In a world that is constantly changing, it can become hard to find solace. Often during stressful times, your relationships with family, friends, coworkers, and even everyday strangers can begin to weigh on your mind.
Sometimes it may be helpful to try out new methods to cleanse your mind and provide you with a recharge.
However, it is not uncommon whatsoever to desire some additional help in dealing with your mental health situation.
A mental health professional can help you get back to your “normal” self so that you may begin to feel full of life once again. Thankfully, in today’s day and age, it is not all that difficult to find a therapist (whether in-person or online) who will work with you.
One of the most important things to remember is that dealing with mental health concerns need not be an expensive endeavor. In this article, we will discuss the different mental health treatment options available, as well as how to make mental health care accessible for you.
Therapy for People With Insurance
In general, for those patients with insurance, therapy will be covered at least in part by your provider. However, it is essential to remember that patients must meet their deductible before the insurance company begins to pay for treatment.
In other words, at the beginning of each year, there is a specific dollar value of services that must be paid for before insurance begins to pay. So, if the deductible of your insurance plan is $1800, then the first $1800 in healthcare services provided to that patient will be paid for by the patient.
After that initial $1800, the insurance company will pay for services for the remainder of the year while the patient is required to pay a reasonable copay for each health care service.
What about copays?
With insurance, you can expect to pay a copay at each therapy appointment. How much you pay depends on your specific plan and provider, but you can generally expect the fee to be about $20-50 per session.
Therapy for People Without Insurance
For those people without insurance, the cost of therapy can range from modest to more expensive. Thanks to the advances of modern technology, people seeking the advice of qualified therapists do not necessarily need to leave their homes.
With some research, you can likely find an online mental health professional who best fits your needs and who matches your budget. The ability to have a therapist well-versed in treating your mental health illness(es) is crucial.
With online therapy and other forms of lower-cost therapy, patients can save big money. Out-of-pocket expenses (payment for treatment without insurance) for mental health counseling can run from $65 to $200+ per therapy session.
Although this may not seem so unbearable a figure, it may become quite impactful after months of therapy sessions.
It is essential to know that online therapy is a great resource, but it is limited to the treatment of mental illnesses that do not pose a serious threat to a person’s wellbeing. For those mental illnesses that could result in a health emergency, more immediate and in-person treatment is usually best.
Benefits of Online Therapy
Seeking online mental health treatment options can be a great way to acquire the help you deserve without breaking the bank.
For people with mental illnesses that online therapy can appropriately address, it makes both financial and clinical sense to seek lower-priced online therapy options from the comfort of the home.
Patients seeking therapy to help with their non-emergency mental illnesses and concerns do not always require an in-office therapy visit. Online mental health professionals are both qualified and helpful, just as much as an in-person professional can be.
Without the overhead expenses of maintaining an office, these professionals can charge more reasonable fees for their services. This helps the patient’s pocketbook while also relieving therapists of the hassles of maintaining an office space.
Although in-office mental health care is sometimes necessary, many people can avoid the hassle and expenses of an office visit using online professional therapists.
Being treated from the comfort of your home has proven to be a rewarding experience for many people. Who knows, getting that extra help from a mental health professional just may make you feel a whole lot better!
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