How to Get Mental Health Help Without Insurance |

nearly 29 million citizens live without health insurance, a number that increased by more than 2 million between 2017 and 2020. millions more may have lost their employer coverage as a result of the covid-19 pandemic , which resulted in the closure of many companies. For people with mental health problems, it can sometimes be difficult to get the help they need without insurance coverage.

Find out how to get mental health help without insurance.

Reading: How to get help for mental illness without insurance

cost of mental health services

the cost of mental health services is not dramatically lower than the cost of other professional medical care, and many of the medications people use to manage their mental health are priced above the national average .

On top of these higher-than-usual costs, mental health treatment is likely to be long-term, which can further increase costs. Managing uninsured spending can be extremely difficult, especially for those whose mental health issues reduce their ability to work. Fortunately, there are resources to help get mental health help without insurance.

if you don’t have health insurance

If you live without health insurance, you know how worrying it can be to need medical or mental health care. inpatient care in a hospital, nursing home, or residential treatment center can cost more than $1,000 per day for many conditions, with many additional costs for outpatient follow-up care, medications, and transportation to and from necessary office visits .

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Paying a substantial fraction of these out-of-pocket costs on your own is out of reach for most Americans, and well beyond the ability to pay for most uninsured.

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mental health in the united states

Mental health conditions are not rare in the United States, nor are they limited to any subset of the population. In 2017, almost 20% of the us. uu. adults reported experiencing some symptoms of clinical mental illness. these numbers skyrocketed in 2020, during the covid-19 pandemic. in that year, the number of adults receiving a mental health evaluation for anxiety and depression increased by 93% from the already high 2019 numbers.

An alarmingly large number of people with mental health problems have little or no insurance. Nationally, nearly 11% of adults with some type of mental health disorder do not have any type of insurance. That equates to more than 5 million Americans who need to find some way to pay for expensive mental health treatment without insurance, sometimes without much cash on hand.

living with mental health problems

Tens of millions of people have unmet mental health needs. while many conditions are relatively mild and manageable, many others are life-disrupting and can be very serious. depression, anxiety, and schizophrenia are major factors in suicide, as are drug and alcohol addiction disorders.

If left untreated, many people with mental health problems fall behind in their work, home, and family lives, in their self-care routines, and may even become a threat to themselves or others.


Untreated mental illness is a common problem among people admitted to hospital emergency rooms, involuntary substance abuse treatment, and jail.

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If you have the symptoms of a mental illness or if you have been diagnosed with a mental health disorder, it is important for you and those who care for you to get the help you need to live a safe and productive life. life.

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how to get mental health help without insurance

Fortunately, help for mental health without insurance exists, though it can be hard to find in some areas of the country. If you think you might be having a mental health crisis, especially if you have thoughts about hurting yourself or others, immediately call the National Substance Abuse and Mental Health Assistance (SAMHSA) Helpline at 1 -800-662-help (4357). This resource is free, confidential, and staffed by professional volunteers who can talk through a crisis and connect you with nearby resources that can help.

If your need for mental health services is less serious than an emergency, you can try applying for Medicaid to get the help you need. It is often the case that people without health insurance simply cannot afford a policy on the private market. If your income and assets meet state maximum limits, you may be eligible for free or low-cost health care that includes the mental health services you need. You can apply for Medicaid through your local human services office online, by phone, or in person with an appointment.

uninsured mental health resources

Many of the resources available for uninsured mental health care are local and hard to find. Please note that in a crisis, all licensed medical providers must provide emergency care, although the cost may be high.

Student Health Centers operate on all federally funded college campuses and offer free referrals for mental health help to students. Teaching hospitals also often have teaching programs for students studying to become mental health providers that may provide free or heavily discounted evaluations and limited care to the uninsured.

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The National Alliance on Mental Illness operates a free helpline for people who need mental health help without insurance. You can contact Nami online at or by phone at 1-800-950-6264. You can also text the word “nami” to 741741 from a smartphone.

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