Paying for Mental Health Treatment
Understand your options for covering the costs of mental health care, from insurance to financial assistance programs.
Understanding Treatment Costs
Mental health treatment costs vary widely based on the type of care, location, and provider. Here's what you can expect to pay for different services in India.
Initial Consultation
First appointment with psychiatrist or psychologist
Individual Therapy
Per session (45-60 minutes)
Group Therapy
Per session (60-90 minutes)
Medication Management
Monthly psychiatric consultation
Intensive Outpatient
Per month (multiple sessions weekly)
Residential Treatment
Per month (24/7 care and treatment)
Insurance Coverage Options
HDFC ERGO
Mental Health Plus
Covered Services:
- Inpatient care
- Outpatient therapy
- Medication coverage
- Crisis intervention
ICICI Lombard
Complete Health
Covered Services:
- Individual therapy
- Group sessions
- Psychiatric consultation
- Emergency services
Star Health
Comprehensive Care
Covered Services:
- Therapy sessions
- Medication management
- Family counseling
- Rehabilitation
Insurance Tips
- Check if your plan covers mental health services (most are required to by law)
- Understand your deductible and copayment requirements
- Verify that your chosen provider is in-network
- Get pre-authorization if required by your plan
- Keep detailed records of all treatments and payments
Financial Assistance Programs
Sliding Scale Fees
Many centers offer reduced rates based on your income and ability to pay
Employee Assistance Programs (EAP)
Free counseling sessions through your employer's benefits program
Government Schemes
Ayushman Bharat and state-specific mental health programs
NGO and Charity Programs
Free or low-cost services from non-profit organizations
Payment Plans and Options
Flexible Payment Options
- Monthly payment plans with 0% interest
- Session packages with discounted rates
- Family therapy bundles
- Student and senior citizen discounts
- Corporate wellness program rates
Questions to Ask Providers
- Q:Do you offer sliding scale fees?
- Q:What payment methods do you accept?
- Q:Can I set up a payment plan?
- Q:Do you provide superbills for insurance?
- Q:Are there any additional fees I should know about?
Check Your Coverage
Find centers that accept your insurance and understand your benefits.
Get Help with Costs
Speak with our financial advocates about assistance programs.
Important Reminder
Don't let cost be a barrier to getting the help you need. Many providers offer flexible payment options, and there are numerous assistance programs available. Reach out to discuss your situation - most mental health professionals want to help you find a way to afford treatment.