Therapy Cost Calculator

Without insurance, therapy typically costs $100-$200 per session for licensed counselors/social workers and $150-$300+ for psychologists. Psychiatrists charge $200-$400+. Online platforms offer plans at $60-$100 per week. Sliding scale fees are available from many therapists based on income.

Most health insurance plans cover mental health services under parity laws. In-network copays are typically $20-$50 per session. Out-of-network reimbursement varies (usually 50-80% after deductible). Check your specific plan for covered session limits and pre-authorization requirements.

Research shows online therapy (video-based) is comparably effective to in-person therapy for many conditions including depression, anxiety, and PTSD. Text-based therapy has less research support. In-person may be preferred for severe conditions, couples therapy, or when strong therapeutic alliance is needed.