Budget-Friendly Therapy Finder
Find affordable, quality therapy options that fit your budget
Affordable Options
Quality therapy doesn't have to be expensive. Find platforms starting at just $40/week.
Payment Flexibility
Many platforms offer sliding scale fees, financial assistance, and flexible payment plans.
No Quality Compromise
All platforms feature licensed therapists providing evidence-based treatment.
Find Therapy Options by Your Budget
Under $50/week
Most affordable options
Calmerry
$42-$68/week • Messaging & Video
- ✓ Fast therapist matching
- ✓ Flexible plans
- ✓ No long-term commitment
Online-Therapy.com
$40-$88/week • CBT-Focused
- ✓ Structured CBT programs
- ✓ Worksheets & resources
- ✓ Yoga & mindfulness tools
$50-$80/week
Mid-range options
BetterHelp
$60-$90/week • Most Popular
- ✓ Largest therapist network
- ✓ Multiple communication options
- ✓ Easy therapist switching
Talkspace
$65-$99/week • Insurance Accepted
- ✓ Insurance coverage available
- ✓ Psychiatry services
- ✓ Specialized therapists
ReGain
$60-$90/week • Couples Therapy
- ✓ Specialized couples therapists
- ✓ Joint & individual sessions
- ✓ Relationship-focused
Insurance Coverage
Reduce out-of-pocket costs
Talkspace
Accepts most major insurers
- ✓ In-network with many plans
- ✓ Insurance verification help
- ✓ Lower copays available
Cerebral
Insurance + medication management
- ✓ Accepts insurance
- ✓ Therapy + psychiatry
- ✓ Medication delivery
Brightside
Depression & anxiety specialists
- ✓ Insurance accepted
- ✓ Data-driven care
- ✓ Medication options
Ways to Make Therapy More Affordable
Quality mental health care should be accessible to everyone. Here are strategies to reduce costs:
Financial Assistance Options
- Sliding Scale Fees: Many platforms offer reduced rates based on income
- Financial Aid: Apply for financial assistance programs when available
- Employee Benefits: Check if your employer offers EAP (Employee Assistance Program)
- Student Discounts: Some platforms offer discounts for students
- Promotional Rates: Look for first-month discounts or trial periods
Insurance & Reimbursement
- Verify Coverage: Check if your insurance covers online therapy
- Out-of-Network Benefits: Request superbills for reimbursement
- FSA/HSA Accounts: Use pre-tax dollars for therapy expenses
- Medicare/Medicaid: Some platforms accept government insurance
- Coverage Documentation: Keep receipts and invoices for tax deductions
Additional Resources
Important Reminder
Never let cost prevent you from seeking mental health support. Most platforms offer financial assistance, flexible payment plans, or accept insurance. Many therapists also offer sliding scale fees based on your financial situation. Your mental health is worth the investment.
Need Immediate Help?
If you're in crisis, free support is available 24/7:
- 988 Suicide & Crisis Lifeline: Call or text 988 (free, 24/7)
- Crisis Text Line: Text HOME to 741741 (free)
- Emergency: Call 911 or go to your nearest emergency room