Mental health cost guide
Therapy Costs: insurance, self-pay, and affordability questions
Therapy cost depends on location, provider license, session length, insurance, telehealth, sliding-scale options, and out-of-network benefits.
Cost factors to compare
Session fee
Insurance copay or coinsurance
Deductible
Out-of-network reimbursement
Sliding-scale availability
Telehealth coverage
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.