One of the biggest reasons people don’t seek therapy is money. People look at a therapist’s hourly rates — which might range from $100 to $250 — and immediately assume they can’t afford professional help. So they stop there.
But you do have various helpful options. Below, clinicians share, in no particular order, what you can do if you can’t afford treatment.
1. Check with your insurance.
“If you have insurance, ask your insurance plan to give you a list of providers who are either in your geographic area or who specialize in the issue you are seeking help with,” said Roberto Olivardia, Ph.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.
However, even if your insurance doesn’t cover therapy, get the details on what they do cover, said Julie A. Fast, a coach and author of Get It Done When You’re Depressed. For instance, your policy might still include the words “social worker,” she said.