How to Get Mental Health Treatment if You Can’t Afford It

There are ways to afford therapy, even under financial constraints. From different therapy formats to low- or no-cost care, you can support your mental well-being on a budget. 

Mental health treatment can be expensive. And unfortunately, cost is one of the main barriers to getting help. Here are some alternatives to private, full-cost care:

Getting Mental Health Treatment Through Health Insurance

If you have health insurance, your provider may help cover mental health treatment costs. Insurers must offer the same level of coverage for both mental health conditions and physical health. That means many plans cover mental health services, like therapy and medication. It’s important to review your policy to learn what’s covered and what your out-of-pocket expenses might be. For details on deductibles, copayments, the number of therapy sessions covered, and more, you should call your provider directly. 

If you have a health insurance plan through Medicaid, you’re eligible for mental health benefits.¹ These plans cover mental health conditions, serious mental illness, and substance use disorders. Out-of-pocket costs vary by state. In some states, co-payment for therapy² is between $2 to $4 per session. 

What Are Your Alternatives?

Besides health insurance, there are other ways to get mental health treatment without breaking the bank. 

Find a Provider Who Accepts a Sliding-Scale Fee

Some providers accept a sliding-scale fee. That means they adjust costs based on your income. Certain private-practice therapists and rehab centers accept this payment structure. During an initial call with a potential provider, ask if they offer a sliding-scale fee and their criteria for eligibility. Some may also offer pro bono services for those who can’t afford a fee. 

Enroll in Virtual Therapy 

Virtual therapy is an increasingly popular way to get mental health treatment. It’s generally more affordable than in-person visits. A virtual therapy session in the U.S. costs³ between $65 to $129, on average. In-person therapy usually lands between $100 to $200 per session. 

Several rehabs also offer online therapy with different levels of care. Common options include one-on-one therapy, virtual intensive outpatient programs (IOPs), and stepped-down care following inpatient rehab. Online therapy lets you save on travel expenses and gives you access to expert care from the comfort of your home. 

Join Group Therapy (Versus One-on-One)

Group therapy is an affordable alternative to individual therapy. In some cases, group therapy is half the cost of one-on-one therapy.⁴ Sessions typically involve 6 to 12 patients led by one or more therapists. This fosters connections that are important to the healing process. Several studies show group therapy is as effective as individual therapy.⁵ 

Ask About an Employee Assistance Program (EAP)

If you’re employed, your workplace may offer an Employee Assistance Program. Nearly 98% of mid to large companies in the U.S. offer EAPs.⁶ These programs provide confidential support to employees dealing with personal challenges, including mental health concerns. Most EAPs include counseling sessions at no cost to employees. Ask your human resources department about exactly what’s covered. 

See a Provider-in-Training

Therapists-in-training offer a low-cost alternative to licensed pracitioners. They’re usually student interns or working towards a Ph.D. in psychology. A therapist-in-training practices under the guidance of an experienced clinician and can provide counseling. Sessions often start at $60, compared to $100 for a licensed therapist. You can find a therapist-in-training at universities, training institutions, and certain community programs. If your mental health concerns are more complex, you may require a more experienced mental health professional. 

Find a Support Group

Navigating mental health challenges alone is isolating. It’s often reassuring to find others who share your experience. That’s exactly what support groups provide. In these regular meetings, facing similar issues come together to offer emotional support, share stories, hold each other accountable, and more. Support groups are usually free. You can find groups for various mental health concerns:

• Anxiety and Depression Association of America
• Gamblers Anonymous
• National Eating Disorders Association

Explore Community Programs

Community programs are a valuable resource for affordable mental health care. Local organizations, non-profits, and community mental health centers (CMHCs) offer free or low-cost care. Services range from therapy and support groups to workshops and more. 

Each state has a government website (.gov) with information about community mental health centers in the area. For example, Massachusetts’ CMHC website includes a directory with local contact details. The cost of treatment will depend on your location, income, and insurance status. Some CMHCs offer free treatment, while others charge a sliding-scale fee. Once eligible, you’ll be assigned a therapist who will work with you to lay out a treatment plan.

Read Self-Help Books

Self-help books are a cost-effective way to find inspiration and learn more about coping with mental health issues. While they’re not a substitute for treatment, they provide people with a better understanding of their situation—and often, hope. Popular self-help books are written by licensed psychologists⁷ offering professional advice. Since you can find them at your local library or online, they’re an accessible way to support your healing journey.