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.

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What to Do When You Can’t Afford Therapy

psychcentral.com

How To Make Therapy Affordable

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.

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What If Therapy Is Absolutely Not In My Budget?

No-cost options are available:

  • Check if your employer has an Employee Assistance Program. An Employee Assistance Program (EAP) is a free benefits plan that some employers offer. It can include counseling for personal and/or work-life stressors. All discussions are confidential.
  • Look for local and online support groups. Nonprofits, volunteer, and local organizations offer many free support groups for grief, trauma, and addiction recovery.
  • Self-help books, meditation apps, and podcasts.

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