How Can I Find A Psychologist, Psychiatrist, or Therapist I Can Afford? Social workers with a masters degree (MSW), licensed clinical social workers (LCSWs), licensed marriage and family therapists (LMFTs), psychologists (four to six years of training and study to earn a doctoral degree such as a PhD or PsyD), and psychiatrists (medical doctors who attend medical school to earn an MD and specialize in psychiatry) can all administer psychotherapy but for the most part, only MDs and NPs (nurse practitioners) can prescribe medication to treat mental illness. The level of training is usually reflected in their fees and unfortunately—even if you have health insurance—many insurance companies do not cover the costs of therapy. When searching for a counselor it's easy to become discouraged by the choices, the costs, and unfortunately the lack of availability in some parts of the country. Out of pocket therapy typically costs anywhere from $100 to $200, with costs on the higher end in ur...
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