When you are ill or have no health insurance, you might prefer other issues over your mental health care. It could mean ignoring an undiagnosed problem or skipping treatment you may need urgently. Even if you are not going through any mental health issues, you might overlook your need for support through a serious life event when you see the fee for therapy. As with any physical sickness, not seeking mental health care on time could have negative impacts on your health for the long term. Instead of winding up in debt over medical bills or forgoing care, find options for affordable mental health or free therapy and other mental health care services.
Here are some affordable mental health options listed below:
Find a Training Clinic
Like other areas of medicine and health, doctors need to practice their working on the patients before they become counseling or clinical psychologists. And this is a good thing for anyone who is trying to save some money on therapy. These training clinics are generally located near or into the medical universities. You will attend sessions with graduate students supervised by a qualified psychologist. These clinics typically charge on a sliding measure.
Visit a community mental health center
Search for a center through the Department of Human Services at your national governmental website. You can also find these services through nonprofit private organizations.
Join a support group
You might miss out on the personalized care and complete secrecy of private sessions, but support groups can be a great solution for low-cost or free therapy. Organizations like the Anxiety and Depression Association of America (ADAA), the Depression and Bipolar Support Alliance (DBSA), Alcoholics Anonymous (AA) and Narcotics Anonymous (NA) welcome free community support groups online or in person. If you want a session with a particular therapist but cannot afford private sessions because you do not have money or lost insurance coverage, like you can ask them if they offer group sessions. These should be at a lower rate you could possibly afford out of pocket.
Negotiate and Ask for Discounts
You might not understand it, but your medical bills are completely negotiable. Do not be afraid to lowball here; it is not a business deal, so you do not have to worry about creating a bad impression. When you receive a bill, contact the provider to let them know you cannot afford it. They might get agree to cut the cost by half if you cannot pay a chunk upfront. If you do not have cash in hand, you can ask for a payment plan. Get on it before the bill goes to assemble, and ask for a monthly payment you can afford to avoid a hit to your credit for late payments.