11 Ways to Get Free or Low-Cost Mental Healthcare

Feeling overwhelmed and in need of mental healthcare but worried about the cost? You’re not alone. Mental health services aren’t always affordable or accessible, especially if you have no insurance coverage covering these costs. But resources are available to help offset those high fees so you can get the emotional support and treatment you need — without going broke! This blog post will cover 11 ways to get free or low-cost mental healthcare. Whether it be through sliding scale fees from a therapist, state-funded programs, credit card discounts on psychotherapy sessions, or other financial benefits available to college students – read on as we explore all of your options for getting quality mental healthcare without breaking the bank.

The Cost of Mental Healthcare

Accessing mental health support can be challenging if you do not have health insurance. The high cost of therapy sessions can hinder individuals from seeking the necessary care. Psychology Today suggests that, on average, one therapy session can cost between $100 to $200 without insurance coverage. According to a recent report by SAMHSA, only 47% of American adults with mental illness receive necessary treatment, with financial barriers identified as a critical factor in delaying care and preventing access. Luckily, many confidential and cost-free resources are available in communities nationwide, including counseling and support services offered by free clinics.

988 Lifeline

Before diving into the 11 ways to get free or low-cost mental healthcare, it’s important to note a public program available to all Americans needing emergency mental health support. If you or someone you love is considering self-harm or harm to others, please call 988 right away. This number functions similarly to 911, but you’ll be immediately connected to a trained mental health professional instead of connecting with law enforcement or EMTs. Calling 988 will immediately connect you to one of more than 200 local crisis call centers as part of the National Suicide Prevention Lifeline or SAMHSA’s national helpline. If you’d prefer to call the National Suicide Prevention Lifeline directly, dial 800-273-8255, and your call will be routed to the appropriate center. At the nearest crisis center, a trained counselor will listen to callers. Calls will be transferred to one of the 16 backup centers if the center is unavailable. But what if you don’t think you’re in a crisis but still need mental health care? Seeking help is essential, regardless of whether you use 988 or not. Not receiving mental health care, like any health problem, may harm your well-being and that of others. Here’s how to get help, regardless of your financial situation.

11 Ways to Find Low-Cost or Free Mental Healthcare

Affordable or even free mental health services are available for those who don’t want to compromise their care or suffer from debt due to medical bills. Consider these alternative options to find accessible care now.

Training Clinics

As with other aspects of healthcare, aspiring clinical psychologists must gain practical experience working with patients before entering the profession. Luckily for those seeking affordable counseling, training clinics can offer access to these opportunities. Typically situated near or attached to universities, these clinics pair patients with graduate students who licensed psychologists supervise. The fees for services are often calculated based on a sliding scale, potentially allowing patients to receive therapy for little to no cost. To find a training clinic near you, browse the member clinics listed on the Association of Psychology Training Clinics website. Additionally, a quick Google search using the phrase “(your city) psychology training clinic” can lead you to options in your area. Don’t hesitate to start your search for quality mental health resources today.

Community Mental Health Centers

Mental health concerns can be challenging to face alone, but community mental health centers offer valuable resources to help. You can find the support you need, from support groups to individual counseling.  To find a center in your area, visit your state’s Department of Human Services website. Private nonprofit organizations like the YMCA offer low-cost and sliding-scale behavioral health and family services for children and adults. Look to your local Y for mental health services today.

Support Groups

Support groups offer a cost-effective alternative to private therapy, providing a valuable resource for individuals seeking emotional support and guidance. Whether you’re struggling with substance abuse or depression, some groups offer effective support options at no cost. These groups include:
  • Alcoholics Anonymous (AA)
  • Narcotics Anonymous (NA)
  • The Anxiety and Depression Association of America (ADAA)
  • The Depression and Bipolar Support Alliance (DBSA) 
These organizations host support groups in both virtual and in-person settings, providing a convenient solution for those seeking a sense of community and understanding. Consider asking a therapist about group therapy sessions. If you cannot afford private sessions due to factors such as lost insurance coverage or insurance non-acceptance, group sessions could be an ideal solution at a reduced out-of-pocket cost.

Negotiate Mental Healthcare Payments

Did you know that you can negotiate your medical bills? The good news is you don’t have to worry about making a bad impression. It’s not a business deal. When you receive a bill, don’t simply provide payment information that could put you into debt. Instead, reach out to the provider and let them know that you can’t afford it. You may be surprised to find that they’re willing to cut the cost by more than half, especially if you can pay part of it upfront. If you don’t have the cash, don’t worry – ask for a payment plan. Just make sure to act quickly before the bill is sent to collections.

Consider Online Therapists

Telehealth, or telemedicine, is a highly convenient and cost-effective solution for many people seeking medical attention. With Teladoc, a mobile app that connects you with healthcare professionals, you can address physical and mental health issues at a fraction of the cost and time required for a trip to the clinic. Telehealth practitioners are qualified to diagnose, advise on treatment, and prescribe medication if needed. Another online option is suing up for a subscription to a therapy app like Talkspace or BetterHelp for access to licensed therapists via audio or text messaging or live video chat. Subscriptions are paid monthly from $60 to $150 per week. It’s a convenient and affordable way to prioritize your mental health.

Use Mental Health Services at Your School

As a college or university student, you may have access to healthcare services through your school that is subsidized by your tuition and fees. Don’t overlook this valuable resource, and take advantage of its benefits. Additionally, for children enrolled in K-12 schools, sessions with a school counselor may be available with the support of parents. Utilize these options as a source of support when private mental health services aren’t financially feasible.

Look into Your Employee Benefits

Many companies and government agencies provide an employee assistance program with various benefits, including free counseling sessions. Find out from your HR representative if this benefit is available to you and learn how to access it. The available counselor may also be a consultant working with company leadership when counseling employees. Though confidentiality requirements likely apply, verifying that your sessions will be confidential is essential. Talk to your HR representative about any concerns you may have.

Therapy Collectives

Open Path is a nonprofit psychotherapy collective providing affordable counseling to those who most need it. With a one-time membership fee of $59, you can receive therapy sessions ranging from $30 to $60 (with couples and family sessions up to $80).  Open Path offers a variety of search options so that you can find a therapist in your area or even speak with someone online. No matter where you live, Open Path has your back. Don’t let financial constraints impede your mental wellness any longer. Uninsured or underinsured individuals, those with a household income below $100,000 annually, and those unable to afford market rates for therapy are welcome to utilize Open Path’s services without income verification. Another affordable therapy option is 7 Cups, offering online listeners and therapy services starting at just $150 per month. Take advantage of their online library of self-help resources or seek counseling services through their platform.

Confide in Your Spiritual Community

If you belong to a religious community, you may be able to get assistance from within that group. However, it’s essential to keep in mind that serious mental health issues require professional help, which may not be available within these organizations. They may, however, be able to refer you to social services. Check to see if your organization provides support groups or retreats that can help you connect with others who are going through the same situation as you. Additionally, some community leaders may offer free counseling or other services. If you’re hesitant to share your struggles with a smaller group, consider seeking assistance from outside the community.

Therapy Aid Coalition

The Therapy Aid Coalition is a nonprofit organization providing counseling services to needy people. They specialize in providing mental health services to underserved communities and offer free and low-cost sessions to individuals experiencing financial hardship. Their mission is to make sure that everyone has the opportunity to access professional mental healthcare. Their sliding fee scale offers therapy sessions for as little as $10 for one hour. All appointment times, services, and fees must be approved and paid in advance.


If you’re seeking additional support beyond the National Suicide Prevention Lifeline number (988), consider contacting the NAMI Helpline (National Alliance on Mental Illness) or SAMHSA. The helpline won’t be able to provide professional services, but it can connect you with helpful resources in your area. For those interested in international support, John Hopkins has compiled a list of reputable global agencies like the United Nations (UN) and the World Health Organization (WHO) that cater to mental health needs, including those of refugees and those affected by human-made disasters.

Explore Medicare and Medicaid

If you don’t have the funds to pay for mental health services out-of-pocket, look into Medicare and Medicaid. Many lower-income individuals qualify for these government programs, which can provide access to health services at a reduced cost or even free. While the system is complex, it’s worth navigating if you need assistance paying for counseling sessions.

How Do I Know if I’m Eligible?

You may qualify for Medicare if you are over 65, have a disability, or receive Social Security Disability Insurance (SSDI). You may also be eligible for Medicaid if you meet certain income level and family size criteria. You can find out if you qualify by using the HealthCare.gov eligibility screener.

Where Can I Find Mental Healthcare When I Can’t Afford to Pay?

If you cannot afford mental health care, options are still available. Contact local organizations for free or low-cost services, such as Open Path Collective, 7 Cups, and the Therapy Aid Coalition. You may also explore public programs like Medicare and Medicaid or contact the NAMI Helpline or SAMHSA for additional support. Remember, seeking professional help when needed is important and doesn’t have to be expensive. With the right resources, you can access quality mental healthcare without breaking the bank.

Mental Healthcare is a Necessity!

Overall, it’s important to remember that mental health care isn’t a luxury — it’s a necessity. And, while there are often cost considerations that stand in the way of getting needed services, taking advantage of free or subsidized healthcare can be an essential step to improving your overall well-being. With this knowledge and the resources cited here, you can empower yourself to access the counseling or therapy you need without draining your finances. If you feel overwhelmed by life’s circumstances and need help but aren’t sure where to turn first, don’t despair. There are avenues open to secure the mental health care you need without going broke, so don’t hesitate to reach out and take advantage of free or low-cost mental healthcare options! So if you need mental healthcare and have financial constraints, don’t hesitate: get your mental health back on track today!

Key Takeaways:

• Mental health care is necessary and should not be considered a luxury. • Many organizations offer free or low-cost mental healthcare services. • Consider exploring government programs like Medicare and Medicaid to cover the cost of counseling sessions. • Reach out to local organizations for free or low-cost services, such as Open Path Collective, 7 Cups, and the Therapy Aid Coalition. • Don’t hesitate to get help – many resources are available for those who need mental health care but may not be able to afford it. • So, if you need mental healthcare and have financial constraints, don’t hesitate. Get your mental health back on track today!


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