What to Do When You Can’t Afford Therapy

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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psychcentral.com

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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.


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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RELATED IDEAS

  • Psychologists, in general, provide assessment and therapy in a group format or individually. The purpose is to improve a persons' well-being.
  • Clinical psychologists typically focus on the assessment, diagnosis, and treatment of mental illness.
  • Clinical neuropsychologists asses and treat people with brain disorders that affect memory, learning, attention, reading or problem-solving.
  • Psychiatrists are doctors who diagnose and treat people with mental illness and prescribe medications where needed.
Deciding to see a therapist

You don’t need to have a specific diagnosis to benefit from therapy.

Most of us have some aspects of our lives we would like to improve: relationships that are in need of some rehab or some habits or behaviors that we would like to shift or change.

Seeking Therapy

Finding the right therapist for one's psychological problems can be a daunting task. It takes time and effort but can be done if one is equipped with the right information.

It is common to seek therapy during an emergency or a catastrophe in one's life (like a breakup or divorce), but therapy is more appropriate when life isn't complicated. Major life-changing events like moving to a big city, starting a new job or becoming a parent can be a great time for therapy.

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