The cost of cognitive therapy varies widely depending on several factors, including location, therapist qualifications, session length, and whether insurance covers it.
- Average cost per session
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- Without insurance
$100 – $250 per session (varies by location).
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- With insurance
$20 – $50 co-pay (depending on your plan).
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- Sliding scale fees
Some therapists offer reduced rates ($50 – $100) based on income.
- Factors that affect cost
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- Location
Therapy tends to be more expensive in major cities than in rural areas.
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- Therapist qualifications
Psychologists and psychiatrists charge more than licensed counselors or social workers.
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- Session length
Standard sessions are 45–60 minutes, but longer sessions may cost more.
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- Online vs. in-person
Online therapy platforms (like BetterHelp, Talkspace) present subscriptions starting at around $60–$90 per week.
- Insurance coverage
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- Many health insurance plans partially or fully cover therapy, especially if it’s deemed medically necessary.
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- Check if your provider is in-network to lower out-of-pocket costs.
- Affordable alternatives
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- Community mental health clinics
Advancing cheap or free therapy.
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- University training clinics
Provide therapy from graduate students under supervision at reduced rates.
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- Nonprofits and support groups
Some organizations provide free CBT-based support groups.
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