The cost varies depending on factors such as location, therapist qualifications, session format, and whether you use insurance.
These are the typical costs:
- Private therapy (without insurance).
If paying out-of-pocket, expect:
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- $100 – $250 per session: The average cost in the U.S.
- $50 – $150 per session: In smaller cities or with less experienced counselors.
- $200 – $400 per session: In major cities like New York, Los Angeles, or with highly specialized therapists.
- Sliding Scale Fees: Some psychotherapists offer reduced rates based on income.
- Therapy with insurance
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- Many insurance plans cover CBT under mental health benefits.
- Copay typically ranges from $20 – $50 per session.
- Some plans cover a set number of sessions per year, like 10-20 sessions, for instance.
How to check coverage:
Call your insurance provider and ask:
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- “Do you cover CBT therapy sessions?”
- “What is my copay or out-of-pocket cost?”
- “How many sessions are covered?”
Search your insurance company’s therapist directory for in-network providers.
- Online therapy options (more affordable)
Online therapy platforms present CBT at a lower price:
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- BetterHelp: $60-$90 per week (billed monthly).
- Talkspace: $69-$109 per week, including messaging and video calls.
- Online-Therapy.com: Starts at $50 per week and contains worksheets in addition to exercises.
These platforms are convenient but may not be covered by insurance.
- Low-cost and free CBT options
If private therapy is too expensive, try:
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- Community mental health clinics: Offer CBT at reduced rates or for free.
- University counseling centers: Free or low-budget therapy for students.
- Nonprofits and support groups: Some organizations provide CBT-based programs.
- CBT self-help books and apps: Free or cheap resources to practice CBT independently.
Summed up:
- With insurance: $20-$50 per session (copay).
- Without insurance: $100-$250 per session.
- Online therapy: $50-$100 per week.
- Cheaper options exist if you need financial help.
