Hey there, and welcome back to the Ariza Inspire Podcast, the space where we talk all things mental health, real life, and figuring it all out, one conversation at a time. I’m your host, Samantha, I am a licensed professional counselor, but this isn’t therapy, it’s a safe space to get all your mental health questions answered. Today we’re diving into a question I hear all the time: “How do I pay for therapy?”

Look, we all know therapy can be a game-changer. Whether you’re dealing with anxiety, healing from trauma, working through a breakup, or just trying to understand yourself better—talking to a trained professional can really help. But let’s be real—therapy isn’t cheap, and the cost alone can stop people from even trying.

So today, we’re breaking it down:
Why therapy costs what it does
How to find affordable options
Tips for using insurance, sliding scales, and even getting therapy for free

Let’s get into it.

Segment 1: Why Is Therapy So Expensive?
Let’s start with the obvious question: why does therapy cost so much in the first place?

It’s not because therapists are trying to get rich off your pain—I promise. Therapy costs money for a few reasons:

First, education. Therapists go through a lot of training. We’re talking a master’s degree, sometimes a doctorate, plus internships, licenses, supervision. That’s years of education and student loans.

Second, overhead. Many therapists are in private practice, which means they pay for an office space, insurance, scheduling software, continuing education, and taxes—all out of pocket.

Third, emotional labor. Therapy isn’t just a 50-minute session. It’s deep work. Therapists are holding space for people’s trauma, fears, and grief every single day. That’s a big responsibility.

So yes, a typical session might cost anywhere from $100 to $200 or more. But now that we understand why, let’s talk about how to make it doable.

Segment 2: Using Insurance to Cover Therapy
Let’s start with insurance, because if you’ve got it—use it.

If your therapist is in-network, your insurance will usually cover most of the cost. You might just pay a copay—maybe $20 or $40 a session. Not bad, right?

But here’s where it gets tricky:
A lot of therapists don’t take insurance. Why? Because the paperwork is a nightmare and insurance companies don’t always pay them fairly or on time.

But that doesn’t mean you’re out of luck.

Here’s a tip: Ask about “superbills.”

Some out-of-network therapists can give you a receipt that you submit to your insurance for reimbursement. It’s a bit more effort, but it can work.

Also, if you have an HSA or FSA—a health savings account—you can usually use that to pay for therapy, too.

Pro tip: Before you book anything, call your insurance company and ask:
Do you cover mental health services?
What’s my copay?
What’s my deductible?
Do I need a referral?

It’s annoying, yes. But 20 minutes on the phone can save you hundreds of dollars.

Segment 3: Sliding Scale and Low-Cost Therapy Options
Okay, no insurance? No problem.

A lot of therapists offer something called a sliding scale—that means they adjust their rates based on your income. So if you can’t afford $150 a session, you might pay $60 or even less.

Don’t be afraid to ask. Seriously. Therapists want to help. Just say,
“Do you offer a sliding scale or have reduced-fee options?”

Another option? Therapy interns or trainees.

These are graduate students who are still in training but already seeing clients under supervision. And you know what? A lot of them are amazing. They’re learning the latest techniques, and they’re passionate about helping.
You can find them through local universities or community counseling centers. Sessions might be as low as $10–$40.

Also, check out nonprofits, clinics, and community mental health centers. These places often receive funding to offer free or low-cost therapy to people in the community. Search terms like “low-cost therapy near me” or “[your city] mental health clinic” can lead you to some great options.

Segment 4: Online Therapy Platforms
Now, let’s talk online therapy.

Over the past few years, platforms like BetterHelp, Talkspace, and others have popped up. These offer therapy through video, phone, or even text.

Prices vary, but they’re usually more affordable than traditional therapy. Some start around $60–$90 per week and include multiple sessions or ongoing messaging with your therapist.

Caution, though: Some platforms have been criticized for things like poor therapist matching or confusing subscription models. So do your research—read reviews, look for promo codes, and always check if you can cancel easily.
Also, some online platforms now partner with employers or colleges—so if you’re a student or you’re working, check with your HR or student wellness office. You might already have access for free and not even know it.

Segment 5: Alternative Support If You Can’t Afford Therapy Right Now
Alright, let’s say even the low-cost options still feel out of reach. That’s okay. Let’s talk alternatives.

1. Support groups.
Many are free and incredibly helpful—especially for grief, addiction, parenting, or trauma. Look at organizations like NAMI (National Alliance on Mental Illness), GriefShare, or even Facebook Groups.

2. Crisis hotlines.
These aren’t just for emergencies—they can also connect you with resources. For example, in the U.S., you can call or text 988 to talk to someone 24/7.

3. Therapy workbooks and apps.
Self-help doesn’t replace therapy, but it can absolutely help you make progress. Books like The CBT Toolbox, Attached, or The Body Keeps the Score can offer structure and insight.

Apps like Sanvello, Moodfit, or Insight Timer can help you track moods, practice mindfulness, and build emotional skills on your own time.

4. Community and conversation.
Sometimes just having someone safe to talk to—a friend, mentor, group—is a powerful part of healing. You don’t have to do this alone.

Closing Thoughts
So, how do you pay for therapy?
Use your insurance, if you can.
Ask about sliding scale or see a trainee.
Try online therapy or community clinics.
Don’t underestimate the power of support groups, apps, and honest conversations.

Mental health care shouldn’t be a luxury. It’s healthcare. It’s essential. And the good news is: there’s almost always a way in.

So if you’ve been thinking about starting therapy but feeling stuck because of the cost—consider this your sign. Ask the question. Send the email. Make the call. You deserve support.

Thanks for spending this time with me. If you found this helpful, share it with a friend, leave a review, or reach out to tell me your story. I’d love to hear it.

Until next time, take care of yourself—you’re worth it.