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Financial Concerns
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For many of us, what we can financially afford guides many of our medical and health decisions.
If you have insurance, your first step to finding a clinician is to find out what services and which mental health
professionals your insurance company will cover. For example, some private practices will not accept Medicare and
Medicaid.
Some clinicians will allow you to pay on a sliding scale. This means that you pay according to what
you can afford. If you have access to any of the following resources, you might want to explore how they can work
for you: |
- Employee assistance programs - Sometimes large corporations
will have programs that provide or help find mental health treatment for their employees.
- Universities and colleges - Universities and colleges
often have health centers, counseling centers, or counseling referrals centers. If you are a student, employee
or family relation of a student or employee at a university or college, you might want to find out what resources
it has.
- Elementary, junior high, and high schools - Local schools
sometimes provide mental health help or counseling for their students and their families.
- Religious affiliations - Sometimes your religious organizations
(including YMCA and other religious community centers) have networks that provide or help find and pay for mental
health care.
- Local community mental health center - These centers
are often supported by local government and treat people with limited health care coverage such as Medicare and
Medicaid.
- Training programs - Clinical training programs such as
ones at universities and hospitals sometimes provide free or less expensive services with clinicians in training.
Often there are certain limitations on who can volunteer for these types of programs.
- Research projects - Often mental health researchers need
people to participate in treatment studies. Participants in these studies often receive free treatment. Your local
college, university, health center, or hospital may be a good place to look for this option.
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