How to Pay for Mental Health Therapy and Treatment for Young Adults in Dallas, Texas
Outpatient behavioral health treatment offers significant cost savings, especially when you ask questions about how to pay for treatment without insurance in Texas. BreakThrough by BasePoint specializes in day treatment programs for young adults utilizing highly skilled mental health clinicians in several locations around Dallas, including McKinney, Arlington, Frisco, and Forney.
Mental health treatment for young adults requires special attention to this transitional life stage between adolescence and adulthood when you face the challenge of moving from academic life to an early career while living independently and developing new relationships. We work with many insurance providers. Call us below so our admission specialist can identify your insurance company’s requirements so you receive your maximum benefits. We encourage you to BreakThrough by BasePoint if you’re concerned about paying for treatment. We will connect you with our financial counselor who can help identify financial assistance and offer a payment plan when you qualify.
BasePoint BreakThrough Accepts Insurance For Mental Health Treatment
Our free assessment with a licensed clinician will provide you with a recommendation for the appropriate level of care for young adults struggling with their mental health. We can also check your insurance coverage levels.
Call us today to schedule a same day assessment at (972) 325-2633 or fill out our inquiry form.
Breakthrough by BasePoint: Verify Insurance
What Is a Mental Health Treatment Center for Young Adults?
A mental health treatment center for young adults offers specialized therapy and counseling alongside medical support when you are struggling with a mental health disorder. These centers typically structure their programs to address mental health conditions like anxiety, depression, bipolar disorder, Obsessive Compulsive Disorder (OCD), and Post Traumatic Stress Disorder (PTSD).
Your treatment can include individual common group, and family therapy sessions alongside medication management, life skills training, and holistic therapies. The goal is to help you develop coping strategies and build resilience, which helps you transition into a healthier more independent life. BreakThrough by BasePoint offers outpatient mental health therapy for young adults, including varying levels of care based on your needs. Your program may include peer support and psychoeducation to help you integrate your mental wellness program into your daily life and increase the potential you achieve long-term goals.
What Is Private Insurance Coverage for Mental Health Therapy and Treatment?
Private insurance coverage for mental health treatment is a plan offered by a private company. Health insurance helps reduce the cost of mental health treatment, making it more budget-friendly and cost-effective. Health insurance providers are mandated by federal law to provide equal coverage for mental health treatment and medical and surgical care.
However, the level of coverage will vary by provider and plan and depend on factors like deductibles, co-payments, and in-network provider availability. Some plans require prior authorization or referrals to receive specific treatments. Some health insurance plans limit the length of your treatment or the type of treatment you can receive. When you call BreakThrough by BasePoint below, we’ll answer your questions about health insurance, verify your coverage, and discuss your mental health insurance options if you are uninsured, including Medicaid. They can also start the admission process.
How Much Does Mental Health Treatment and Therapy for Young Adults Cost in Dallas, Texas?
Mental health treatment costs for young adults in Dallas depend on several factors such as the type of therapy, the provider’s qualifications, and the setting. Young adult mental health treatment without insurance typically ranges from $100 to $300 per hour for an individual session. An intensive program such as an Intensive Outpatient Program (IOP) can cost significantly more.
These mental health programs include multiple sessions per day for multiple days per week. These costs can begin at $3,000 per month. A Partial Hospitalization Program (PHP) can range from $350 to $450 per day. Your provider may offer sliding scale therapy fees or help point you in the direction of financial assistance for therapy so you can receive the care you need.
Does Health Insurance Plans Cover and Pay For Mental Health Treatment For 18 to 35-Year-Olds in Dallas Fort Worth, Texas?
Yes, most health insurance providers in the Dallas-Fort Worth Metroplex offer coverage for mental health treatment for young adults and those aged 18 to 35. Two federal laws mandate that mental health services are covered equally with medical and surgical benefits. However, the coverage specifics on your plan depend on the insurance policy you purchased.
Insurance coverage increases mental health treatment affordability, typically providing financial support for mental health treatment. Major plans in Texas, including Aetna, Cigna, and United Healthcare, offer plans that include treatment for mental health conditions. To understand your policy details, call BreakThrough by BasePoint at 972-325-2633. Our admission specialist can verify your insurance coverage details, identify limitations in your policy, and help you receive the maximum allowable benefits in your plan. They can also offer a free assessment with treatment recommendations so you have the necessary information to make an informed treatment decision.
How to Get Private Insurance to Pay for Mental Health Treatment?
The best way to get your insurance plan to pay for mental health treatment is to understand the details. This includes your monthly premiums, annual deductibles, copayments, and coinsurance. Your insurance may limit care to in-network providers or may have prior authorization requirements. Even if the plan would pay for your therapy, prior authorization is required to receive benefits.
The admission specialist at BreakThrough by BasePoint can check your coverage for mental health treatment and verify the benefits and limitations that may influence your coverage. Affording mental health care can feel overwhelming, but insurance plans typically offer some coverage for treatment. Call us today at 972-325-2633 for more information about our treatment programs and to receive value-driven and cost-effective mental health treatment for young adults.
Is it Worth Paying for Mental Health Treatment if You Don’t Have Insurance Coverage?
Yes, paying for mental health treatment without insurance is worth the investment in you. Your mental health directly impacts your overall well-being, relationships, productivity, job performance, and daily functioning. Left untreated, mental health conditions can worsen over time and lead to increased stress, difficulty maintaining employment, and a higher risk of physical health issues.
Seeking professional care, even without health insurance, can prevent long-term consequences, improve quality of life, and reduce your long-term costs, making mental health treatment a value-driven and economical choice. There are affordable options to help reduce your financial burden, including receiving care from charitable organizations for mental health and considering mental health payment plans. Your community may also offer free mental health resources. Community clinics and local hospitals may also offer discounted therapy services.
How to Find a Mental Health Treatment Program for Young Adults Near Me?
There are several steps you can take to find a mental health treatment program for young adults in your local area. Start by searching online for local treatment centers and outpatient programs specializing in treating young adults. Therapy for individuals in this age group is tailored and different from therapy provided for children or older adults.
Websites like the Substance Abuse and Mental Health Services Administration have a provider treatment locator and Mental Health America offers directories to help you find providers in your area. Check with your insurance provider as they typically have a list of treatment centers and therapists in your local area who are in network with your insurance company. Typically, working with an in-network provider with your insurance plan is a more economical and wallet-friendly approach to receiving care.
Although the price of therapy doesn’t change, seeing an out-of-network provider typically increases your out-of-pocket expenses. Non-profit organizations, Community Mental Health Centers, and University counseling services may also offer affordable rates for mental health treatment. If you need specialized care, look for facilities that offer Intensive Outpatient Programs (IOPs) or Partial Hospitalization Programs (PHPs).
When you need immediate assistance, consider a 24/7 helpline such as the National Alliance on Mental Illness helpline or call BreakThrough by BasePoint at 972-325-2633 from 7:00 a.m. to 7:00 p.m. seven days each week. Our trained and highly skilled clinicians can offer immediate emotional support and guidance in finding mental health care with competitive pricing to reduce your immediate financial strain.
Our financial counselors can also work with you to find financial assistance or guide your search for grants and scholarships. We provide support and guidance for young adult mental health treatment without insurance or for young adults with insurance to ensure you receive the care you need to repair and restore your personal and professional life.
Accepted Insurances
How to Get Into Mental Health Treatment Without Insurance Coverage?
Paying for counseling without insurance can feel overwhelming. However, several payment options and funding sources make care more economical and financially accessible. In addition to the following suggestions, BreakThrough by BasePoint also offers flexible payment arrangements when you qualify and can help direct you toward financial assistance for therapy.
Finding affordable mental health care strategies is an important step when you are budget conscious. Whether using low-cost mental health services or seeking financial aid without insurance, there are several pathways to receiving professional mental health care. Consider the following ways to fund your treatment when you’re seeking mental health rehab without insurance.
Sliding Scale Fees: Talk to your therapist or counseling center about the option for sliding scale fees based on your income. This can help with covering therapy costs when your insurance company does not offer significant benefits for mental health or if you are uninsured. Sliding scale therapy fees can make treatment more economical and may be a part of negotiating therapy fees with your treatment center.
Payment Plans: Treatment centers and private therapists may also allow you to set up a payment plan to help pay for outpatient mental health therapy without insurance. Some treatment centers, like BreakThrough by BasePoint, will consider payment plans when your insurance coverage leaves you with overwhelming financial responsibilities. Payment plans help break down the cost into smaller, more manageable installments spread over time. This can make therapy more accessible and create a more manageable fee structure.
Loans: When you’re unable to pay upfront, a personal loan is an option. Some financial institutions offer medical loans specifically for health-related expenses and have lower interest rates. It’s important to compare loan terms and interest rates before committing to a financing option to ensure you are paying reasonable costs for the loan.
Crowdfunding: Crowdfunding for therapy uses platforms like GoFundMe to allow you to raise money for mental health treatment by sharing your story with friends, family, and a network of online supporters. While you may be hesitant to share your story and ask for help, we know that the cost of untreated mental health conditions can be far more, including job loss, damaged relationships, and interactions with the criminal justice system.
Grants and Scholarships: Several organizations and foundations provide grants and scholarships for mental health treatment. Some non-profit groups and government programs also offer financial assistance when you’re struggling with conditions like depression or post-traumatic stress disorder. You may also have community mental health resources that offer grants and scholarships that do not have to be paid back. Government mental health programs may have scholarships available for treatment or may offer low-cost pricing options for outpatient or inpatient treatment. Research your local and national funding opportunities to help reduce your out-of-pocket expenses.
Medical Credit Card: Consider a medical credit card like CareCredit designed to help you manage the cost of medical services, including mental health treatment. These cards typically offer promotional financing options to get the care you need while payments are spread at low interest rates. You must ensure that your provider accepts this form of payment. The process is straightforward, and you can use the card immediately to cover the cost of treatment.
Employee Assistance Programs (EAP): Employee Assistance programs (EAPs) include employer-provided mental health benefits that typically offer free and confidential mental health support. Many employers have EAPs to help their employees with stress, anxiety, depression, and other personal challenges. These programs can include short-term counseling sessions and referrals to mental health professionals with economic support. While programs typically cover a limited number of sessions, they can connect you with long-term resources and may provide financial assistance or discounted services for continued care.
Friends and Family: Asking for financial help from friends and family is a practical way to afford mental health treatment when other options are not available. Friends and family can help with mental health treatment funding, whether it is a gift or an interest-free loan. Loved ones may be willing to contribute through direct support or pooling their resources to help cover medications or other treatment program costs. Open and honest communication about your needs and the importance of treatment can encourage support and even small contributions from multiple people can significantly impact your financial strain.
Young Adult Mental Health Treatment in Texas That Offers Payment Plans for Programs
BreakThrough by BasePoint has several facilities surrounding Dallas and offers virtual care throughout Texas. Call us today at 972-325-2633 for information about our mental health treatment programs for young adults and to learn how to pay for mental health treatment so it’s more accessible and affordable.
BreakThrough by BasePoint – Arlington, Texas: 3900 Arlington Highlands Blvd, Suite 237B, Arlington, TX 76018, United States
BreakThrough by BasePoint – Forney, Texas: 713 W Broad St, Suite 100, Forney, TX 75126, United States
BreakThrough by BasePoint – McKinney, Texas: 4733 Medical Center Drive, McKinney, TX 75069, United States
BreakThrough by BasePoint – Frisco, Texas: 8275 Judges Way, Frisco, TX 75036 Suite 100F
What Are the Signs and Symptoms of Mental Health Disorders in Young Adults
The signs and symptoms of mental health disorders and young adults can vary depending on the diagnosis. There are some common symptoms, including a noticeable change in mood, behavior, and daily functioning. These common indicators may cause withdrawal from social activities, a decline in academic or work performance, or the development of unhealthy coping mechanisms.
Other physical symptoms that may trigger increased appetite, sleep disturbances, and fatigue. Recognizing these symptoms early is crucial for timely intervention and treatment. Other common signs and symptoms may include:
- Persistent sadness or hopelessness
- Excessive anxiety or irrational fears
- Mood swings or extreme emotional reactions
- Withdrawal from friends and family
- Difficulty concentrating or making decisions
- Changes in sleep patterns (insomnia or excessive sleeping)
- Loss of interest in previously enjoyed activities
- Sudden changes in weight or appetite
- Increased irritability or aggression
- Thoughts of self-harm or suicide
Are There Free Mental Health Treatment Options Available in Dallas, Texas?
Yes, you can find free mental health treatment options in Dallas, Texas, through various community resources. Organizations may offer behavioral health care, including counseling and psychiatric services regardless of your ability to pay. The Texas Health and Human Services Commission has programs to help manage mental health conditions, including immediate assistance from the Texas 211 helpline.
However, while you may find facilities that provide free care, private facilities typically have better service, shorter wait times, and better recovery rates. Free resources or helplines may offer immediate 24/7 support when you are in crisis, but private facilities typically produce better results and reduce your overall cost of mental health care in the long run.
- Of the 839,000 adults in Texas who didn't receive mental health care, 45.3% did not because of costs.
- Experts at the American Psychological Association call group therapy "power in numbers," calling it a more cost-effective alternative to individual therapy, which has been as effective as individual therapy for many people.
- In one study, 47% of people with a mood disorder said they needed mental health care but cited cost or not having health insurance as a reason for not getting help.
- Experts believe that PHPs are reasonable alternatives to inpatient care when certain factors are considered, such as symptoms, cost, and family interactions. PHP improves social role functioning, which suggests programs can fulfill different functions within the mental health care system.
- Significant medical cost savings are associated with outpatient behavioral health treatment, which suggests that promoting outpatient therapy can reduce overall medical spending.
- Slightly more than half of young adults (52%) say they typically feel anxious “often” or “always,” as do roughly four in ten (39%) adults between the ages of 30 and 49 years.