Our nonprofit serves clients in financial need who are seeking affordable therapy. Open Path clients cannot afford market rates for therapy, lack adequate mental health insurance coverage, and have an annual household income below $100,000. We help our members access their choice of affordable in-person and online care from a vetted mental health professional.
If you’re seeking affordable psychotherapy because you’re uninsured, underinsured, or cannot afford to pay the full rate out of pocket, Open Path is for you.
We find that many clients are unclear about whether their health insurance provides affordable access to mental health care. If you find yourself in this position, we have a resource designed just for you.
If you’re planning to use your health insurance to access psychotherapy, or if you can afford current market rates out of pocket, we ask that you do not use this service. Open Path operates a sister site named Being Seen, which can connect you with a therapist who accepts insurance-based or full-fee clients.
Our Guide to Verifying your Mental Health Benefits.
If you are unsure about the mental health benefits of your health insurance plan, you will need to contact your insurance company. It will only take a few minutes to verify benefits. Call the member services number on the back of your insurance card. Verify the following information:
Mental health benefits associated with your plan
Amount of co-pay for therapy sessions (note: the copay is the amount you pay out of pocket for each session)
Limits (if any) on number of sessions that will be covered
Do you have to meet a deductible before your insurance will cover the therapy session?
If yes, what is the deductible amount? (note: a deductible is a specified amount of money that the insured must pay before an insurance company will pay a claim)
Once you have this information, it will help you to understand if you can afford to seek counseling while using your health insurance. If you find that your co-pay is greater than $70 and you can’t afford that amount, or that you have an extremely high annual deductible to meet before counseling is covered, you can consider using Open Path Psychotherapy Collective instead of your insurance.
If you can afford counseling through your health insurance, we ask that you do so rather than use Open Path’s service. Use our sister site Being Seen to find a therapist who accepts your insurance plan.
If you are in a life threatening situation, do not use this site. Call the Suicide and Crisis Lifeline, a free, 24-hour hotline, at 988. Your call will be routed to the crisis center near you. If your issue is an emergency, call 911 or go to your nearest emergency room.