11/18/2025 | Press release | Distributed by Public on 11/18/2025 20:53
Article at a glance
Therapy can decrease anxiety, stress, depression, and other mental health conditions . It improves the quality of life for many and even saves the lives of individuals who struggle with suicidal ideation. Yet finding a potential therapist and assessing if they're a good fit for your mental wellbeing, communication preferences, and insurance isn't always easy.
To help, we've gathered resources on different types of mental health providers, where to find a therapist, and how to determine if your insurance company will cover the costs. Accessing therapy can be challenging, but these tips will hopefully make it easier.
Different Types of Mental Health Providers
While we often use the term β"therapist" as a catchall term for mental health providers, there's actually more than one type. The different types of providers include:
Deciding which therapist is right for you can depend on cost, insurance coverage, and individual needs. For example, a marriage or family therapist is often best for problems related to close relationships, while the other types may be a better fit for individual talk therapy.
It's important to note that insurance will only cover therapy if your provider is a therapist licensed within your state. Also, only a psychiatrist or a mental health and psychiatric nurse practitioner can prescribe medication . If necessary, a therapist can provide a referral to one of these specialists.
Common Therapeutic Approaches
Individual therapists are trained in multiple therapeutic approaches, and they often choose the best ones based on an individual's needs, symptoms, and goals. Most of these modalities fall under the psychotherapy umbrella .
Psychotherapy, also called talk therapy, is when a therapist talks with an individual about their behaviors, emotions, and thoughts. They'll often suggest ways to adapt to your current situation, get rid of what's unhelpful with your current mindset, or suggest new behaviors and thought patterns in order to improve clients' mental well-being.
Psychotherapy has many subspecialties, and the American Psychological Association outlines the five most common :
Alongside talk therapy, some therapists may also utilize group therapy, which is where an individual discusses problems in a collaborative setting with others who suffer from a similar condition.
What To Do Before Starting the Search
Whether you're new to therapy or looking for a different therapist, the search often starts by clarifying what you're hoping to get out of the counseling process. This includes reflecting on:
You may also want to clarify how much time you have to spend on your mental health outside of sessions. To reinforce the skills, behaviors, and thought processes developed in sessions, a therapist often assigns β"homework" to clients, such as meditation, journaling on a specific issue, or boundary setting.
Knowing how much time you can spend outside of sessions, as well as what you aim to get out of therapy, helps you assess prospective therapists so you find one who best suits your needs.
Where to Find a Therapist
After writing down what you hope to get out of therapy and preferred traits in a mental health professional, it's time to research different options. Below are four potential places to find a good therapist.
1: Primary Care Provider
Doctors and other primary care providers regularly see patients who struggle with mental health. As a result, they often have a list of trusted therapists that they can provide to patients. Ask for referrals in your next wellness check-up, or call your primary care provider's office and ask if they have any recommendations they can send.
Additionally, some insurance providers require a referral from a primary care provider to cover therapy. An insurance policy should state if this is the case.
2: Friends and Family
Almost one in four Americans saw a therapist in the last year. This means someone in your social circles or family may be able to provide therapist recommendations. When asking a friend or family member for a referral, ask what exactly they liked about their therapist. Their response can help you decide if their mental health provider may be a good fit for your needs.
3: Health Insurance Provider
Insurance providers often have a list of in-network therapists, providers who accept insurance. In-network providers are often more affordable, making them cost-friendly options. To get a list of in-network providers, head to your insurance provider's website or call their customer service number.
Medicare Part B also covers providers who accept Medicare assignments. While their website doesn't have a directory of therapists who do, they list the different types of mental health providers they cover.
4: Online Resources
You can find many great online resources to help you find a therapist who specializes in your specific needs. Some directories even offer an online portal and/βor options to meet directly with that provider, either on their website or in person. Free online therapy directories to explore include:
Making The Decision
Once you find a few potential therapists, it's time to compare your options. When doing so, consider factors like cost, cultural backgrounds, and your comfort level with a provider. Follow the checklist below to compare the providers you've curated.
Check Insurance Benefits
All insurance providers must cover mental health services when deemed medically necessary. This is a federal law , though legislation doesn't detail how many sessions they must cover and how many providers have to be in-network. To learn these details, consult your insurance policy.
If you don't have insurance or insurance won't cover all therapy costs, consider low-cost therapy options. Some therapists offer sliding scale-based pricing, which is where they price their services according to a patient's income or financial aid. States also have some funding set aside to provide mental health services to those without insurance coverage, and the SAMHSA website has a search tool that can connect users to their state's agency.
Online vs In-Person Therapy
Another logistical concern is whether you prefer teletherapy or in-person therapy. Both are equally effective , and the right option comes down to personal preferences.
Online therapy might be right for:
In-person therapy may be a better option for:
Cultural Considerations
Someone's cultural background is an important part of who they are, and a suitable therapist will be sensitive to any cultural considerations, including someone's religious beliefs, race, ethnicity, identities, the way they were raised, their personal values, and more. A therapist doesn't necessarily have to be from the same culture as their patients, though this could be useful, but they should demonstrate some training and thoughtfulness toward their clients' cultures.
Comfort
Before choosing a therapist, make sure you feel comfortable talking to them, since therapy involves personal questions and conversations. To help clients assess a therapist's style, many therapists offer a free fifteen-minute call. During this call, you can ask about their approach and determine if you feel comfortable opening up to them.
Questions To Ask a Prospective Therapist
While free calls to learn about a therapist are useful for many clients, it can be confusing to know what to ask on these calls. To get a sense of a therapist's style and if you would develop a good relationship, these questions may be helpful:
That first call or reach out via email is also a chance to explain who you are and what you're looking for. Ideally, you should briefly:
Additional Mental Health Resources
While talk therapy can be a powerful tool for healing, it isn't the only way to improve mental well-being. Here are some additional resources to check, many of which can be used in tandem with therapy:
For immediate assistance, contact:
FAQ
What's the difference between a counselor and a therapist?
The terms counselor and therapist are often used interchangeably. Both are trained and licensed mental health providers who utilize talk therapy in order to help their clients address unhelpful thoughts, emotions, and behaviors.
How can I tell if I need a therapist?
Those who have experienced stress, hopelessness, sadness, or another negative emotion that interferes with their work and/or personal life in the last few months may benefit from therapy. If in doubt, bring up any mental health concerns with a primary care provider during your next wellness check. This provider can provide a second opinion, possibly recommending therapists who have helped other patients.
What is the best way to find a mental health therapist?
The best ways to find a mental health therapist are to ask your insurance company for in-network providers, to ask friends, family, or a primary care provider for recommendations, and to search online therapist directories. Ideally, you want to take your time with this research, compiling a list of options and scheduling introductory calls or emails to assess who is the best fit.