How Much Does Therapy Cost? (USA)

This is written from the perspective of someone living in the United States. The situation in your country may be different.

The cost of therapy can vary widely based on a number of factors (i.e., the therapist’s credentials, the type of therapy, insurance, etc.). We’ll go over a few different things to look for and different payment options that are often offered by therapists in your area:

Out-of-Pocket: If you choose to pay without insurance, therapy can often range from $50-250+ per session.

Insurance: Many health insurance plans cover mental health services. Check with your plan to see if therapy is covered, what your co-pay and deductible will be, and if you are limited to a certain number of sessions per year.

Sliding Scale: Many therapists offer sliding scale fees. This means that they will adjust their rate based on your income, making therapy more affordable for people with lower incomes.

Community Clinics/Nonprofits/Universities: Some organizations offer low-cost or free therapy services.

Employee Assistance Programs (EAPs): Your workplace may give you access to a certain number of free therapy sessions.

Online Therapy Platforms: Online therapy often has different pricing structures that can be more affordable than in-person therapy.