Does insurance cover therapy?
What the Mental Health Parity Act requires, what to ask your insurer, and how to find in-network providers.
How much does therapy cost?
Real costs by provider type, insurance status, and location — with and without coverage.
Does Medicaid cover therapy?
Yes — in all 50 states. What's covered, how to find Medicaid-accepting providers, and state differences.
Medicare & mental health
What Parts A, B, and D cover, your out-of-pocket costs, and telehealth coverage.
Using HSA/FSA for therapy
Pay with pre-tax dollars and reduce your effective therapy cost by 20–37%.
Free & low-cost therapy
Every option from $0 to sliding scale — EAPs, FQHCs, Open Path, university clinics, and more.
Therapy without insurance
No insurance? You still have strong options. Here's exactly how to access quality care.
EAP — free therapy through work
Most employed Americans have free confidential sessions through their employer and never use them.