What to Do When You Can’t Afford Therapy

Financial limitations shouldn’t prevent anyone from finding help.

Checking in with your insurance company, asking for sliding-scale or reduced fees, or enlisting the help of a psychologist in training are choices that could help you fit therapy into your budget.

And while some options (like apps, self-help books, or podcasts) may not be a substitute for regular sessions with a mental health professional, there’s a lot you can do to improve your mental health.

Finding therapy that fits your budget can be a challenge, but there are lower-cost options if you know where to look.

• First, check your insurance. If you have insurance through your employer, your plan covers essential mental health services, including: psychotherapy, counseling, inpatient services.
• Ask your therapist about sliding scale options, discounted rates, or shorter sessions.
• Meet with a psychologist in training.
• Look into community mental health centers.