I need a psychiatrist/psychotherapist but can’t afford It. Where can I find affordable treatment?

Psychotherapeutic services require a very personal connection with a provider, and it’s common for someone to not “connect” with various providers. The important thing is to find one that you/your loved one trusts, where you feel “heard” by the provider. In the meantime, you may want to consider the following resources for finding an affordable mental health provider:
  • SAMHSA Treatment Locator provides referrals of the different treatment facilities in the country. On their website, one can narrow search by insurance, cost of treatment and type of treatment. Their locator includes programs like assertive community treatment as well as residential treatment. SAMHSA is a good resource for low cost/sliding scale mental health care, substance abuse and dual diagnosis facilities. You can contact SAMHSA at (800) 662-4357

  • Medicare.gov has a treatment locator to search for providers that take Medicare in your area.

  • Federally-Funded Health Centers offers locations to community health centers serving underserved areas or population, as well as offering a sliding fee scale. 

  • National Association of Free & Charitable Clinics has locations for free and Charitable Clinics, which are safety-net health care organizations that utilize a volunteer/staff model to provide a range of medical, dental, pharmacy, vision and/or behavioral health services to economically disadvantaged individuals. Offers a “Find a Clinic” function on its website that features 1,400 free and charitable clinics nationwide that maintain protocols to help people get car and assess eligibility for insurance.  

  • HelpWhenYouNeedIt is an online service that connects users to over 350,000 listings nationwide of private and public resources, including local mental health & substance use treatment and free clinics. 

  • Open Counseling is an organization whose mission is to make counseling affordable for all. They provide lists of resources on attaining accessible care and counseling resources for therapists and centers. Site indicates if providers listed are accepting new clients (updated regularly); many providers list their rates. • 

  • Open Path is a non-profit nationwide network of mental health professionals that connects people in genuine financial need with private therapists who can lower their costs per session. Open Path does require an initial, one-time “lifetime” membership fee of $59. You can reach Open Path at (800) 268-2833

  • Theravive has a resource directory for low-cost therapists, listed by state. Theravive also provides listings on credentialed providers of e-counseling (phone, email, webcam or messaging). (U.S. & Canada)  

  • Zocdoc is a treatment locator for all types of health care providers and specialists, including mental health professionals. One can filter by any insurance type including private and public insurances. You can also search by procedure needed, location and preferred date of service, which can be day-of.

  • American Association of Pastoral Counselors helps find pastoral counseling from a trained minister, rabbi, priest, and imams. Usually, free of charge. Maintains a “Find a Psychotherapist” directory under “Directory” tab on the site. 

  • Free Clinic Directory generally, only provides resources on medical/non-mental health. Mainly focused on children’s health care, dental care, eye care, and women’s health.

  • Give an Hour is a resource primarily for service members/veterans and their family members affected by mass tragedies and natural disasters. One can receive free therapy from mental health professionals who donate an hour of their time. 

  • American Association for Marriage and Family Therapy (AAMFT) is the professional association for the field of marriage and family therapy. Their website offers a “Find a Therapist” function, in addition to online education and training, webinars, magazines and journals related to marriage and family therapy. 

  • ChoosingTherapy offers info about therapy in general and holds an online directory for selecting a new therapist. Online therapy is available for an average fee of $110 per session for each digital session and now accepts private insurance. One can sort by therapists that speak a number of other languages, specialty, price range, state, and date available. You can contact Choosing Therapy via email at info@choosingtherapy.com.

Private Insurance

  • Psychology Today offers a “Find a Therapist” link on the site. Can also use the link to locate treatment facilities and psychiatrists. 
  • Zocdoc is a treatment locator for all types of health care providers and specialists, including MH professionals. One can filter by any insurance type including private and public insurances. You can also search by procedure needed, location and preferred date of service, which can be day-of.
  • American Psychological Association is the largest scientific and professional organization of psychologists in the United States. Members include scientists, educators, clinicians, consultants and students. Offers a Psychologist Locator on its website. 
  • Choosing Therapy is a national service that provides a search engine for finding licensed therapists, as well as a number of articles to guide and educate consumers in various mental health topics (e.g., “How to choose a Therapist”). Choosing Therapy also provides licensed therapists a free service to advertise their practice and manage booking appointments. Treatment options on this site would not be considered affordable. 

You might also want to contact your insurance company directly. Insurance companies may provide list of providers “in network.” Individuals should verify with their insurance company once they have identified a provider to confirm coverage. 

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