Self-directed therapy and well-being tactics are extremely useful, but they’re not the be-all and end-all in mental health. Face time with a licensed therapist is essential for those with severe conditions and symptoms.

The first thing you should do is check your insurance. Employer-provided insurance and Medicaid may cover screenings, psychotherapy and counseling. Your insurance coverage will depend on your state and your health plan, but many plans include mental health coverage for in-network therapists.

Your finances shouldn’t stop you from getting the help you need. It may take some research into therapists and programs, but there are low-cost options.

• Sliding scale payments: Some therapists offer sliding scale fees — you pay what you can afford. The cost will be based on your income. Not all therapists offer this, but many do.
• Low-cost or free services: Some therapists offer low-cost or free counseling for individual and group sessions. If you live near a college or university, the graduate department may offer free or discounted therapy sessions.
• Community health centers: Community mental health centers assist those in surrounding areas.
• Local and online support groups: Local organizations and volunteers in many areas offer support groups for things like grief and addiction. Use Mental Health America’s list of support groups to find one that best fits your needs. You can participate in a peer-led support group through the National Alliance of Mental Illness (NAMI).

Source: cnet.com