How to Pay for Therapy Without Breaking the Bank

tducasse1
Jun 4
2 min read

Let’s talk about something that holds a lot of people back from starting therapy money.

We’ve heard it all:“I’d love to talk to someone, but I can’t afford it.”“I don’t even know if my insurance covers therapy.”“I thought therapy was only for people with a lot of money.”

We get it. Life is expensive. But your mental health matters just as much as your physical health—and you deserve support that works for your budget. So let’s break this down.

1. Use Your Insurance (If You Have It)

Many insurance plans cover therapy sessions, especially if you meet with a licensed provider. If you’re not sure what’s covered, here are two simple steps:

Call the number on the back of your insurance card. Ask if therapy is covered and what your co-pay or deductible is.
Ask us. We can check your benefits for you or guide you through the process. You’re not in this alone.

2. Ask About Sliding Scale Options

At Wellness for Our Future, we believe therapy should be accessible—especially for people of color and underserved communities. That’s why we offer a sliding scale, which means we adjust our rate based on your income.

Don’t be afraid to ask. We’re happy to talk through what works for your situation.

3. Look Into Your HSA or FSA

If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA) through your job, you can often use those funds for therapy. It’s a great way to use pre-tax dollars to take care of your emotional well-being.

4. Start with What You Can

Even one session can make a difference. If weekly therapy doesn’t work for you financially, start bi-weekly or even monthly. We can create a plan together that meets both your mental health needs and your budget.

A Simple Step You Can Try Today:

Write down one thing that’s been weighing on your mind lately. Just getting it out of your head and onto paper is a small way to ease the load. And when you’re ready to talk to someone, we’re here.