Therapy costs $50 to $250 per session if not covered by insurance, depending on your location. Prices are on the high end of the range in major metropolitan areas like Los Angeles and New York. The average cost of therapy with insurance is $20 to $50 per session for the copay.
Online therapy membership plans cost $40 to $70 per week and typically include 24-hour support through texting, phone, video, or online chat.
Therapists are licensed psychologists or counselors but are not medical doctors, and in most states in the U.S. they are not allowed to prescribe medication. Only five states allow licensed psychologists to prescribe medication—Idaho, Illinois, Iowa, Louisiana, and New Mexico—and psychologists in these states must complete additional psychopharmacology training and certification.
In the rest of the U.S., only a medical doctor can prescribe medication. Psychiatrists attend medical school and can prescribe medication, but they typically do not provide talk therapy or counseling services.
A licensed therapist can give a mental health diagnosis in all states except Indiana and Maine. However, the therapist must refer clients to a psychiatrist or other medical doctor if the condition requires medication. Consult a therapist near you if you have concerns about ADHD, anxiety, depression, autism, or other mental health conditions.
You can use your HSA or FSA for therapy if you have a billable diagnosis—such as depression or bipolar disorder—and the therapy is deemed medically necessary. You can't use your HSA or FSA for marriage or family counseling, grief counseling, or therapy for stress management.
You can see your therapist while traveling only if your therapist is licensed or legally permitted to practice in the state you're physically located in at the time of the session. Not all states allow interstate therapy practice. Check with your therapist before you leave to confirm they can provide telehealth services across state lines.
Most therapists recommend starting with one session per week. After your first session, your therapist will work with you to decide on a schedule that will most benefit you. Some issues require only a few sessions, while others require more extensive treatment.
When seeking therapy or mental health care, follow these tips to help you find the right therapist for you:
First consider the type of therapy you'd prefer. Common therapy styles and modalities include:
Choose therapists who specialize in treating your condition. Then:
Ask these questions to help you find a therapist who is the best fit for you:
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