Insurance & paying for treatment
This page is for general education and is not medical advice. It is not a substitute for diagnosis or treatment by a qualified professional. If this is an emergency, call 911 or 988.
Cost is one of the biggest barriers to care. Here's how coverage typically works and what to check before starting treatment.
Ways treatment is paid for
- Private insurance — mental health is an essential health benefit on most plans
- Medicaid — covers mental health services for eligible residents (varies by state)
- Sliding-scale clinics & FQHCs — fees based on income
- Employee Assistance Programs (EAPs) — short-term, often free
Questions to ask
- Is this provider in-network? What's my copay or deductible?
- Do I need a referral or prior authorization?
- How many sessions are covered?
Check your state's options on our find help by state pages.
Questions about options?
Reach the free, confidential SAMHSA National Helpline for treatment referrals and information.
This is the free, confidential SAMHSA National Helpline, operated by the U.S. government. Get Mental Help is not affiliated with it and is not compensated for these calls. How this site is funded.