Mental health cost guide
Mental Health Costs Without Insurance: insurance, self-pay, and affordability questions
Without insurance, users may need to compare community clinics, sliding-scale therapy, training clinics, telehealth, support groups, and crisis resources.
Cost factors to compare
Sliding-scale providers
Community mental health centers
University training clinics
Group therapy
Peer support
988 or local crisis services
Insurance questions
Is behavioral health managed by a separate company?
Is the provider in-network for this exact plan?
Does telehealth have the same cost share?
Is prior authorization required for psychiatry, testing, or higher levels of care?
What out-of-network benefits exist?
GlobalCareNavigator provides educational mental health navigation only. It does not diagnose, provide therapy, prescribe medication, offer crisis counseling, or replace licensed mental health professionals, emergency services, insurers, or local crisis teams.