How Much Does Therapy Cost You on Average?

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16 November 2023

9 Mins

We all know that life can get tough, and sometimes we need a little help, which is perfectly okay. So, how much does therapy cost? Many of us see therapy as a costly affair, but what if I told you it's not always that way?

An average therapy session cost includes more than just the time with the therapist; it also covers their work and experience. However, the cost can vary—sometimes it can be high, low, or even free. This guide helps provide you with a general overview of therapy prices based on your location and approach. You’ll also find valuable tips on how to access affordable therapy, showing that it doesn't always have to be out of reach.

Let’s explore how much therapy costs and why it can be accessible.

Intro Picture

What is the Average Cost of Therapy?

Understanding exactly “how much is therapy” for an average person can be a bit confusing. The price of a therapy session can vary depending on the kind of therapy you need, like family or couples counseling, and whether your insurance pays for mental health therapy.

Before choosing the therapist, consider what type of treatment you want, the available therapy options in your area, your health insurance coverage, and any extra help you might get, like workplace mental health programs or government support. It's all about finding the right fit for you!

Therapy costs can vary widely, with options like community mental health clinics and online therapy often providing low-cost or even free sessions. Private therapy sessions generally come at a higher price. Factors like your location, the therapist's experience, and insurance coverage can all play a role in determining the cost. So, when it comes to therapy expenses, there's a broad range to consider.

What is the average cost of therapy

How Much Does Therapy Cost With Insurance?

The cost of therapy with insurance can vary depending on your specific insurance plan. With insurance, you typically pay a copayment or coinsurance for each therapy session, which can be affordable for all, depending on your plan. In India, the availability of insurance coverage for therapy or mental health services can be limited, but it is gradually improving. Some health insurance policies do offer coverage for mental health treatment, which may include therapy sessions with licensed mental health professionals. Some examples are HDFC ERGO Health Insurance, Reliance Health Insurance, and ICICI Lombard, among others.

It's important to check with your insurance provider to understand your plan's coverage and how much therapy costs. Also, some insurance plans have preferred providers or networks, so you may want to ensure that the therapist you choose is in-network to maximize your insurance benefits.

How much does therapy cost with insurance

How Much Does Therapy Cost Without Insurance?

The cost of therapy without insurance can vary widely depending on several factors, including your location, the type of therapy, and the therapist's experience and qualifications. On average, the cost of therapy sessions in India typically falls in the range of Rs 1,000 to Rs 4,500. Some therapists offer sliding scale fees, which are adjusted based on your income and ability to pay, making therapy more affordable.

It's essential to discuss fees with potential therapists and inquire if they offer any reduced rates or sliding scale options. Many therapists are willing to work with clients to make therapy more accessible. Moreover, community mental health centers and non-profit organizations may provide lower-cost or even free therapy services to those in need. Online therapy also offers low-cost mental health services such as Now&Me. Overall, how much therapy sessions cost without insurance can be influenced by various factors.

How much does therapy cost without insurance

How To Pay For Therapy?

Paying for therapy can be managed through various methods, depending on your financial situation and resources. Here are some common ways to pay for therapy:

1. Health insurance

If you have health insurance, check if it covers mental health services, including therapy. Many insurance plans offer coverage for therapy sessions. Contact your insurance provider to understand your coverage and any associated costs.

2. Employee Assistance Programs (EAP)

Some employers offer EAP benefits that include access to counseling or therapy services. These programs can provide a limited number of free or low-cost therapy sessions for employees and their families.

Employee assistance programs

3. Sliding scale fees

Many therapists offer sliding scale fees, where the cost of therapy is adjusted based on your income and ability to pay. This can make therapy more affordable for those with limited financial resources. For instance, students often benefit from free counseling while studying at a particular college.

4. Non-profit and community organizations

Some non-profit organizations and community mental health centers, such as NIMHANS, offer low-cost or free therapy services to people who may not have insurance or the means to pay for therapy.

5. Online therapy platforms

Online therapy services and apps may offer more affordable options than traditional in-person therapy. Now&Me is one of the best platforms for finding a therapist through online counseling. You can take one-on-one consultation calls with the best-rated experts at the most affordable prices, starting at just Rs. 30.

Online therapy platforms

6. Government programs

In some cases, government programs or agencies may offer mental health services to people in need. These programs may have income-based eligibility criteria. These services can be a valuable resource for those seeking affordable mental health support. Don't hesitate to check with local or national mental health initiatives to explore these options further.

7. Out-of-pocket payment

If you can manage it, you also have the choice to pay for therapy out of your own pocket. When considering this approach, it's a good idea to have an open conversation with your therapist regarding fees and payment arrangements. Your therapist can provide you with their fee structure and discuss available payment options, helping you make well-informed decisions about covering the cost of your therapy sessions.

Out of pocket payment

Is There a Way to Get Free Therapy?

There are ways to access free or low-cost therapy. Here are some options :

1. Educational institutions

Some universities and colleges with psychology or counseling programs offer low-cost therapy services provided by graduate students under the supervision of licensed professionals. These services are often available to the public at a reduced rate and students studying at these colleges may even have access to free counseling services. Furthermore, some therapists also provide pro-bono or free therapy sessions in certain cases.

2. Online mental health apps

Some online therapy platforms offer free or low-cost options. While they may be a substitute for traditional therapy, they can also provide support and coping strategies. Now&Me provides you with a free opportunity to chat with therapists with simple steps, just download the app for free, see the therapist who is online, and start chatting. You can further take a consultation for better help and get more clarity about the things bothering you.

3. Support groups

Although not a replacement for therapy, support groups can offer emotional support and a sense of community. Many support groups are free and address specific issues or conditions. You can join Now&Me's open, welcoming, and supportive community. This platform is designed for you to easily seek assistance and allow our experts to support you with any concerns that may be troubling you.

4. Government programs

In some regions, government programs or agencies provide free or low-cost mental health services to people who meet certain income and eligibility criteria. One such scheme is the National Mental Health Programme (NMHP), launched in 1982, which provides accessible and affordable mental health services.

5. Charitable organizations

Some charitable organizations offer grants or scholarships to those who need financial assistance for mental health treatment. These grants can help cover the costs of therapy, and you can easily explore the options available in your region.

6. Community events and workshops

Some mental health awareness events and workshops offer free educational resources and support for people looking to improve their mental well-being. To find local events or workshops, you can connect with community mental health organizations or there are online options such as Mind India, which runs a variety of mental health events.

Is there a way to get free therapy

Factors That Can Influence the Cost of Therapy & Mental Health Treatment

The cost of therapy is influenced by several factors, including the type of healthcare provider, your location, and the method of therapy delivery. Here are some factors that affect how much therapy costs.

1. Type of mental health professional

The cost of your therapy can vary due to several factors, including the type of therapy you choose, the therapist's specialization and continued education, and how many sessions you intend to schedule each year. It also depends if your therapy plan includes any prescribed medications, as you may not be sure if you need medicine to feel better.

2. Location

Your location plays a significant role in therapy prices. In metropolitan areas, where the cost of living tends to be higher, you might find that therapy prices are also higher. On the other hand, in less densely populated or remote areas, therapy costs may be relatively lower.

The availability and pricing of licensed therapists can also vary depending on your place of residence. For instance, you might observe that counselors of traditional therapy charge more while online counseling services charge less. Furthermore, depending on your background, online mental health counseling could present a cost-effective therapy alternative.

3. Virtual or in-person

Online therapy services like Now&Me charge a starting price of only Rs. 30. However, costs can vary depending on the therapy you opt for and can be cheaper than in-person therapy. The low cost, combined with the convenience and flexibility of online therapy, opens up new opportunities for those seeking mental health support.

4. Specialization

The cost of therapy may differ based on the therapist's specialization. Therapists with specialized training and certifications for specific issues might charge more for their services. For example, a psychiatrist, who can provide therapy and prescribe medications, often charges more than a counseling psychologist offering counseling due to differences in experience, training, and specialization. They also have the advantage of being able to prescribe and manage medications, making their services distinct in some cases.

5. Number of sessions

How much therapy costs is also affected by the number of sessions required. Some conditions or concerns may be effectively addressed in a few sessions, resulting in lower overall costs. In contrast, more complex or long-term issues may necessitate a greater number of sessions, contributing to higher expenses.

Factors That Can Influence the Cost of Therapy & Mental Health Treatment

Further Reading

How Does Therapy Actually Work?

6 Common Myths About Online Therapy with Now&Me

Your Guide for Your First Therapy Session

“We All Should Take Therapy”, But Why? Find Out Now!

5 Best Therapies That Can Reduce Your Anxiety


On average, therapy sessions in India may range from ₹500 to ₹2,500 or more per session. Public or government mental health services may offer lower-cost or free options. Plus, some therapists provide sliding scale fees based on income. Online therapy is also an cost-effective method, starting at just Rs. 30.

Therapy sessions in India can range from ₹500 to ₹2,500 or more per hour. It's important to note that some therapists may offer sliding scale fees or reduced rates based on an individual's income, so the cost may be more affordable for those with lower incomes. Public or government mental health services may also provide lower-cost or free options for therapy in some regions. Among all of them, online therapy is another growing option that is the most accessible and affordable platform available for free or at the lowest cost.

Yes, there are ways to access free therapy or low-cost mental health services. Some options include seeking help from nonprofit organizations, community mental health clinics, universities with psychology programs, or online therapy. Moreover, some therapists offer pro bono or sliding scale services, while there are also online crisis helplines or chat services that can provide immediate support at no cost.

Yes, therapy sessions can be conducted over the phone using online therapy. Therapists offer phone sessions as an alternative to in-person appointments at Now&Me. It helps people receive mental health support from the comfort of their own location, making it a convenient option for many.

The frequency of therapy sessions depends on needs and the nature of the concerns being addressed. Some people benefit from weekly sessions, especially when dealing with acute issues, while others may find biweekly or monthly sessions sufficient. Ultimately, the ideal frequency should be determined in collaboration with your therapist, taking into account your progress and therapeutic goals.

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