I can t afford therapy but i need it

What to Do When You Can’t Afford Therapy

i can t afford therapy but i need it

Real Life (I can't afford therapy)

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Girlfriends are great for keeping your head on straight, but sometimes problems and situations need more professional guidance than unloading over wine can offer. But we all know good help doesn't come cheap—or does it? It's true, seeing a psychologist can definitely create a black hole in your budget. We've rounded up nine ways you can afford to confide on the couch and talk to things through with someone more qualified than your girlfriends. With the passage of the Mental Health Parity Act, every insurance plan—including those under the ACA—includes mental health coverage, and it should be the same co-pay as your other doctor's appointments, says Nguyen. The only problem: There are far fewer therapists in-network than out-of-network, meaning the professionals your insurance will cover are booked out for months. But it's definitely worth calling the providers who only charge that co-pay.

It's no secret that the American healthcare system is in dire need of repair. It's tough to get the care you need, even if you do have health insurance, because it's so expensive. And for mental healthcare, it's even harder because many therapists don't accept insurance or aren't taking new patients. Fortunately, there are a host of things that you can do to care for your mental health even if you don't have access to therapy. No matter where you are, be it urban, suburban, or rural, in every city and town in the United States, there is a 12 step meeting within a reasonable distance from your home. And if you reach out, there's someone who will make sure you get there safely, and back home too.

If you are struggling with stress, mood, or your mental health overall, therapy can be an immensely useful tool. But, as anyone who's tried to seek out mental health treatment knows, therapy can get pretty expensive. So what do you do if you can't afford therapy? And if researching reduced-cost options feels like a burden unto itself, recruit a trusted friend to help you do some research. Reaching out to your support network can also be helpful — they may have found low-cost resources already who they can link you with, if you are comfortable asking. Just because therapy doesn't seem financially accessible right now doesn't mean it can't work.

Here's What To Do If You Can't Afford Therapy

You might just have to spend a bit more time looking. Dealing with insurance can be a hassle, but it's the best place to start even if you wind up pursuing other options.

What to do if you are Severely Depressed & Can’t Afford Therapy

So they stop there. But you do have various helpful options. D, a clinical psychologist and clinical instructor in the department of psychiatry at Harvard Medical School. You might only have to pay a small co-pay, he said. Training clinics offer clients a sliding scale.

Ask a Therapist: I can't afford therapy - Who takes my Insurance

What To Do If You Can't Afford Therapy, According To An Expert

Recently, I received a phone call from some good friends asking for advice. Someone they knew had admitted to feeling depressed and having suicidal thoughts, and they wanted to help him. They consulted with me, and several other friends in the mental health field. They were surprised to find that insurance does not guarantee treatment. In fact, sometimes the exact opposite is true.

Sure, pretty much everyone could benefit from therapy. But not everyone can afford it. Even better? Some of these resources are available whenever you need them. No need to schedule an appointment between the hours of 9 and 5. Support groups, hotlines and call centers, websites and online forums, and even apps can be put into action when you have a crisis or just need extra support.


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  1. Freddie B. says:

    Many people who have suicidal thoughts or other challenges need psychotherapy, but cannot afford it.

  2. Eleanor F. says:

    must reads

  3. Vanna B. says:

    However, even if your insurance doesn't cover therapy, get the details on what they with clients who 'can't afford' my services but highly value therapy and choose to “When an individual is privy to their mental health needs — [such as] 'I'm.

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