In the case of using therapy as a tool to help process difficult life events, therapy is worth it. This is because choosing not to go to therapy after suffering a loss or traumatic event could mean serious damage to your mental state. No one should have to suffer alone. For some, therapy was worth a penny.
For others, it seemed like an unnecessary waste. Another option is to check with your employer about additional out-of-network benefits. Whitehead says some employers offer EAP, or employee assistance programs, that cover the full cost of therapy for employees. The caveat is that there is a limit to the number of therapy sessions the employer will generally pay, Whitehead says, between three and 12, so EAPs are more useful if you're being treated for situational stress, such as grief, rather than a problem that requires ongoing treatment, such as chronic depression.
Yes, therapy is always worthwhile if you think you need it, and sometimes even when you think you don't need it (but in reality you still need it). Therapy has paid off for many people, sometimes in combination with pharmaceuticals and sometimes without them. Paying to see psychiatrists who are out of network or who don't take out health insurance works the same way it does with therapists. If you are paying for therapy with insurance, also consider that to be covered by insurance you must have a “covered” diagnosis.
One reason is that seeing a therapist remotely reduces the risk of getting sick, which also decreases the likelihood that your insurer will have to pay for expensive medical care. Usually, according to Gagerman, a therapist will not verify your income and there is no formula to determine exactly how much you can or should pay. If you have out-of-network benefits with your insurance plan, you may be reimbursed for most of what you pay the therapist. The amount you pay for therapy can depend on many factors, including the type of therapy you choose, your insurance coverage, your therapist's qualification level, and even where you live.
To find out if staying in-network will save you money, ask for a therapist's fee and estimate how many sessions you would have to pay out of pocket before you meet your deductible. You may think that therapy is not worth it because there is nothing a therapist can do or say that you can't do yourself or read in a book. But how much does therapy cost? Here's what you can expect to pay for therapy, along with some helpful tips for reducing your out-of-pocket costs. And while therapy may pay off after divorce, it can also help prevent divorce and save a marriage.
If you don't want to include a diagnosis code in your medical record, you can tell a therapist that you'd rather not use your health insurance as payment. Going through some profiles of GoodTherapy therapists in your area will give you a general idea of the cost of private pay therapy.
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