How to Pay for Therapy

Working out how to pay for therapy is part of the process of finding a therapist.

We know that paying for therapy can be an obstacle to investing in your mental health. As a team of queer folx, we’re working to improve access to culturally competent care. We want to ensure you find the best quality of care and also stay in care, by making the care affordable. 

There are a few important questions to consider to ensure you know your options and stay in care with your queer-competent provider: 

1. Does your health insurance plan cover queer-competent therapy?

Many employers and health insurance plans are recognizing the importance of mental healthcare. To confirm if your plan covers mental healthcare, it’s necessary to review the insurance nitty gritty. Or, call your insurance plan and ask them. 

Violet provides access to specialized queer-competent therapists who don’t accept insurance. It’s fairly common for specialized providers to not accept insurance since insurance will deflate their wages and add more red tape. That said, many health plans will reimburse out-of-network care. 

The Violet team can help you confirm your health plan’s reimbursement policies by contacting your plan for you. Share your insurance information with us here and we’ll be in touch once we’ve spoken with your insurance company. 

2. Can you use an HSA or FSA to pay for care?

Many employers offer a Health Savings Account (HSA) or Flexible Saving Account (FSA) as an employee benefit. These accounts both offer ways of paying for healthcare using tax-free funds. It’s also possible to set up an HSA or FSA independent from your employer if they don’t offer one. 

Treatment provided by a therapist is eligible for HSA or FSA reimbursement if the purpose of the treatment is for medical care. These accounts will not cover therapy for the general improvement of mental health. For this reason, couples’ counseling is not eligible for HSA or FSA coverage.

The team at Violet can help you navigate whether your care is eligible for payment with an HSA or FSA. If eligible we can also help to ensure you meet any specific criteria set out by your HSA or FSA provider. 

3. Can you access a sliding scale slot? 

Violet works with many providers that offer lower prices on a ‘sliding scale’ basis to give back to our community. If your annual household income is under $70,000, we can work with you to find a therapist that offers lower rates based on income. 

To learn more about booking a sliding scale slot, reach out to the Violet team. 

4. Have you considered other care options?

Going to therapy regularly and consistently is an important part of effective care. Therapists will often steer you towards weekly sessions. Many of our therapists will also offer sessions every other week, as long as it’s clinically appropriate. Talk to the Violet team to learn more about bi-weekly sessions. 

Violet also offers - pay what you can - group sessions which may be suitable for you. We run a group two times a month for Transgender and Gender Non-Conforming (TGNC) folx. We regularly assess our group offering, so please reach out if a group would be of interest, but you are not part of the TGNC community.

Navigating the various ways to pay for therapy can be daunting. If you’re interested in learning more about any of these options please reach out to the Violet team. We’re here to help you with every step of your healthcare journey. 

TLDR: If you’re unsure about how to pay for your queer-competent care with Violet, reach out to us at contact@joinviolet.com. There are many ways to pay for care, including insurance reimbursements, HSAs, FSA, and more that we can help you navigate.