Mental Health Parity Law: What Your Insurance Must Do
The mental health parity law limits how plans can treat therapy benefits compared with medical care. See what MHPAEA requires, who is exempt, and how to appeal.
Home
Paying for therapy
In-network and out-of-network care, parity law, Medicare, Medicaid and CHIP, Good Faith Estimates, and lower-cost options such as community clinics and health centers.
Low-Cost and Free Therapy Options in the US
Find free or low-cost therapy in the US: community clinics, health centers, training clinics, EAPs, VA care, sliding scales and what to ask before booking.
Paying for Therapy Yourself: Estimates and Tax Rules
Paying for therapy without insurance? Learn how Good Faith Estimates work, when therapy is tax deductible, and how to use HSA or FSA money for sessions.
In-Network vs Out-of-Network Therapy and Superbills
How in-network and out-of-network therapy differ, what a superbill is, how to file your own claim, and what to ask your plan before you start.
Does Medicare Cover Therapy? What Part B Pays For
Medicare Part B covers outpatient therapy from many licensed professionals. See the 2026 deductible, the 20% share, assignment rules and telehealth details.
Medicaid and CHIP Mental Health Coverage: The Basics
Learn how Medicaid and CHIP cover mental health therapy, what EPSDT means for children, how to find a Medicaid therapist, and what to check before booking.
How to Pay for Therapy in the US
How therapy gets paid for in the US: insurance, Medicare, Medicaid, self-pay, sliding scales and public clinics, plus the terms and questions that matter.