Online therapy has become an increasingly popular option for those considering mental health support, but the cost of services can vary widely. A common question many people have when considering therapy is, “How much will it cost?”

The cost of therapy varies widely based on location, availability, type of therapy, and format. However, research by Simple Practice (a therapy management platform) establishes an average of $150 per 60 minute session nationwide. Additionally, $150 is the average price in Michigan and represents an excellent value for therapeutic services, including online therapy.

What Factors Influence the Cost of Online Therapy?

While the average cost for a therapy session is $150 both nationwide and in Michigan, the actual amount you’ll pay depends on several key factors. The most significant factor is insurance coverage, which can dramatically reduce the price of therapy.

Many insurance plans do not differentiate between coverage for online and in-person therapy, offering the same options for both. Some states, including Michigan, have a telehealth parity law that require insurance companies to cover telehealth services, including online therapy.

Other considerations that influence the cost of online therapy include:

• Type of Therapist: Licensed therapists, psychologists, and psychiatrists charge varying rates based on their qualifications and specialties. Additionally, some professionals can offer sliding fees or work with you personally. Still, this process is highly individual, and the cost of service is something you can discuss with your treatment provider.
• Session Length and Frequency: How often you go to therapy will influence the overall price. In some cases, therapists might offer discounted rates for shorter session lengths (e.g., 30 minutes), but you should discuss this with your therapist to see if it is something they offer.
• Location: Telehealth licensing and laws are regulated by state, while cost of living differences can influence the overall price of services.
• Type of Service: General therapy sessions will usually cost less than psychiatric evaluations or specific testing, such as an ADHD evaluation. These evaluations require specific training and licensing to conduct and are most often single sessions that occur as part of a larger treatment plan.

To What Degree Does Insurance Cover Online Therapy?

Therapy, psychiatry, and counseling are all considered behavioral health services to insurance providers. Most insurance companies, including Blue Cross Blue Shield (BCBS), Aetna, and Priority Health, cover behavioral health services, including online therapy, and this is a trend that has been growing.

In recent years, the acceptance and awareness of online therapy has grown significantly. This shift is partly due to the convenience and accessibility of online treatment but also came about after the COVID-19 pandemic when many individuals and providers had to adapt to virtual care quickly. With this growing acceptance, insurance companies have increasingly recognized the value of behavioral health services delivered online. Most insurers now offer coverage for online therapy as part of their mental health benefits, ensuring individuals can access care without financial barriers.

However, while insurance generally covers online therapy, the presence of coverage and the degree to which it helps cover online therapy is specific to your region and insurance provider.

Costs of Online Therapy vs. In-Person

Online therapy is often priced similarly to in-person therapy and offers the same level of support. While online therapy isn’t necessarily cheaper, it can be more cost-effective due to the convenience of participating in sessions from home and avoiding travel.

Ultimately, the cost of therapy reflects its quality and, to a small degree, a location’s cost of living. Effective treatment, whether delivered online or face-to-face, is personalized to your unique needs, promotes your unique strengths, and ensures that you learn long-term mental health strategies.

When choosing between the two, it’s essential to consider not just the cost but also the convenience, flexibility, and overall fit for your lifestyle and mental health needs. Prioritizing the quality of care ensures that you receive the best support possible.

Find Affordable Therapeutic Options with Start My Wellness

Online therapy has become a flexible and accessible way to receive mental health care, but costs can vary based on several factors. At Start My Wellness, we understand how important access to mental healthcare is and that it can be challenging to find quality care that fits your life and financial situation. We’re committed to offering personalized therapy that helps you achieve your mental health goals, whether online or in person. We will provide you a good-faith estimate on the cost of therapy before you begin and answer any questions you have about insurance, deductibles, copays, and the frequency of sessions.

If you’re ready to explore affordable online therapy options, we’re here to help. Call us at (248)-514-4955 or schedule an appointment to take the first step towards better mental health.

Sources

1. Simple Practice: The Average Cost of Therapy Session by State
2. Start My Wellness: How Much Does Therapy Cost?
3. Michigan Health and Hospital Association: Governor Signs Telehealth Parity & Behavioral Health Licensing Clarification Bills