The cost varies widely depending on several factors, including location, therapist qualifications, session length, and whether insurance covers it.

1. Average cost per session

• • Without insurance: $100 – $250 per session (varies by location).
  • With insurance: $20 – $50 co-pay (depending on your plan).
  • Sliding scale fees: Some therapists offer reduced rates ($50 – $100) based on income.

2. Factors that affect cost

• • Location: Therapy tends to be more expensive in major cities than in rural areas.
  • Therapist qualifications: Psychologists and psychiatrists charge more than licensed counselors or social workers.
  • Session length: Standard sessions are 45–60 minutes, but longer sessions may cost more.
  • Online vs. in-person: Online therapy platforms (like BetterHelp, Talkspace) present subscriptions starting at around $60–$90 per week.

3. Insurance coverage
   
   

• • Many health insurance plans partially or fully cover therapy, especially if it’s deemed medically necessary.
  • Check if your provider is in-network to lower out-of-pocket costs.
  • Medicare and Medicaid: Some plans cover CBT, but that varies by state and provider.

4. Affordable alternatives

• • Community mental health clinics: Advancing cheap or free therapy.
  • University training clinics: Provide therapy from graduate students under supervision at reduced rates.
  • Nonprofits and support groups: Some organizations provide free CBT-based support groups.