How much does problem-solving therapy cost?

The cost can vary quite a bit depending on:

  • Where you live.
  • How you access it.
  • Whether it’s covered by insurance or a public healthcare system.

The price usually reflects general psychotherapy rates since PST isn’t always labeled as a distinct service (like CBT or psychodynamic therapy might be).
A person giving money and another person receiving money.

  1. Average cost (private pay)

United States:

    • $100–$200 per session (45–60 mins).
    • Urban areas tend to be more expensive.
    • Sliding scale options are available with some therapists.

United Kingdom:

    • £40–£100 per session
    • PST might be obtainable free via the NHS under IAPT services (Improving Access to Psychological Therapies), particularly for depression.

Australia:

    • AUD 100–$200 per session
    • Medicare may cover up to 10 sessions per year with partial rebates (around AUD 80 per session) with a mental health care plan.

Canada:

    • CAD 100–$180 per session.
    • Often not covered by public healthcare unless provided in hospitals or community mental health centers.
    • Private insurance may help.

Belgium:

    • Rates vary but are often €50–€90 per session.
    • Some therapists offer reduced rates under convention agreements (via mutualiteit/ziekenfonds).
      • PST might not be specifically listed but may be practiced under general psychotherapy.
  1. Insurance and reimbursement
    The sentence "health insurance" was made with Scrabble blocks on a table with pills around it.
    • PST is covered under general psychotherapy when done by a licensed provider (psychologist, clinical social worker, or licensed therapist) in many countries.
    • In the U.S., it may be covered under CPT codes for psychotherapy (90834, 90837).
    • In Belgium and parts of Europe, reimbursement through public insurance may require referral or therapist accreditation.
  1. Low-cost or free options
    • University clinics: Regularly offer PST by trainees at reduced rates.
    • Online platforms: Some guided PST programs are free or low-cost (SilverCloud, MoodGYM).
    • Community mental health centers or non-profits may suggest PST or similar skills-based therapies.
  1. Digital or guided self-help PST

Some platforms offer PST in an online or workbook format:

    • Often $0–$50 total for access.
    • Good for people with mild to moderate depression.
    • Examples: MindSpot (AU), Woebot (US-based), NHS SilverCloud (UK).

PST is often cheaper in the long run because it’s short-term (6–12 sessions), but upfront costs can still be a barrier.

Always ask about:

    • Sliding scale options.
    • Package deals or session bundles.
    • Coverage through your health insurance or national health system.

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