowing how much you can expect to pay on average will help you plan your budget in advance; therefore, you can start working on how you can afford a visit to the psychiatrist, even without insurance.

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