How to compare the cost of mental health care
Questions to ask about in-network, out-of-network and self-pay options so you can choose care that fits your budget.
Earl Johns, MSN, PMHNP-BC
Board-certified psychiatric nurse practitioner and founder of Wellthy Psychiatry & Wellness
✓ Medically reviewed by Earl Johns, MSN, PMHNP-BC
Comparing mental health costs can feel confusing. A few key questions make it much easier to see the full picture.
In-network care
Ask about your copay or coinsurance, your deductible and how many visits are covered. Call the number on your insurance card and ask specifically about outpatient mental health.
Out-of-network benefits
If you have a PPO, you may be reimbursed for part of the cost with a superbill. Ask your plan about your out-of-network deductible and reimbursement rate.
Self-pay
Self-pay can offer more flexibility and privacy. Ask for a Good Faith Estimate and check whether you can use an HSA or FSA.
Look at value, not just price
Consider visit length, availability, specialty and fit. The right provider can save time, money and frustration in the long run.
A gentle next step
A free 15-minute phone consult is an easy way to see if Wellthy Psychiatry feels like the right fit for you.
This article is for general education and isn’t medical advice. If you’re in crisis, call or text 988, the Suicide & Crisis Lifeline, or call 911.
About the author
Earl Johns, MSN, PMHNP-BC
Board-certified psychiatric nurse practitioner · UCSF-trained · Founder of Wellthy Psychiatry & Wellness
Earl provides LGBTQ+ and neurodivergent-affirming psychiatric care, blending medication management, therapy and whole-person approaches. He sees clients in San Francisco and by telehealth across California.
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