You may have experienced an emotionally traumatic event that has left you uneasy. Therapy is a way to cope with these challenges and start feeling better. If you are a Texas resident, remember that you are not alone. Approximately 36.8% of individuals are currently in similar situations.
As a Texan, you may be skeptical about therapy due to the session costs. Mental health care in Texas is expensive, with each session typically ranging from USD 50 to USD 200 or more. Approximately 39% of Texans choose not to pursue therapy due to the high costs.
One of the main reasons for increased costs is the shortage of mental health professionals. Unfortunately, many believe that health insurance does not cover therapy costs, but that is far from the truth. In this blog, we will discuss the cost of therapy in Texas, insurance coverage, and more.
3 Factors Affecting the Cost of Therapy in Texas
Ideally, the cost of therapy will depend on factors such as location, type of service, and experience. Let’s elaborate a little more on these factors:
#1. Experience
In Texas, a therapist might charge higher fees if they have an experienced background with advanced degrees, just like in other states. On the other hand, a less qualified professional with minimal credentials and experience will typically offer more affordable rates.
#2. Type
The cost of therapy in Texas varies depending on the type and extent of services. For example, group sessions are generally less expensive than individual therapy. Additionally, certain types of therapy, such as cognitive-behavioral treatment, may require more sessions, which can increase the overall costs.
#3. Location
In most cases, the location of the therapy service will impact the costs. For example, rates are higher in metropolitan areas like Houston or Dallas compared to the countryside or rural areas.
How to Reduce Therapy Costs in Texas?
In some cases, a therapist in Texas may provide discounts and sliding scale fees for individuals unable to afford the services. These fees will vary based on an individual’s income level and expenses. It can make therapy affordable and accessible for those in need.
Investing in mental health is crucial for your well-being. As such, it is not an area where you should compromise. According to Zencare, therapy can help address various issues, such as anxiety, trauma, relationship problems, and depression.
Moreover, the Texas government has implemented the Texas Military Department Counseling Program, which offers free therapy sessions for veterans, state guards, and military service members. This program ensures that military personnel can access free therapy to support mental health.
Another cost-effective option would be online therapy. Therapists may offer reduced rates for this service. But you can access all the therapy benefits from the comfort of your home through video calls or messaging.
In recent years, this therapy option has become the Holy Grail for those who cannot afford in-person sessions. Moreover, you can reach out to therapists from all over Texas without being constrained by geographical locations. The American Psychological Association states that “online therapy is here to stay.”
Can Insurance Cover Therapy Costs in Texas?
Individual and family health insurance policies can cover substance abuse and mental health care treatments. The Texas Department of Insurance (TDI) states that insurance claims for these services must be on par with physical illness benefits. However, it is crucial to note that self-funded insurance provided by your employer may not cover these benefits.
You can read your policy and contact the insurance company to verify the benefits covered. The insurance claims will depend on whether your therapist is out-of-network or in-network with the insurers.
For in-network therapists, you will typically be required to copay after claiming your annual deductible. However, for out-of-network therapists, you may need to pay the full fee upfront and later seek reimbursement from the insurance company.
POS or PPO insurance plan holders will receive some reimbursement from insurers. However, EPO, Medicaid, and HMO insurance holders may not be eligible. Similarly, health insurance will not cover services that do not fall under mental health issues. Examples include life coaching and couples counseling.
The Way Forward
A report by Statista indicated that in 2022, Texas had the worst mental health care. Additionally, Texas ranks 33rd in the country for adult mental health issues. However, the government is making efforts to rectify this situation.
Greg Abbott, the Governor of Texas, has allocated USD 25 billion to address and improve mental health. Furthermore, state and federal laws, such as patient rights, support Texans dealing with mental health issues. With these initiatives, you can expect to see a positive difference in mental health care.
Either way, seeking therapy will help you manage mental illness and develop coping skills essential for your overall well-being.
