Therapy Without Insurance: Affordable Options — Talkspace

Free Mental Health Services

While there are a lot of mental health resources available, sometimes, when you’re searching for therapy, no insurance can be a problem at first. Free mental health services through crisis hotlines, community health clinics, support groups, and some online therapy platforms are all ways people without insurance coverage can find therapy.

Community health clinics

If you’ve ever wondered how to get therapy without insurance, many states offer federally-funded community clinics with access to free or affordable mental health care services.

To gain access to all the community clinics in the United States, you can search the healthcare.gov database. Not every community clinic offers mental health services, so it’s a good idea to check their website to make sure they offer what you need.

In addition to the federal database, you can also search for a list of clinics in your area using the freeclinics.com database.

Faith-based support groups or crisis hotlines

Many faith-based support groups help people through addiction, divorce, recovery, and mental health conditions. You can reach out to your specific house of worship or search online if you prefer an online, faith-based community.

You can also search on Facebook for topics like “Christian support groups” or “faith-based support groups,” or even search the website Meetup for like-minded support groups.

In addition, there are also faith-based hotlines:

  • Biblical Help for Youth in Crisis 1-800-HIT-HOME
  • Association of Christian Counselors 1-800-526-8673
  • Grace Help Line 24 Hour Christian service 1-800-982-8032
  • The Jewish Board 1-844-ONE.CALL

Crisis text line

If you’re in an immediate crisis, the Crisis Text Line is available 24/7, free of charge. Just text 741741, and you’ll be connected to a trained crisis counselor. You can text back and forth until the acute event is over.

*Note: If you’re in crisis and having thoughts of self-harm or suicide, please get help immediately. Dial 911 or reach out to the National Suicide Prevention Lifeline at: 1-800-273-TALK (8255).

Mental health hotlines

Many people are trained to help those in crisis, and they’re just a phone call away. Your information is confidential, and access is always free:

  • Suicide Hotline: 1-800-SUICIDE (784-2433)
  • National Suicide Prevention Lifeline: 1-800-273-TALK (8255)
  • Suicide Prevention Hotline: 1-800-827-7571
  • Gay and Lesbian National Hotline: 1-888-843-4564
  • Trevor Hotline (Suicide): 1-866-4-U-TREVOR
  • SAFE (Self Abuse Finally Ends): 1-800-DONT-CUT
  • Youth Crisis Hotline: 1-800-448-4663
  • Teen Hope Line: 1-800-394-HOPE

A longer list of hotlines is available here.

Online forums or support groups

Online forums and support groups are widely available for people searching for help with mental health conditions or support while going through a divorce, addiction, or grief. If you prefer online help, you can search on Facebook for various specific support groups.

The National Alliance on Mental Illness (NAMI) offers the NAMI Connection, a free weekly, bi-weekly, or monthly support group where people share coping strategies and offer each other encouragement and understanding. To find a location near you, search the NAMI database.

You can also call 2-1-1, and they should be able to direct you to a support group or counseling in your area.

“Most cities have community centers or clinics where free mental health services are offered. Lifeline is a free, confidential crisis service that’s available to everyone, 24/7, and it connects you to the nearest center offering mental health services in their network. You can get crisis services or referrals to find free mental health services.”

Talkspace therapist Cynthia Catchings, LCSW

Access to mental health should not be dependent on the ability to pay or whether or not you have insurance with mental health coverage. There are so many resources out there that can help you get the therapy you need to live a full, healthy, happy life that’s rewarding and peaceful. Use the tips we’ve given you here to find therapy at either no cost or at a cost you can afford. You deserve it.

Talkspace offers online, affordable, convenient, and accessible therapy that’s literally at your fingertips. Learn more about how our pricing and subscriptions work, so you can start on your path to healing today.

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