Mental Health Costs
Therapy costs, compared.
In-network, out-of-network, sliding scale, or app — enter your numbers once and see the monthly and annual cost of each path side by side. Cost only; nothing here is clinical advice.
Enter your numbers to compare
Add your copay and any other quotes you have — the comparer shows each path's monthly and annual cost side by side.
CHEAPEST ON PAPER
$0
In-network
$0
$0 / year
Out-of-network
$0
$0 / year
Sliding scale
$0
$0 / year
Therapy app
$0
$0 / year
How each number is built
- In-network monthly
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- Out-of-network monthly
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- Sliding scale monthly
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- Therapy app monthly
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- Cheapest − priciest
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What each path usually looks like
- In-network: you pay the copay per session; the therapist bills your insurer for the rest.
- Out-of-network: you usually pay the full fee upfront, then file a claim and get reimbursed at your plan's percentage — reimbursement can take weeks.
- Sliding scale: a reduced fee some therapists offer based on income; availability and eligibility vary by practice.
- Therapy apps: a flat monthly subscription; many plans are message-based and may not include live sessions — check what the plan actually includes.