Mental Health

How to Find Free or Low-Cost Mental Health Care

Learn where to find free or low-cost mental health care, from community programs to telehealth, and what to do in a mental health crisis.

Mental health care can include therapy, medication management, crisis support, peer support, case management, substance-use treatment, and help with housing or social services. The best starting point depends on urgency, symptoms, insurance, income, age, location, and the type of help needed.

If there is immediate danger, call 911 or go to the nearest emergency department. If you or someone else is thinking about suicide, self-harm, or a mental health crisis, call or text 988 in the United States.

Start With the Type of Help You Need

Therapy, medication evaluation, community mental health services, and crisis care are different services. A clinic that offers counseling may not offer psychiatry, and a crisis program may not provide ongoing therapy.

Use Official Treatment Locators

SAMHSA's treatment locator can help find mental health and substance-use treatment services by location. Search results may include outpatient programs, community clinics, residential services, and telehealth options. Call the provider to confirm current services, cost, insurance, and availability.

Community Health Centers

Community health centers often provide primary care and may also offer behavioral-health services or referrals. They use sliding-fee discounts based on income and family size for eligible patients.

Ask whether the center offers counseling, medication management, psychiatry, substance-use treatment, case management, telehealth, same-day access, and sliding-fee discounts.

County or State Mental Health Agencies

Many counties and states operate or fund mental health services for residents with low income, no insurance, Medicaid, or serious mental illness.

Ask about intake appointments, crisis services, community mental health centers, eligibility rules, required documents, waitlists, transportation, and language access.

Medicaid and CHIP

Medicaid may cover mental health and substance-use services for eligible adults and children. CHIP may cover behavioral-health care for eligible children.

If you have Medicaid or CHIP, call the plan or state agency and ask for in-network behavioral-health providers accepting new patients.

Sliding-Scale Private Therapy

Some therapists reserve limited lower-fee appointments. Also check university training clinics, nonprofit counseling agencies, employee assistance programs, group therapy, telehealth providers, and faith-based counseling programs.

When to Use Crisis Care

Use crisis or emergency care for thoughts of suicide or self-harm, threats to harm someone else, severe confusion, psychosis causing danger, inability to care for basic needs, severe substance withdrawal, overdose, violence, or immediate safety risk.

Call or text 988 for crisis support in the United States. Call 911 for immediate danger or a medical emergency.

Sources

This article is for general information only and is not medical or mental-health advice. Availability, eligibility, costs, and services can change.

Ready to find care near you?

Search the directory by city, ZIP code, clinic name, address, or phone number.

Find Care