I started therapy in 2023. The cost: nothing! And no, I’m not on Medicare or Medicaid. This personal experience highlights the existence of free and affordable therapy options.

While therapy costs vary based on several factors, including your location and insurance provider, there are accessible therapy options available.

In this article, I’ll demystify the factors that determine therapy costs and help you navigate the therapist marketplace.

How Much Does Therapy Cost? – A General Guide

The cost of therapy will vary, first and foremost, depending on the type of therapist you see.

Licensed Mental Health Counselors (LMHCs) typically charge between $75 and $150 per session.

Clinical Social Workers (CSWs) will have similar fees.

And now, you probably have the same question I did a few months ago.

When I first started reviewing therapists in my area, I posed this question (or some variation of it) to Google: What’s the difference between a Licensed Mental Health Counselor (LMHC) and a Clinical Social Worker (CSW)?

And honestly, the two professions aren’t all that different, at least from my perspective as a consumer (and consumer advocate). A master’s degree is required in both fields.

The main difference is that Clinical Social Workers have a broader scope of practice. They specialize not only in therapy but also in case management and advocacy. CSWs often work in diverse settings, including:

• Hospitals
• Social service agencies
• And government organizations

Psychologists hold doctoral degrees. Accordingly, they tend to charge higher rates for their services, ranging from $150 to $250 per session. Keep in mind that these are general estimates, and actual costs may vary. My therapist, Arthur, is a psychologist. He read my book, and he’s great (and free).

Psychiatrist and Medication Management Costs

If you’re in need of medication for a mental health issue such as depression or anxiety, you’ll likely want to see a psychiatrist.

And that could be expensive.

Per the US Bureau of Labor and Statistics, the average psychiatrist earns nearly 250,000 per year.

On the popular online therapy apps BetterHelp and Talk Space, initial appointments with a psychiatrist range from roughly $300 to $500. Follow-up appointments will cost less, likely between $100 and $300.

Of course, free and more affordable options could be available to you as well.

I see a psychiatrist twice a month, for free, via my insurance provider.

And Dr. Gillis is fantastic.

So, if you have insurance, thoroughly review your policy and see what options are available.

Then review that policy again (because insurance policies are often confusing).

Therapy Costs Will Also Vary by Location

In addition to the type of therapist you choose, your location plays a significant role in determining therapy costs.

Generally, therapy sessions are more expensive in urban areas compared to rural or suburban regions. This is mainly due to the higher cost of living and increased demand for mental health services in urban centers.

For example, if you reside in a major city like New York or Los Angeles, you can expect therapy costs to be on the higher end of the spectrum. The average rate for therapy sessions in these metropolitan areas may range from $150 to $250 per session or even more for specialized services. 

On the other hand, if you live in a smaller town or rural area, therapy costs may be more affordable, ranging from approximately $75 to $150 per session.

Again, these are general cost estimates. Actual prices will depend on factors such as the therapist’s experience, expertise, and the specific services provided.

Financial Aid and Sliding Scales

There are options available for those in financial need. 

For example, many therapists offer sliding scales to ensure they serve a diverse clientele. With a sliding scale, the cost of therapy is adjusted based on your income level and ability to pay for therapy. 

Some therapists may also offer a limited number of free or low-cost sessions as part of their commitment to mental health advocacy. 

Community resources are available in many areas as well. Nonprofit organizations, community health clinics, and universities with mental health centers often provide low-cost or free therapy services. 

Exploring these options may provide you with alternative avenues to access therapy at a reduced cost (or no cost at all). 

Are You a Good Candidate for Therapy? 

If you made it this far, then I’m inclined to believe that you are a good candidate for therapy. Whether you’re struggling with a mental health issue, grief, past traumas, or simply going through a major life transition, therapy can provide the support and guidance you need. 

In treatment, you’ll explore your thoughts, emotions, and experiences in a safe and confidential environment. A trained therapist will be there to listen, offer perspective, and help you develop coping strategies to navigate the challenges you’re facing. 

Six Steps to Improved Mental Health – What to Expect on Your Therapeutic Journey 

Embarking on a therapy journey can bring a mix of anticipation and uncertainty. To help you prepare, here’s a glimpse into what you can expect during the therapy process. 

1. Initial Assessment

Your therapist will conduct an initial assessment to gain a comprehensive understanding of your concerns, background, and goals. This assessment may involve discussing your symptoms, personal history, and any relevant factors influencing your well-being.

2. Devising a Treatment Plan

Therapists utilize various therapeutic strategies, including cognitive-behavioral therapy (CBT), psychodynamic therapy, and mindfulness-based techniques. Your therapist will collaborate with you to determine the best approach for addressing your unique challenges.

3. Optimizing the Schedule

The duration of therapy varies depending on individual circumstances. Some patients find short-term therapy beneficial. Others may benefit from longer-term treatment. The frequency of sessions also varies, typically ranging from weekly to monthly appointments. Together, you and your therapist will establish a suitable treatment plan based on your goals.

4. Getting to Work

Therapy is a collaborative process where you and your therapist work together to explore and address your concerns. The therapeutic relationship is built on trust, confidentiality, and mutual respect. Your therapist will provide a supportive space for you to express yourself openly and honestly.

5. Committing to Get Better

Therapy requires a commitment to personal growth and active participation from patients. While therapists provide guidance and support, progress is influenced by your willingness to engage in self-reflection, practice new coping strategies, and implement positive changes outside of therapy sessions.

6. Continuing Care

As therapy progresses, you and your therapist will evaluate your progress and determine the need for ongoing treatment. In some cases, individuals transition to less frequent sessions or explore maintenance therapy to ensure continued well-being.

How Much Does Therapy Cost? – Conclusion 

Your therapy costs will vary depending on the type of therapist you choose. Licensed Mental Health Counselors (LMHCs) and Clinical Social Workers (CSWs) typically charge between $75 and $150 per session. Psychologists, who hold doctoral degrees, often have higher rates ranging from $150 to $250 per session. 

If you require medication management, consider consulting with a psychiatrist. Initial appointments with a psychiatrist can range from roughly $300 to $500, with follow-up appointments costing between $100 and $300. These figures are general estimates and may vary based on your insurance coverage and location. 

Investing in therapy yields invaluable returns. The state of your mental health ripples through every aspect of your life, influencing your physical vitality and relationships. Through therapeutic engagement, you can embark on a transformative voyage of self-discovery and healing.