Average Therapy Costs
Therapy costs can range significantly based on various factors:
$100 - $200
Per session for licensed therapists (without insurance)
$50 - $150
Per session with insurance co-pay
$30 - $80
Per session for therapists-in-training or interns
$150 - $300+
Per session for specialized or highly experienced therapists
$20 - $50
Per session for group therapy
Free - $50
Sliding scale or community mental health centers
Note: Costs vary by location, provider credentials, session length, and specialty. These are general ranges. Always check with individual providers for their specific pricing.
Factors That Affect Cost
- •Provider credentials and experience (licensed therapists typically cost more)
- •Location (urban areas often cost more than rural)
- •Specialty (specialized therapists may charge more)
- •Session length (longer sessions cost more)
- •Type of therapy (some modalities cost more)
- •Insurance coverage (affects your out-of-pocket cost)
- •Online vs in-person (online may be slightly less expensive)
Ways to Make Therapy More Affordable
Insurance Coverage
Check if your insurance covers therapy and find in-network providers
Sliding Scale
Many therapists offer reduced rates based on income
Employee Assistance Programs
Some employers offer free or discounted therapy sessions
Community Mental Health
Community centers often offer low-cost or free therapy
Therapists-in-Training
Interns and trainees often charge lower rates
Group Therapy
Group sessions are typically more affordable than individual
Online Therapy
Some online platforms offer more affordable options
Payment Plans
Some therapists offer payment plans or package deals
Alternative Options
Remember: Not everyone needs therapy. Sometimes other support options may be more appropriate and affordable:
Mentors
Often more affordable, relationship-based guidance
Coaches
Goal-focused, may offer package pricing
Spiritual Advisors
Varies, some offer sliding scale
Listening Peers
Often free or low-cost peer support
Find Affordable Support
Browse our directory to find providers with transparent pricing. Many offer sliding scale fees, and you can filter by your budget and insurance coverage.