How to Find a Therapist That You Can Afford

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Therapy can be really expensive, I’ve actually never been able to afford therapy until the last couple of years, and I know many people are in the same boat. So let’s talk about how to find a good therapist that you can afford.
Now first, I know this video may not apply as well to other countries. In the UK or Canada, they have universal healthcare- getting mental health services doesn’t cost an arm and a leg. But there may be long waitlists or difficulty finding a therapist that fits your needs. In other countries, there may not even be mental health providers in your area or financially they are just completely out of reach.
In the US, some insurance covers some types of therapy, but even with insurance I know that most people end up paying a lot out of pocket, often in the realm of $100-150 a session which adds up to $5,000-8000 a year. My previous insurance when I was working for a mental health company had a $5,000 out of pocket deductible and my current coverage being self-employed doesn’t cover mental health at all. And then there’s the people with no insurance.
So it’s easy to see how mental health services seem out of reach for many. And that’s one of the reasons why I make these videos, to help people access mental health education for free or much cheaper than therapy, but there is no replacement for real, in-person, individualized therapy. So let’s talk about a few more ways you can find a therapist that are less expensive or more accessible.
- EAP's - Employer assistance programs
- School or University Counseling services
- Community Mental Health Services
- Private Practice Therapists
- Support Groups
- Online Therapy
-Open Path collective

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Therapy in a Nutshell and the information provided by Emma McAdam are solely intended for informational and entertainment purposes and are not a substitute for advice, diagnosis, or treatment regarding medical or mental health conditions. Although Emma McAdam is a licensed marriage and family therapist, the views expressed on this site or any related content should not be taken for medical or psychiatric advice. Always consult your physician before making any decisions related to your physical or mental health.
In therapy I use a combination of Acceptance and Commitment Therapy, Systems Theory, positive psychology, and a bio-psycho-social approach to treating mental illness and other challenges we all face in life. The ideas from my videos are frequently adapted from multiple sources. Many of them come from Acceptance and Commitment Therapy, especially the work of Steven Hayes, Jason Luoma, and Russ Harris. The sections on stress and the mind-body connection derive from the work of Stephen Porges (the Polyvagal theory), Peter Levine (Somatic Experiencing) Francine Shapiro (EMDR), and Bessel Van Der Kolk. I also rely heavily on the work of the Arbinger institute for my overall understanding of our ability to choose our life's direction.
And deeper than all of that, the Gospel of Jesus Christ orients my personal worldview and sense of security, peace, hope, and love https://www.churchofjesuschrist.org/comeuntochrist/believe

If you are in crisis, please contact the National Suicide Prevention Hotline at https://suicidepreventionlifeline.org/ or 1-800-273-TALK (8255) or your local emergency services.
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