Taking care of your mental health is just as important as your physical health. But therapy and related mental health services may come with higher costs if you don’t have insurance coverage.
If your health plan doesn’t include mental health care benefits, there are still ways to get support. Community programs, online services and other resources may help. Here’s what to know.
Ask about “sliding scale” fees
Sometimes you may know a mental health provider that you would like to see, but the cost is too high. If this is the case, start by asking the therapist or counselor if they offer a “sliding scale” fee.
A sliding scale means the cost is based on your income. Instead of charging the same rate for everyone, some providers lower their fees for people who qualify.
If the provider cannot lower their fee, they may be able to refer you to someone who offers lower-cost options.
Helplines and other free public resources
If you're not sure where to start with mental health care, public resources like helplines can be a good first step. These services are available at no cost and can connect you with support, information and next steps.
You don’t have to be in immediate danger to reach out. These services are free, confidential and available 24 hours a day, 7 days a week.1
Here are some options to know:1
- 988 Suicide & Crisis Lifeline offers confidential support by phone, text or chat for people in distress or crisis.
- Veterans Crisis Line connects veterans, service members and their families with trained responders.
- National Maternal Mental Health Hotline provides support for people who are pregnant or recently gave birth.
- Disaster Distress Helpline provides crisis counseling and support for people experiencing emotional distress related to a disaster.
Trusted crisis lines are available at no cost and will not ask for payment or financial information. If a hotline asks for money or banking details, that is a warning sign. It is safest to use well-known, government-supported resources like the ones listed above.
Low-cost and federally funded clinics
Federally Qualified Health Centers (FQHCs) provide care even if you don’t have insurance. You can search for a nearby center using the federal Find a Health Center tool.2
FQHCs often provide more than just mental health help. You can also get:
- General check-ups
- Vaccinations
- Help managing long-term conditions
Free clinics may also provide care at no cost or for a small fee.3 They’ll likely ask for your ID and proof of income when you visit. Some clinics take walk-in appointments, while others you need to schedule in advance.
University training clinics are another option. Graduate students or interns provide therapy under the supervision of a licensed professional often at a reduced rate.3
Telehealth services can help you connect with licensed mental health providers without leaving home. Explore subscription options to find care that fits your needs and schedule.
Local programs and support groups
Many communities offer no- or low-cost mental health programs. Local health departments and community mental health centers may provide counseling or connect you with trained social workers.3
Some nonprofit organizations host peer-led support groups. For example, the National Alliance on Mental Illness (NAMI) hosts NAMI Connection. This is a free, peer-led support group for adults living with mental health conditions.4 Meetings provide a safe and confidential space to:
- Share experiences
- Learn coping strategies
- Connect with others in similar situations
Groups may meet in person or online.
211 is a free, nationwide service designed to highlight local resources. When you dial 211 on a phone, you’ll be connected with trained specialists who can direct you to local programs.5 When you call, the specialist can:
- Identify low-cost counseling or therapy options
- Locate peer support groups in your area
- Provide information about other community resources
Calling 211 is confidential. It can be a helpful first step if you’re unsure where to start or want guidance on the programs that best fit your needs.
You don’t need traditional insurance to access professional mental health support. Learn how a mental health subscription can help you connect with licensed providers online.
Mental health subscription services
Mental health subscription services are not insurance, but they can help you access ongoing care for a set monthly fee. This can make costs more predictable.
Many services include:
- Virtual therapy sessions
- Messaging
- Access to online tools
Virtual visits can be convenient if you live far from clinics or have a busy schedule. To get the most from online therapy:
- Choose a quiet space
- Set aside enough time
- Track your goals
Subscription services can also complement care from clinics or community programs, giving you ongoing support between visits.
The bottom line: There are many programs and services designed to increase access to mental health help, even if you don’t have mental health coverage as part of your primary insurance plan.
You may need to explore more than one option to find what works best for you. By reaching out and learning about available resources, you can take an important step toward getting the support you need.
Have questions about what options are available in your area? Call 1-844-211-7730 to speak with a licensed insurance agent or browse plans online to find coverage that may fit your needs.
For informational purposes only. This information is compiled by UnitedHealthcare, and/or one of its affiliates, and does not diagnose problems or recommend specific treatment. Services and medical technologies referenced herein may not be covered under your plan. Please consult directly with your primary care physician if you need medical advice.
Sources
- Centers for Disease Control and Prevention. “Mental health resources.” June 4, 2025. Retrieved from https://www.cdc.gov/mental-health/caring/index.html
- Health Resources & Services Administration. “Find a health center.” Accessed February 26, 2026. Retrieved from https://findahealthcenter.hrsa.gov/
- Mental Health America. “Paying for care.” Accessed February 26, 2026. Retrieved from https://mhanational.org/resources/paying-for-care/
- National Alliance on Mental Illness. “NAMI connection.” Accessed February 26, 2026. Retrieved from https://www.nami.org/support-groups/nami-connection/
- 211.org. “Mental health.” Accessed February 26, 2026. Retrieved from https://www.211.org/get-help/mental-health
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