Access therapy despite the cost
Telehealth, teaching hospitals, insurance help affordability
The race to find mental health treatment can feel like a marathon when you may not have the energy or ability to make it to the starting line. You may be faced with limited affordable options and a lack of available therapists.
“Prior to the pandemic, we had an inadequate workforce to meet the mental health demand of the country,” said Vaile Wright, who has a doctorate in counseling psychology and is the senior director of health care innovation at the American Psychological Association. “And that has only been exacerbated by the pandemic.”
According to the APA’s 2021 COVID-19 Practitioner Survey, 43 percent of psychologists reported an increase in overall number of patients compared with 2020. At the same time, 41 percent of psychologists said they couldn’t keep up with demand and 46 percent felt burned out.
Thankfully, there are multiple ways to access care at a variety of price points, including telehealth options.
Use available resources
Your employer may offer an employee assistance program, or EAP, which can connect you, your spouse or partner and your children with various services including short-term counseling. Review your benefits to see what your EAP provides, if you have one.
If you have school-aged children, their guidance counselor can be a helpful resource not just for academic concerns, but also for more personal, social and behavioral issues. College students may also have access to free or low-cost counseling services on campus.
And don’t forget primary care physicians and OBGYNs. Annual preventative care visits, which are free with insurance, are an opportunity to talk about your mental health. Your doctor might prescribe medication or refer you to other practitioners. Dr. Carlene MacMillan, co-chair of the American Academy of Child and Adolescent Psychiatry Consumer Issues Committee, recommends setting aside time during your routine appointment to talk about your mental health.
Health insurance
You can search for innetwork providers through your health insurance company, but MacMillan cautions that the information there might be out of date. Double-check with Psychology Today (yes, as in the magazine). Its website has a search tool you can use to find therapists, psychiatrists, treatment centers and support groups. According to
MacMillan, the search results from this tool could be more up to date than some insurance databases.
Alma and Headway are two additional websites where you can search for providers who accept your health insurance.
Ask about sliding scales
Many therapists set aside appointment slots for patients who can’t afford the full hourly rate. Ask therapists in your area if they accept patients on a sliding scale, meaning they lower their rates based on your income. And if you’re open to group therapy, that can cost less than seeing a therapist one-on-one.
You can also look beyond private practices. “Most places, at least cities, have community mental health centers that offer a sliding scale,” said Nance Roy, chief clinical officer at The Jed Foundation, or JED, a nonprofit with the goal of supporting and protecting mental health for teens and young adults.
Open Path is a nonprofit that can help you find affordable care if your household income is less than $100,000 a year and you either lack health insurance or your insurance plan doesn’t offer mental health benefits. You can join their mental health collective by paying $59 for a lifetime membership. From there, you’ll be able to access therapy for a per-session fee of $30 to $60 for individual counseling, or $30 to $80 for couples or families.
Teaching hospitals
Hospitals and universities may have programs where you can see a clinician in training, who is supervised by a licensed practitioner, for a lower cost. Look for hospitals or colleges with psychology programs.
Get help virtually
Use of telehealth expanded because of COVID -19, when privacy regulations adjusted to allow more ways for patients to communicate with medical professionals. Even now that in-person appointments are back, virtual appointments are still an option.
Mental health platforms like BetterHelp and Brightside make it possible to communicate with a therapist on a video or phone call, or through text. For kids and teens, MacMillan recommends Little Otter and Brightline.
Add on self-care
It can also be helpful to incorporate mindfulness practices into your day, like meditation, breathing exercises or taking a walk and observing everything around you.
“The research is clear on the value of mindfulness in terms of promoting mental health,” Roy said. “It’s not about stopping your thoughts, it’s about letting them pass.”