When seeking therapy, many people wonder how much therapy costs. The costs can vary a lot, and the most expensive therapy is not necessarily the best, nor is the most affordable therapy necessarily right for you. Let’s explore the costs of therapy, how much therapy might cost for you, and how to find a therapist that will be helpful for you and within your budget.

How Much Does Therapy Cost?

There are many factors that will determine how much therapy costs, including your location, insurance, therapists’s level of experience and certification, and the type of therapy you’re looking for. Keeping these factors in mind can help you find a qualified professional who is also affordable.

How Much Does Therapy Cost With Insurance?

how much does therapy cost with insurance

Thanks to mental health parity laws and the Affordable Care Act, insurance companies have to cover mental health care in the same way that they cover physical health care. Individuals also cannot be denied coverage, nor endure higher premiums, because of previous mental or emotional conditions.

This means that your private insurance plan, insurance through your employer, or insurance through a government agency, such as Medicare, Medicaid, and “Obamacare,” will cover the cost of therapy. You will likely pay a copay somewhere between $20 and $50 for each session.


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How Much Does Therapy Cost Without Insurance?

Without insurance, you’ll have to pay for the costs of therapy out-of-pocket. This can be anywhere from $30 a session to $250 a session. There are many factors determining how much therapy costs without insurance, but the following can help you make an approximation:

  • On average, the cost of a session is about $90
  • In expensive urban areas like New York or Los Angeles, the costs are highest, around $250 a session
  • In rural or suburban areas, costs are lower, around $40 to $110 a session
  • Many offices offer sliding scale rates which will lower costs in accordance with your income

Affordable Therapy Options

Mental health care is important for everyone. Income should not be a barrier to living a healthy life, and there are options available if you do not have insurance and cannot afford therapy at this time. Though a session with a licensed therapist will provide the best care and coping strategies, there are also other options you might try in the meantime.

  • A support group: support groups are often guided by a licensed counselor or therapist.
  • A college or university: College and universities often provide free therapy to students and local residents who do not have insurance. Students may provide therapy under the supervision of a licensed counselor.
  • Public health services: Many state-funded public health offices, such as the Michigan Department of Health and Human Services (MDHHS) offer free or discounted therapy sessions.
  • Dial 211: 211 is a free service available throughout most of the U.S. and Canada. Dial 211 and an operator can help you find the assistance you need.
  • Payment plans: Ask your therapist about payment plans that will allow you to pay for therapy in installments without interest.
  • Online therapy: Sometimes you just need someone to talk to. Free online chat, calling, and texting services will put you in touch with someone who can listen. Keep in mind, many of these services are operated by volunteers, not mental health professionals. If you are struggling with a recurring or potentially dangerous mental health issue, talk with a professional, visit a hospital or call 911.

What Determines the Cost of Therapy?

A number of different factors affect how much therapy costs. Choosing a therapist that’s right for you often involves some research and more than one consultation. You might find a therapist that you work well with right away, or you may have to visit one or two others first. Don’t be discouraged.

How much therapy costs is influenced by several factors. Consider these factors as you look for a therapist:

  • what affects the costs of therapyThe area you live in: A busy city center with high rents will mean the costs of operating a therapy office also go up, which will increase the costs of therapy as well. Driving a bit farther to your therapist’s office might help you save money on each session if you live in an urban area.
  • Your therapist’s experience and qualifications: As with any profession, a therapist with more experience and qualifications will ask a higher price. It can be helpful to know the difference between a therapist, counselor and similar occupations when choosing the right professional. Your therapist should have experience addressing the issues you are struggling with, which might mean varying levels of experience and types of education.
  • Type of therapy: If you are struggling with an issue or condition that requires special training or experience, therapy may be more expensive. For example, many therapists are trained to treat depression and anxiety, but fewer have experience specifically with postpartum depression or phobias. This specific experience may or may not be necessary, depending on your circumstances.

Now that you have a general idea of how much therapy costs and how your insurance factors in, it may be easier to find the right therapist. If you are located near Taylor, MI or Bloomfield Hills, MI, schedule a consultation with us to learn more about the costs of therapy and our experience.


Michigan Counseling Centers currently offer services in Bloomfield Hills and Taylor, and plan to expand our services to other communities. To inquire about or receive treatment, please contact us and we will follow up with you to schedule an initial consultation.