Takeaway: The cost of therapy in North Carolina can vary based on factors like the type of therapy service you’re looking for, how long you go to therapy, and more. Here, we’ll review these reasons in-depth and explore average rates so you can have a clearer picture of what to expect.
If you're considering starting therapy, you probably have a lot on your mind—especially if it's your first time. What will your therapist be like? What will sessions actually consist of? Will it help?
Chances are, you're also considering logistical factors like where you'll meet, how sessions will fit into your busy schedule, and, of course, how much it will cost. As a therapist, the cost of therapy is one of the main areas that prospective clients ask me about.
Unfortunately, the answer isn't always clear. There are many different factors that can influence the cost of therapy, and most mental health professionals set their own rates. The lack of information about therapist costs can often be a barrier to people even reaching out for help at all.
That's why I created this post. Here, I'll shed some light on the average price of a therapy session cost in different areas of North Carolina so you can make an informed decision about your mental health care. We'll also dive deeper into the "why" behind the cost and whether the investment may be worth it for you.
What's the average cost of a therapy session in North Carolina?
Therapy in North Carolina generally costs between $75-$250 per session
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Remember, this is an average range. You may end up paying more or less than this based on the factors that we'll explore in-depth later in this post.
To give you some more data to consider, I've compiled the average rates of 25 therapists in some of the major cities around North Carolina. Remember, rates can vary significantly, and these figures don't represent the rates of any one particular provider. They're averages, and they're meant to serve as information to help you get an idea of what to expect.
City in North Carolina | Average Cost per Therapy Session |
Charlotte | $139 |
Raleigh | $147 |
Greensboro | $145 |
Durham | $144 |
Winston-Salem | $143 |
Again, these rates are just averages. I always recommend reaching out directly to a provider to ask about their specific rates.
Paying for therapy
Getting the help you're looking for shouldn't depend on whether you can afford it. At the same time, I recognize that cost can have a significant influence on the care you choose (or whether you seek it out at all).
Here, we'll take a look at some of the main ways you can pay for therapy. Knowing your options can help you make an informed decision.
Insurance coverage
Before starting therapy, check your mental health benefits through your health insurance plan. Ask about both in-network benefits and out-of-network benefits, and make sure you understand your copayments, deductible requirements, and any limitations on the number of sessions.
Paying out-of-pocket
While this option may seem expensive initially, paying out of pocket offers unique benefits. You'll have greater freedom in choosing your therapist and maintain complete privacy from insurance companies. Plus, you won't need to get a potentially unnecessary diagnosis to get treatment.
Health savings account
Whether or not you choose to use insurance benefits, the funds in your flexible spending account can typically be used to cover psychotherapy services. An employer often sponsors these accounts, but some types of accounts can be opened independently.
Employee assistance programs (EAPs)
Some employers offer programs that include confidential mental health services. These programs typically offer a few complimentary therapy sessions and can be a good starting point for addressing mental health concerns or handling short-term challenges.
Community resources
Local community mental health centers often provide therapy services at reduced rates based on your income level. These organizations often accept different insurance plans, including Medicaid, and may offer a variety of programs and services.
University training clinics
If you live near a college or university with a counseling program, you may be able to reduced-cost services delivered by graduate students under professional supervision. Current university students may even qualify for free counseling through their school's health services.
Paying for therapy at SJT Therapy
I'm considered an out-of-network provider with insurance. This is a conscious choice I've made for my therapy practice, and there are several reasons why I encourage potential clients to consider working with an out-of-network provider. Here are a few reasons why.
P.S. I also offer a sliding scale to a select number of clients who qualify. Please contact me directly if you're interested in discussing this option.
Greater confidentiality
Using your insurance benefits requires me to disclose your sensitive personal information to your insurance provider. Many clients enjoy the anonymity that comes with paying for mental health treatment directly without getting their insurance company involved.
More autonomy with treatment
Many insurance companies set arbitrary limits around how long your therapy sessions can be, how long you can stay in treatment, and more. When we work independently, we can make sure that you get mental health care that's customized for your unique situation, not based on what your insurance provider approves of.
No unnecessary diagnoses
While diagnoses can have their place, I don't believe they should be necessary to get the support of a therapist. However, insurance requires a diagnosis for you to get mental health care. When you work with an out-of-network provider, you can go to therapy on your terms, whether or not you have a diagnosable mental illness.
Why does therapy cost so much?
Many people are surprised by the cost of therapy, especially during their first time seeking counseling services. Let's take a look at the behind-the-scenes of therapy costs so you can understand exactly what you're paying for and why.
Type of therapy
Different types of therapy require specific training and expertise. For example, eye movement desensitization and reprocessing therapy (EMDR) requires a significant investment of time and resources in order to become certified. Providers who offer this type of therapy may then charge more for their services.
Therapy format
Certain therapy services may cost more than others. Typically, couples counseling or family therapy costs more than individual therapy since there's a greater number of people attending the session. Intensive therapy sessions also cost more than traditional therapy sessions since they're longer and more in-depth.
Location
Therapy services, like other services, are subject to the concepts of supply and demand. They're also influenced by the cost of living. Therapy in large urban areas in North Carolina may cost more than services in remote locations.
Is therapy worth it?
It's hard to give a blanket answer to the question of whether therapy is worth it. However, I've seen firsthand that therapy is most often a worthwhile investment.
In my practice, I've helped countless clients improve their relationships, heal from trauma, learn how to cope with depression and anxiety, and build the lives of their dreams.
But you don't have to just take my word for it. Research has consistently shown that therapy is beneficial for several mental health conditions and life changes (grief, relationship challenges, and more).
Here's a quick look at how therapy may be able to help you.
Reduce anxiety symptoms. This meta-analysis found that cognitive-behavioral therapy (CBT) is effective in reducing symptoms of anxiety disorders, including generalized anxiety disorder, panic disorder, and more.
Reduce depression symptoms. This article explores how CBT can help people find relief from depression symptoms, like rumination (i.e. stewing on thoughts).
Improve intimacy. This study illustrates how emotionally-focused couples therapy (EFT) helps couples improve intimacy in their relationships.
Keep in mind that this isn't an exhaustive list. If you're considering therapy but not sure if it can help you, I invite you to reach out.
Final thoughts on the cost of counseling services in North Carolina
Therapy can both act as a refuge during life's difficult times and be a positive space for personal growth even if things aren't "that bad" right now. Though the cost of counseling sessions can be intimidating, it's important to consider the potential costs of not reaching out for help.
If you're ready to start your therapy journey, I'm here to help. Reach out today for a free, no-pressure consultation where we can discuss your situation and explore whether my services are right for you. I specialize in helping North Carolina adults, both individuals and those in relationships, navigate anxiety and depression, heal from trauma, and improve their relationships.
I look forward to hearing from you!
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