Paying for therapy and counselling
Some insurance companies provide limited coverage for psychotherapy—often as few as 6-12 sessions. Read through your plan carefully to see what benefits you have. Some types of mental health professionals might not be covered. You may need a referral through your primary care physician.
Also keep in mind that some therapists do not accept insurance, only payment directly from the client. Sometimes these therapists will accept sliding scale payments, where you pay what you can afford for each session. Don’t be afraid to ask what arrangements can be made if you feel the therapist could be a good fit for you.
Affordable therapy and counselling options
Research your own community for charities or organisations that may offer psychotherapy at discounted rates. Senior centres, family service, and mental health clinics are good places to start. Many offer affordable options, including sliding payment scales.
Charities that involve interns in training also can be an option for quality therapy. An intern may be a good choice for you if the intern is enthusiastic, empathetic, and has quality supervisory training. However, an intern’s time at the agency is limited, so when the training is finished, you either need to stop the therapy or find another therapist.