Mental Health Options for Low-Income Individuals: A Comprehensive Guide
Mental health is important for everyone, regardless of income level - and especially for those in poverty. However, accessing mental health services is an additional challenge for those on a strict budget. That said, there are several options available for low-income individuals who need mental health support. Today we’re going over mental health options available for:
Those covered by Medicaid
Those without insurance
Those looking for affordable therapy options
Those looking for additional free, but powerful resources
Mental health options for those on Medicaid
If you are low-income and have limited resources, you may qualify for Medicaid, a government-funded health insurance program that provides coverage for a variety of medical services, including mental health care. Medicaid coverage for mental health services varies depending on the state, but generally includes:
Outpatient mental health services: This includes therapy and counseling services, as well as psychiatric evaluations and medication management.
Inpatient mental health services: This includes hospitalization for acute mental health conditions.
Substance abuse treatment: This includes outpatient and inpatient services for individuals with substance use disorders.
Mental health case management: This includes assistance with accessing and coordinating mental health services.
If you are covered by Medicaid and have a mental health condition, it is important to check with your state's Medicaid program to see what specific services are covered and how to access them. You can also speak with your primary care provider or mental health provider for guidance on accessing mental health services through Medicaid.
You can start by googling “Medicaid mental health care” and “[your state]” for more information and there should be a contact number if you need someone to walk you through the information!
Mental health options for those without insurance
If you don't have insurance, accessing mental health services can be challenging. However, there are options available for those without insurance, including:
Community mental health centers (CMHCs): These are nonprofit organizations that provide low-cost or free mental health services to those in need. CMHCs may offer a variety of services, including therapy, medication management, and case management. These centers are typically funded by the government and offer a range of mental health services on a sliding fee scale or for free. You can find a center near you by using the Substance Abuse and Mental Health Services Administration (SAMHSA) Treatment Locator, which can be accessed online or by calling their hotline at 1-800-662-HELP (4357).
Local nonprofits or religious organizations: Some local organizations may offer free or low-cost mental health services to community members. These services may include therapy or support groups. Some organizations that may be helpful to contact include the National Alliance on Mental Illness (NAMI), Mental Health America, and the Depression and Bipolar Support Alliance (DBSA). You can also try searching for “mental health organizations” including your location to find more information.
Affordable Care Act (ACA): If you don't have insurance, you may be eligible for coverage under the ACA. Depending on your income level, you may qualify for subsidies that can make insurance more affordable. To find more information on the ACA and how to enroll in a health insurance plan, you can visit the Healthcare.gov website.
Affordable therapy options
Therapy can be expensive, but there are options available for those on a tight budget. Some affordable therapy options include:
Sliding scale therapy: Many therapists offer sliding scale therapy, which adjusts the cost of therapy based on your income level. This can make therapy more affordable for those who can't afford to pay full price.
Online therapy: Online therapy can be more affordable than in-person therapy. Some online therapy providers offer lower-cost options for those who can't afford full-price therapy. There are many online therapy services available that offer affordable or free mental health support. Some examples include BetterHelp, Talkspace, and 7 Cups.
There are several places where someone can look for a therapist online. One popular option is Psychology Today, an online directory of therapists, psychologists, and psychiatrists. Open Path Psychotherapy Collective is a nonprofit organization that offers low-cost therapy sessions with licensed therapists. BetterHelp and Talkspace are online therapy platforms that connect users with licensed therapists via video, phone, or chat. Amwell is a telemedicine platform that offers online therapy sessions with licensed therapists via video, and insurance may be accepted.
When searching for a therapist online, it's important to choose a licensed and experienced provider who is knowledgeable about your specific mental health concerns. Additionally, it's important to check with your insurance provider to see if they cover teletherapy.
free resources for those lacking access to Therapy
In addition to the options listed above, there are a variety of free resources available for those who lack access to traditional mental health services. Some of these resources include:
Mental health apps: There are a variety of mental health apps available that can provide free or low-cost mental health support. These apps may include guided meditations, coping skills exercises, or educational resources. Some examples include Moodfit, Headspace, and Pacifica.
Crisis hotlines: If you are experiencing a mental health crisis, there are crisis hotlines available that can provide immediate support. These hotlines are staffed by trained professionals who can provide guidance and support when you need it most. Crisis hotlines provide free, confidential support for people experiencing a mental health crisis. Some examples of crisis hotlines include the National Suicide Prevention Lifeline (988), the Crisis Text Line (text HOME to 741741), and the Veterans Crisis Line (1-800-273-8255, press 1).
Self-help resources: There are a variety of self-help resources available, including books, websites, and support groups. These resources may provide helpful information or guidance for managing mental health conditions. Some examples include HelpGuide, Mental Health America, and the National Institute of Mental Health (NIMH).
Online Support Communities: Online support communities can provide a sense of connection and support for people with mental health struggles. Some examples include our PYE community group, Psych Central, 7 Cups, and HealthUnlocked.
Local Support Groups: Many organizations offer free in-person support groups, including the Depression and Bipolar Support Alliance (DBSA), the National Alliance on Mental Illness (NAMI), and the Anxiety and Depression Association of America (ADAA).
Final Thoughts
Seeking help is an important step towards improving your mental health, and there are an abundance of resources available to help you, even if you’re struggling to afford therapy directly. We’re still a growing project (3/27/23), but we have a therapy waitlist you can sign up for if you’re unable to afford therapy right now! Don’t feel guilty for needing help; we all need it sometimes.
