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Classification

7 Superior First Class

Commission

Rooms

Rates

10%

482

$452-$521 (USD)

Classification

7 Superior First Class

Commission

Rooms

Rates

10%

218

$432-$555 (USD)

Services offered: individual therapy, couples therapy
Cost: starts at $40 per week
Insurance coverage: not accepted

*Price is accurate as of the date of publication.

Healthline's review

This online therapy platform bases its entire foundation CBT, a form of talk therapy that can help people better identify negative thought patterns and behaviors.

Not only can you meet with mental health professionals via teletherapy appointments, but you can also use the site’s array of resources, including worksheets, an online journal, and messaging with your therapist.

There are different subscription plans available, with a price range of $39.95–$79.95 per week. New subscribers also receive 20% off their first month.

great for CBT
offers supplemental resources
offers new clients 20% off their first month

likely that you'll have to pay out of pocket

Therapy formats: virtual
Privacy: HIPAA compliant
App availability: not available

Cost: $40–$70, depending on the type of session
Insurance coverage: not accepted
Services offered: in-person or online psychotherapy

*Price is accurate as of the date of publication.

Healthline's review

This nationwide network of mental health professionals provides mental health assistance for $40–$70 per session. Unlike more extensive mental health directories, this website only includes sliding-scale therapists in the searchable database.

You can choose to see a counselor in person or online. When using the database, you can narrow your search down by filtering through:

specialties
modalities
treatment orientation
race or ethnicity
age
language

offers the option to see someone online or in person
affordable price point

offers lower cost services with student interns

Privacy: HIPAA compliant
App availability: none available
Therapy formats: in-person or online

Best for insurance coverage

Cost: starts at $69 per week for messaging; $99 per week for video and messaging; and $109 for video, messaging, and workshops
Insurance coverage: Premera, Optum, Blue Cross Blue Shield, FSA/HSA also accepted
Services offered: talk therapy, teen therapy, couples therapy, psychiatry

*Price is accurate as of the date of publication.

Healthline's review

Talkspace is one of our top picks for online therapy apps, thanks to its array of subscription plans and payment plans. There are more than 3,000 counselors available with expertise in conditions and concerns like depression, anxiety, addiction, and more.

Prices range from $69–$129 depending on what subscription you opt for. Plans include text, video, audio messaging, and live sessions. They also offer psychiatry, which costs $249 for an initial evaluation and $120 for follow-up sessions. However, some apps might also have hidden fees or additional subscription fees.

“This was the first online mental health platform that I tried, other than telehealth with my traditional therapist and psychiatrist via the secure app they use (Blue Jeans). Overall, I liked the flexibility of Talkspace, but because I am so used to a more traditional model, some of the features were not to my liking.

“The sign-up process was quick and easy. The survey asked the right questions about my mental health history, and the therapist I was matched with was in touch pretty quickly. She was helpful in discussing the situation at hand; however, many messages she sent me sounded automated, which made me feel a little bit like a number rather than her patient.

“I also found the service to be pretty pricey, even compared to using mental health services with insurance.

“With traditional therapy you can schedule on your preferred frequency and pay as you go, such as one session every other week. With Talkspace, you do have scheduling freedom, but you’ll pay weekly for services.

“That’s not my preference (and it adds up quickly!), though it is great that you can have weekly sessions or daily messaging for when a deeper level of support is needed.”

— Christy Snyder, Healthline editor

easy-to-use platform
accepts a wide variety of insurance networks
easy to switch therapists if you want to

pricey initial appointments

Privacy: HIPAA compliant and NCQA accredited
App availability: iOS and Google Play
Therapy formats: text messaging, video chat, and audio messaging

Cost: $65–$95 per week, billed every 4 weeks, depending on your location, preferences, and available therapists
Insurance coverage: doesn’t accept insurance directly, but you may be eligible for reimbursement depending on your plan
Services offered: individual; couples and teen therapy available through sister sites

*Price is accurate as of the date of publication.

Healthline's review

BetterHelp is an online teletherapy platform and app that offers 24/7 access to your mental health professional. You can have therapy appointments via texts, live chat, phone calls, and video calls. Insurance doesn’t cover the cost of BetterHelp, which can be $60–$90 per week depending on which plan you choose.

You can also apply for financial aid, which will adjust your pricing based on your income and economic situation. You’ll be asked to fill out a questionnaire to check your eligibility.

“Signing up for BetterHelp was fairly straightforward (I can’t speak to selecting a subscription or financial setup, as I used a code directly from BetterHelp, but the rest was easy).

“In under 20 minutes I was able to answer a detailed questionnaire to match me with a relevant therapist. I felt the questions did a good job being thorough, but not overly exhaustive. After filling out the questionnaire, I was told it would take 24–48 hours before getting matched. I was matched in about 18 hours, and was prompted to schedule my first session.

“Being able to switch therapists quickly and easily was very convenient, and reduced any anxiety that surrounded having to ‘fire’ my first therapist. After the initial session you’re then free to schedule up to 3 sessions at a time.

“I felt like my initial therapist did meet all my preferences as spelled out by the questionnaire, but I wasn’t quite meshing with them on a personal level, so after four sessions I chose to switch therapists.

“It was a very simple, stress-free process, where I could choose to leave anonymous feedback on why I wanted to switch, but I wasn’t required to. Betterhelp then allowed me to choose from a small number of other therapists who met my criteria — and I’ve found good success with this second therapist.”

— Laramy Applekamp, content project manager

financial aid available
option to choose text, live chat, phone, or video appointments

does not accept insurance

Therapy formats: messaging, live chat, audio, and video sessions
App availability: iOS and Google Play
Privacy: BetterHelp's privacy practices have been subject to controversy; have been working with the FTC to undergo policy changes

Best for people who are new to therapy

Cost: from $50 per week
Insurance coverage: not accepted
Services offered: online therapy for a wide variety of mental health concerns

*Price is accurate as of the date of publication.

Healthline's review

Calmerry offers 2 subscription plans from as low as $50 per week. You can choose between a text therapy plan ($50 for the first week, then $57 per week after that) and a live video therapy plan ($67 for the first week, then $80 per week after that).

After signing up for the platform, you’ll be assigned to a licensed therapist. All your information is protected by HIPAA.

According to Calmerry, the mental health professionals available can address a myriad of mental health concerns or needs, including:

anxiety, depression, and stress
relationships, marriage, and pregnancy (prenatal and postpartum)
anger management
grief
LGBTQIA+ relationships and sexual identity
neurodiversity-affirming care

“Compared to Lyra and SimplePractice (my only other online therapy experiences), Calmerry was similar. The user interface was a tad clunky and took a couple more clicks to navigate.

“However, I really liked the option to keep a therapy journal and choose to share each entry with my therapist (or not). I found that useful for tracking my progress and completing therapist-assigned ‘homework.’ I also liked the additional resources/handouts available. There seemed to be wide availability of therapists for specific needs.”

— Crystal Hoshaw, Healthline editor

therapists available for many different needs
affordable subscription pricing
option to track your progress using the online therapy journal

does not accept insurance
offers only two subscription models

Privacy: HIPAA compliant
App availability: iOS and Google Play
Therapy formats: text, live video

Best sliding scale resource

Cost: free
Insurance coverage: not needed or accepted
Services offered: matches you with therapists and treatment centers

Healthline's review

Part of the Substance Abuse and Mental Health Services Administration, FindTreatment.gov is a website that allows you to search for sliding-scale therapists and addiction treatment options who practice in cities across the nation.

The resource is free to use, while rates will be determined by your income. There’s also an option to search for free services.

You can also call them at 800-662-HELP (4357).

completely free
can search for free resources
available both online and via phone

doesn't provide therapy — instead, helps users find mental health professionals within their budget

Privacy: N/A
App availability: none
Therapy formats: N/A — connects users with mental health professionals, support groups, and treatment options

Cost: free
Insurance coverage: not needed
Services offered: connection to support groups and other mental health resources

Healthline's review

Mental Health America lists specialized support group resources on their webpage. If you or a loved one has recently been diagnosed with a health condition, like cancer or diabetes, hospital social workers can also provide a list of support groups in the community.

Specialized support groups available on the Mental Health America website cover a wide range of conditions and illnesses, from caretakers to people with ADHD.

What else to know about mental health support groups

People experiencing eating disorders, postpartum depression, alcohol and substance use disorder, and grief or loss may benefit from attending a support group.

free resource
helps users find support groups

doesn't offer direct therapy

Privacy: N/A
App availability: none
Therapy formats: N/A

Accepts insurance: no
Services offered: individual therapy
Cost: free

Healthline's review

The Crisis Text Line is a free service available to anyone who is experiencing a mental health crisis. This can include feeling like you need or want to talk with someone about something that’s causing you stress, anxiety, or discomfort, or if you’re contemplating self-harm or having suicidal thoughts.

Crisis Text Line responders are all volunteers, which means they’re not mental health professionals. They can’t offer medical advice, but they are trained to listen, support you, and possibly provide advice and help you feel calmer.

People in the United States, Canada, and Ireland can access it in a few ways:

texting HOME to 741741
using the chat on their website
using WhatsApp to chat online or on your phone

If you’re in the United Kingdom, text SHOUT to 741741 to reach the Crisis Text Line.

completely free
option to text or chat online, depending on what you're most comfortable with
available in the U.S., the U.K., Canada, and Ireland

best for a mental health crisis
not for therapy or psychiatry
designed to be used in emergencies

Therapy formats: virtual
Privacy: HIPAA compliant
App availability: not available

Best for therapy and psychiatry

Insurance coverage: Academic Health Plan (AHP), Aetna, Anthem, APWU, Blue Cross Blue Shield, and 40 more
Services offered: therapy, psychiatry, nutrition counseling, women’s health, breastfeeding support, pediatrics
Cost: starts at $99 for therapy; starts at $199 for psychiatry, plus $95 follow-up visits

*Price is accurate as of the date of publication.

Healthline's review

With Amwell, you can meet with a therapist for talk therapy and a psychiatrist. The site provides counseling for many mental health concerns, including:

anxiety
depression
post-traumatic stress disorder (PTSD) or trauma
life transitions
couples therapy

Visits start at $99, and insurance may cover some of the costs.

option to see both a therapist and a psychiatrist through the platform
possible insurance coverage for some costs but not all

does not offer a subscription, so you'll have to pay per appointment

Privacy: HIPAA compliant
App availability: iOS and Google Play
Therapy formats: video

You can find free or low cost therapy in a number of different places. The following list includes resources for one-on-one appointments, group therapy, online offerings, and more.

Community clinics

If you don’t have health insurance and you’re unable to pay out of pocket for mental health care, low-fee or free community mental health clinics can provide the care you need.

To find a clinic in your local area, contact the National Alliance on Mental Illness (NAMI) HelpLine or go to MentalHealth.gov. Your primary care physician can provide recommendations in your community, or you can visit your local library to see if there are support groups there, too.

These clinics are staffed by student psychologists, student mental health counselors, and student social workers who are supervised by licensed, experienced professionals. Services are often provided at no cost or at a remarkably reduced rate.

These professionals are trained to treat a wide range of psychological conditions, like depression, anxiety, bipolar disorder, and schizophrenia.

Sliding-scale therapists

Sliding-scale therapists are psychotherapists, psychologists, and social workers who adjust their hourly fee to make therapy more affordable for the client. Finding this type of therapist may be a good option if you need to pay out of pocket for counseling or if your insurance doesn’t offer referrals to specialists.

If you need a help for a specific condition, like postpartum depression, complicated grief, or PTSD, search for a specialist who is trained in the area you’re looking for, and who is able to slide their scale, as not all mental health professionals are trained or specialized in treating some conditions.

Local colleges and universities

Many colleges and universities with mental health practitioner programs may have clinicians in training who offer reduced rates. These clinics are usually open to the public, and they offer sliding-scale fees that can be as low as $1.

These clinicians in training typically work under the supervision of experienced professionals. Plus, because they have a limited caseload, they’re likely to spend more time supporting you.

Find an in-network professional

If you have health insurance, call your insurance to find out whether they cover mental health services. If they do, ask for the contact information of local professionals who accept your insurance plan. Many online therapy services take insurance, but it’s important to double-check and ask if everything is covered or if there are copay and deductible amounts.

If you need support for a specific condition, ask for professionals who treat that condition. Your insurance plan may allow you to work with a mental health expert who’s out of network but at a higher cost.

Employee assistance programs

Your employer may offer therapy services for free through an employee assistance program. This voluntary program is set up by a workplace to provide a number of confidential services, such as assessments, short-term counseling, referrals, and even follow-up help, for free or at a reduced cost.

These services are intended to help with any issue that affects your mental or emotional health and, therefore, your work performance.

Services may be internal (offered onsite at your company) or external (referrals for help in the local community). To find out what services are available where you work, contact your human resources department.

Community resources

Free therapy may also be available in your local community. Finding it may take a little digging. Places like community centers, hospitals, and schools may run free programs, like support groups. Local places of worship — churches, synagogues, temples — are resources where you might find these types of programs as well.

Contact these organizations directly for more information or look for flyers or online advertisements. You may even hear of these programs by word of mouth or through a healthcare professional.

Publicly funded state-run services may be another option for free or low cost therapy. If you qualify, you’ll have access to certain professionals who participate in your state’s program. Contact your state’s department of mental health for more information.

If you want or need to talk with a mental health professional but are worried about being able to afford it, you do have options.

Low cost therapy may be available through social services, nonprofits, and universities, while some platforms offer financial aid or sliding scales.

If you’ve found a therapist you’d like to start seeing, you can contact them to see whether they accept your health insurance. Some of these costs may be covered through your insurance.

If you have health insurance, there’s a chance your plan may cover some or all therapy costs.

To find out if your insurance covers therapy or mental health care, log into your plan’s website, which should contain information about your coverage. You can also call your insurance company or even chat with your company’s HR department.

If you find a therapist you want to talk with, you can also ask if they accept your insurance.

The average cost of therapy largely depends on the counselor, how often and long your sessions are, and where you’re located.

Generally speaking, an hour-long therapy session can cost anywhere from $65–$250.

The frequency of your therapy appointments depends on your goals, why you’re in counseling, and what your therapist thinks.

You may see your therapist once a week, biweekly, or even once a month, but you can always talk with them about increasing or decreasing the frequency of your appointments.

If you can’t afford traditional therapy, there are other low or zero-cost options available in many communities. For example:

Sliding scale therapists are psychotherapists, psychologists and social workers who change their hourly rate according to what their clients can afford.
Post-secondary institutions that offer mental health practitioner programs may offer reduced rates to the public to see their clinicians-in-training.
Community mental health clinics are often low cost or free.

Therapy can be expensive for many. The main reason for this is the fact that therapists must have a master’s or a PhD, which requires years of costly education and training. As well, the out-of-pocket costs that often go into running a practice add up quickly. For example:

office space
licensing fees
insurance fees
professional association fees
marketing
continued education
administration and prep time
vacation, sick, and parental leave

Most therapy will cost the same whether it’s in person or online. However, you might save money in other areas related to seeing a therapist in person, like costs for transportation or child care.

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Community clinics

Sliding-scale therapists

Local colleges and universities

Find an in-network professional

Employee assistance programs

Community resources

How can I afford to see a therapist?

How do I know if my insurance covers therapy?

How much is therapy in the United States without insurance?

How often should you see a therapist?

What are alternatives to therapy when you can't afford it?

Why does therapy cost so much?

Are online therapists cheaper than seeing one in person?

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