How Much Does Therapy Really Cost?
Understanding the financial side of mental health doesn't have to be a headache. We've broken down the numbers for you.
Out-of-pocket per session without insurance.
Typical copay amount for in-network providers.
For specialists (e.g., Trauma, EMDR) in major cities.
In-Network vs. Out-of-Network
Most people don't know they might have "Out-of-Network" benefits that can pay for up to 80% of therapy costs, even if the therapist doesn't take their insurance directly.
In-Network
The therapist has a contract with your insurance. You pay a small copay at the time of visit. Easy and predictable.
Out-of-Network (OON)
You pay the full fee upfront. Then, you submit a "Superbill" (receipt) to your insurance. They mail you a check for a percentage (usually 50-80%).
Questions to ask your Insurance
- 1"Do I have a deductible?"
- 2"What is my copay for outpatient, office-based mental health visits?"
- 3"Do I have out-of-network benefits? If so, what is the reimbursement rate?"
Budget-Friendly Options
Sliding Scale
Many private therapists reserve a few spots for lower-income clients. Don't be afraid to ask: "Do you offer sliding scale fees?"
Training Clinics
University psychology departments often have low-cost clinics where PhD students see clients under expert supervision.
Community Health
Federally Qualified Health Centers (FQHCs) charge based on your income and can't deny services due to inability to pay.