02/07/2026
Thinking about counseling but worried about the cost?
You’re not alone. Finances can feel like a barrier, but there are actually several ways to make therapy more affordable and flexible.
🩺 Using Medical Insurance
Many people choose to use their insurance for counseling.
Benefits:
• Lowers the cost per session
• Helps make ongoing care more manageable
• Often covers a wide range of mental health services
Things to know:
• Coverage varies by plan
• Copays and deductibles may apply
• Some people prefer more privacy than insurance allows
💳 Paying Out of Pocket
Some clients choose to pay privately instead of using insurance.
Benefits:
• More privacy and control over your care
• No need for a diagnosis on record
• Freedom to choose any therapist, not just in‑network
Things to know:
• Full session fee is your responsibility
• Costs vary depending on the provider
🌈 Sliding Scale Options
If you’re worried about affordability, ask about sliding scale fees.
What it means:
• Your session cost is adjusted based on your income or situation
• Helps make counseling accessible during tough financial times
• Designed to reduce stress—not add to it
💬 The bottom line
Counseling should never feel like a financial burden. Whether you use insurance, pay privately, or need a sliding scale option, there are pathways to support that fit your life and your budget.
If you’re considering therapy and want to explore what might work best for you, reach out anytime. You deserve care that’s both compassionate and accessible.