Navigating the teenage years can be a complex and challenging journey for both teens and their parents. During this time, the teenage brain is rapidly growing and changing, and hormones are at an all-time high. These biological changes, combined with social challenges and teenage emotions, make adolescence a critical period for mental health. As a result, many teens are vulnerable to mental health issues like anxiety and depression, as well as struggles with building peer relationships and dealing with academic stress.
Average Cost of Teen Therapy
The cost of teen therapy can vary depending on several factors, including the type of therapy, the therapist’s experience, and whether insurance is involved. Without insurance, a therapy session for child therapy typically ranges from $60 to $150. However, if you have insurance, your out-of-pocket costs could drop significantly, usually between $20 and $60 per session.
Insurance coverage can play a big role in making therapy more affordable. Many insurance plans cover mental health services, including both in-person and online therapy. To avoid surprises, it’s always a good idea to check with your insurance provider to confirm what’s covered before you invest in mental health care and begin therapy for your teenager. This will help ensure you’re prepared for the costs and get the support your teen needs.
Factors That Influence Teen Therapy Costs
The cost of therapy for teens can vary based on several key factors, including the type of therapy, the therapist’s qualifications and experience, your location, and the length of each session.
Type of therapy
The type of therapy your teen needs can significantly impact the overall cost. Here’s a breakdown of some common types of therapy for teens:
- Cognitive behavioral therapy (CBT): Commonly used for issues like anxiety, depression, and substance use disorders, CBT for teens is generally a mid-range option in terms of cost.
- Dialectical behavioral therapy (DBT): Often used for teens with emotional regulation issues, DBT for teens is more specialized and may come with a higher price tag.
- Art or music therapy: Creative therapies can be highly effective for teens. If they’re struggling to find the right words to fit their emotions and feelings, different forms of expression can provide relief. These forms of therapy typically cost less than traditional talk therapy.
- Trauma-focused therapy: Trauma-focused therapy is a subtype of CBT, often best for teens who have experienced significant trauma. However, it can also be the most expensive because it usually requires many sessions over a 10- to 12-week period
Provider credentials
A therapist’s qualifications and experience level are crucial factors that influence the cost of therapy for teens. For example, sessions with a master’s level mental health provider, such as a Licensed Professional Counselor (LPC) or Licensed Mental Health Counselor (LMHC), are often more affordable than those with a clinical psychologist (PhD) or psychiatrist (MD). However, psychiatrists can prescribe medications, which may be necessary for treating certain mental health conditions. It’s also important to note that many psychiatrists refer clients to other mental health professionals for psychological support, working in tandem with them to provide comprehensive care.
When seeking therapy for issues like depression or anger management for teens, it’s important to choose a therapist with specialized training in those specific adolescent mental health concerns. This ensures they have the expertise needed to address the unique challenges teens face. Always take the time to verify your therapist’s credentials to ensure your child receives the highest quality care.
Location
Geography can significantly influence therapy costs. Urban areas generally have higher costs than rural ones due to higher demand and increased operating expenses. For families in smaller towns or rural locations, online therapy can be a cost-effective alternative, often costing less than in-person therapy while providing similar levels of teen counseling care.
It’s also important to consider that in rural or ethnically specific communities, the mental health professional may be someone the teen or family knows outside of the therapeutic setting. This familiarity can make it more challenging to seek local therapy, adding another layer to the decision-making process when it comes to mental health support.
Session length
A typical therapy session lasts between 30 and 60 minutes. Longer sessions may cost more, but the ideal length depends on your teen’s unique needs. Shorter sessions may be a better option for younger teens or when focusing on specific issues. Your therapist may also offer lower rates for booking packages of multiple sessions.
“While therapy is not one size fits all, and it takes time for the therapist and teen to get to know one another, the key component is building a trusting relationship. You might find that sometimes it feels like the session drags on and on because you aren’t sure what to talk about, and other times it flies by because you have so much to say. In general, 45-50 minutes for a session allows for enough time to discuss any ongoing concerns and practice any skills or strategies that may be needed.”
– Talkspace therapist Jill Daino, LCSW-R
How To Pay for Your Teen’s Therapy
If you’re concerned about the cost of therapy for your teen, several strategies and resources are available to mitigate expenses.
Check your health insurance
Start by reviewing your health insurance policy to see what mental health services are covered and find a therapist covered by your insurance. Many insurance plans include therapy sessions for teens, which could significantly bring down your out-of-pocket costs. Be sure to confirm whether your preferred therapist is in-network to avoid surprise expenses.
Utilize FSAs or HSAs
Consider sliding-scale arrangements
Look into school resources
Many schools provide free or low-cost counseling services to support students. School counselors are available to help with a range of challenges, from academic stress to navigating peer relationships. In some cases, schools also collaborate with external mental health organizations to provide more extensive care, ensuring students have access to the resources they need for their well-being.
Search for free or low-cost mental health resources
Local community centers, nonprofit organizations, and religious institutions may offer free or low-cost mental health resources to teens. Accessing these resources can make a big difference in securing the care and support needed. Additionally, programs like Medicaid and the Children’s Health Insurance Program (CHIP) provide coverage for eligible families, reducing the cost of therapy and mental health services for teens.
Find Your Teen Support With Affordable Online Therapy
Online therapy can be a great option for families with busy schedules, as it eliminates the need for travel and offers greater flexibility in scheduling. Platforms like Talkspace offer online therapy for teens at a lower cost than most traditional, in-person therapy. With or without insurance, Talkspace offers affordable and accessible mental health care so your teen can get the support they need.
Sources:
- How much does therapy cost? Thervo.com. Updated January 19, 2024. Accessed January 23, 2025. https://thervo.com/costs/how-much-does-therapy-cost
- Ramirez de Arellano MA, Lyman DR, Jobe-Shields L, et al. Trauma-focused cognitive-behavioral therapy for children and adolescents: Assessing the evidence. Psychiatr Serv. 2014;65(5):591-602. https://doi.org/10.1176/appi.ps.201300255
- Eligible health care FSA (HC FSA) expenses. FSAFeds.gov. Accessed January 23, 2025. https://www.fsafeds.gov/explore/hcfsa/expenses?q=therapy&take=100
- Mental health. InsureKidsNow.gov. Published 2025. Accessed January 23, 2025. https://www.insurekidsnow.gov/initiatives/mental-health
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