Do You Take My Insurance?

5 Ways to Receive Affordable Therapy

One of the most common (if not the #1 most common) question I receive in intake calls is, “Do you accept my insurance?” It is always a bummer to speak with a therapist that feels like a good fit and then find out that they don’t accept your insurance. Unfortunately, not every therapist takes every insurance, and many therapists don’t take insurance at all. This limits access to affordable therapy services for many clients, but there are alternatives to finding affordable therapy.

Finding the right therapist for your unique needs can be tough, but it isn’t impossible. There are more ways than ever to find a therapist that meets your needs and provides affordable services. In fact, most therapists strive to not just provide affordable services, but to have lots of recommendations for low cost services throughout their communities as well.

Many individuals seeking out mental health treatment haven’t had to look for a therapist on their own before. Entering college, starting a career, recently engaged, having their first child…all these periods of life transition can spark an interest in getting some professional guidance on how to cope. Unfortunately, scheduling that first session at a therapist’s office isn’t as straight forward as making an appointment for your annual exam at your doctor’s office. It involves a good amount of research and an open mind to find the right fit. I can provide you with a few tips and tricks on ways to find an affordable therapist for your mental health needs.

Key Takeaways

affordable therapy

#1 Check Your Insurance Directory

If you want to utilize your insurance to cover therapy services, it is totally possible to do so. The easiest way to find an “in-network provider” is to go directly to your insurance provider’s directory. Therapists become “paneled” with various insurance companies in their area and are then listed by the insurance provider. Another way to find out if a therapist takes your insurance is to check the therapist’s website or personal directory listing. Sites like Therapy for Black Girls allow you to filter results by your insurance provider, so you know prior to reaching out if they are paneled with your insurance provider.

#2 Ask about Sliding Scales

Often times, therapists that do not work with insurance providers offer what we call a sliding scale fee. A sliding scale is usually an offer to reduce the normal fee per session by $10 to $50 in order to make services more accessible. Therapists may or may not advertise that they have a sliding scale, so it is always helpful to ask about this during an intake call. The fee may be reduced for a set amount of sessions or be in place for the entirety of your services. Organizations like Open Path Collective also provide a list of mental health practitioners across the country that provide reduced rates for therapy services.

#3 Look for Local Community Clinics

Many major cities have mental health centers that provide reduced cost services for various populations and from various mental health providers. In San Diego, there are multiple centers that provide mental health services at a cost that is significantly lower than the average price of therapy in the area. The Center for Community Counseling & Engagement is one of these clinics. Services are provided by graduate students at San Diego State University whom are studying to become licensed mental health providers. The student therapists are supervised by a team of licensed professionals, and provide services at a cost of $12 to $50 per session. Urban Restoration Counseling Center also provides reduced fees ranging from $60 to $120 per session depending on the type of service rendered and the professional providing it.

#4 Utilize Scholarship Resources

With the increased support for providing accessibility to mental health services, it has become more common to find scholarship type resources to supplement the cost of therapy. The Loveland Foundation is one such fund that provides vouchers to be used with therapists from the Therapy for Black Girls directory that reduce the cost of services for a decided amount of sessions. In San Diego, the New Life Counseling Center also provides reduced services from licensed professionals thanks to an established fund within the center. Asking about the possibility of getting assistance with the cost of services is the first step in discovering new ways to cover the cost of therapy.

#5 Advocate for Mental Health Policy Changes

This is the most long term solution to making therapy more affordable and more accessible to everyone. Currently, insurance providers cover services for diagnosable and medically necessary mental health treatment. This is a vast improvement from just a few years ago when mental health needs were not covered at all. However, we still have a long way to go. Getting insurance companies to provide coverage for preventative care and the more nuanced mental health treatment will require more advocating for policy changes. We all hope to reach a point where you can make an appointment with your therapist and pay a simple co-pay for as many sessions you need and for as long as you need to feel you have reached a place of wellness and happiness.

Finding a therapist that takes your insurance is not the only way to find affordable therapy services. Knowing these tricks of the trade can help make therapy a little more accessible for everyone. Anyone and everyone who wants to better themselves should be able to receive mental health treatment. Utilizing some of the suggestions above can help to make affordable therapy more accessible.

What to Look for in a Good Therapist

Finding a therapist can be one of the most daunting tasks after deciding you want to start your therapeutic journey. Between referrals from friends, Psychology Today profiles, and insurance network requirements, you can get lost in the lists of names, specialties, and areas of so called “expertise”. Speaking from personal experience, I didn’t know where to start to find a therapist that seemed like a good fit for me (yes, therapists have therapists). Even after checking off little boxes of preferences to “filter results”, I was still left with a laundry list of therapists in my area that supposedly had all the qualities I was looking for.

So here are my suggestions for finding a therapist that fits your specific needs…

desk laptop1. Look into the Therapist’s Preferences

This may sound like the opposite of what you should be doing to find a therapist, but it is often the best indicator of if they’ll be the best fit. Exploring a therapist’s website, Instagram, and business profiles will often show you what population the therapist prefers working with.

For example, I love working with minority couples and interracial couples in the early stages of their relationships. Although I work with all types of couples at various stages of their relationships as well as individuals and families, this specific population I just find the most fun and really find it rewarding to work with. Being in a therapist’s preferred population usually leads to building rapport faster, meeting goals quicker, and an overall stronger therapeutic relationship. It also pretty much guarantees that your therapist has more experience with that specific population.

2. Base Your Search on Your Values

It is often beneficial to share similar values with your therapist (unless you are questioning your values, in which case it may be beneficial to choose a therapist with opposite beliefs, so as they will hopefully challenge those beliefs). Having similar values means a mutual understanding of what is important to you, and what aspects of your beliefs may be a strength or barrier in a therapeutic setting.

For example, for a LGBTQ couple it would be very important to find a therapist that is open to discussing and well versed in LGBTQ issues. This may mean finding a therapist that identifies as being a part of the LGBTQ community, or just finding someone who is a LGBTQ ally. I’ll let you in on a secret though, checking off “Gay”, “Lesbian”, or “Bisexual” under the sexuality preference on Psychology Today, is not going to necessarily find you a therapist that identifies as “Gay”, “Lesbian”, or “Bisexual”. Therapists often use this indicator to show that they are open to working with the LGBTQ+ community or that they specialize in LGBTQ+ issues. Finding a therapist that specializes in trauma, eating disorders, relational issues, or whatever issue you are facing doesn’t necessarily also require them to be experts in sexual orientations, as that may not be relevant to the issue at hand. Which brings me to…

3. Do Your Research on Evidenced-Based Theories

Most, if not all, therapists have a theory that they follow that structures how they proceed through the therapeutic process with you. Depending on the issue you are hoping to work through in therapy, there are various theoretical approaches that may work best or at least better than others. Some of the most common Evidence Based Theory include Cognitive-Behavioral Therapy, EMDR, Dialectical-Behavior Therapy (all of these are often used with trauma issues), Solution-Focused Brief Therapy, Narrative Therapy, or Emotion-Focused Therapy among others.

In my work with clients, I use a combination of Narrative Therapy and Solution-Focused Brief Therapy to create a space where the client is the expert in the room and ultimately knows how to use goal setting and exploring solutions to help them “re-write” their personal story. Therapists often use a combination of theoretical approaches to best fit the needs of their clients. So asking a therapist which theoretical approach they are most familiar with or use the most often can give you some insight into the type of therapeutic setting you’ll be stepping into.

4. Be Okay with Shopping Around

One of the single best ways to decide if a therapist is a good fit for your specific needs is to sit in session with them. If a therapist offers a FREE initial consultation either by phone or in person, I would definitely take it! This person will be the one that you share some of your deepest emotional concerns and biggest secrets with, so make sure it is someone you feel that you can trust. Although not all therapists offer free consultations, even if you pay for a first session, don’t hesitate to let the therapist know that the relationship isn’t clicking and you will be continuing your search for the therapist that is best for you. Any decent therapist will respect this decision, and it is more common than you think. Don’t settle in just because you’ve started the process with them. Therapy is something that you have to make a long term commitment to, so make sure it is a relationship you are willing to invest your time and money into.


Overall, therapy is a unique journey for each individual person. Do your research and take your time finding someone to start that journey with.

If you are interested in working with a culturally-competent, solution focused therapist in the San Diego area…contact me at 619-363-3127 or request an appointment here. I look forward to hearing from you and learning more about your story!

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