This entry reviews the cost issues affiliated with mental health care. While paying a provider for counseling can be expensive, it need not be. Some thoughts to help:
• Many health insurance policies cover some portion of the cost. Often a client is left with only a small copay. Moreover, with the signing into law of the Mental Health Parity and Addiction Equity Act, many policies have expanded their coverage of mental health services.
• Monies spent on counseling are usually considered a medical expense and so may be deductible from your taxes..
• If you have a university in your region with a graduate program in the mental health professions (e.g., clinical psychology, psychiatry, etc.), they may have an outpatient training clinic that offers services at a very low cost. In these clinics those working towards advanced degrees often provide the care under the supervision of experienced faculty. For instance, I direct such a clinic and our most common fee is $10/visit.
• Most people do not live far from a community mental health center. These centers receive public funding to support their charter. Therefore, many of them will offer services on a sliding scale or otherwise arrange for flexible payment plans. If you’re unsure where the one by you is, call up any psychologist in the yellow pages and ask.
• There are a number of charitable organizations that sponsor mental health services on a sliding or a reduced fee scale (e.g., Catholic Charities, Jewish Social Services, etc.). In all of the instances that I know of, one need not belong to the sponsoring religious group in order to get care.
• If you or a loved one suffer from a chronic medical or psychiatric problem you may qualify for support from social security. To find out more be in touch with an attorney that specializes in disability applications, your local community mental health center or your state’s mental health or disability offices. Other programs may also be available if you cannot afford health insurance.
• Many providers may be willing to reduce their fee if you can show cause. I would not ask for this up front. But, after the evaluation is concluded, and the provider has come to know you and your circumstances, it never hurts to ask. The large majority of the thousands of mental health professionals I’ve met over the years are a mission-driven lot who care deeply about what they do. To find such a person near you, click here.
In factoring cost issues please also consider what it would be worth to be free of the problems that are having you consider getting care. What would it be worth to be free of depression, to have your child stop acting defiantly or be free of anxiety, to have your marriage healed, etc.? Imagine life with troubling mental health burdens either eliminated or controlled; then ask yourself what that would be worth?
For my post about common myths about counseling click here.
I’d add that a lot of trips to the doctor may be the result of psychosomatic issues or stress that therapy can take care of. If you’ve got awful insurance you may be better doing sliding scale out of pocket and permanently nipping those dr visits forever!