Counseling is often a safe place where an individual or couple can discuss their issues in a non-judgmental and positive environment. It is also a way for many people to learn new ways of coping with problems or learning a new perspective to help them face the difficulties of life. However, even with insurance, counseling can be costly and some may feel that counseling, however badly needed, is more than they can afford. Thankfully, there are many ways that those in need can finance their counseling sessions.

Sliding Scale Fees

Known as a sliding scale, some state and federally funded therapy clinics determine the cost of the counseling session based upon your income. This means that, rather than having to pay the full fee if you have a lesser income, the fee will be lower and based on a percentage of your income, making the sessions far more affordable for those with lower income levels.

Some private clinics may offer this as well, and you can usually call private, state or federally funded clinics and ask if they use a sliding scale. If they do, they can typically tell you how much your fees will be based on your income and you can then determine if you can fit counseling into your budget.

Medical Credit Cards

There are several types of credit cards used specifically for medical costs. Unlike a regular credit card that can be used for anything, medical credit cards are only for medical costs and out of pocket expenses. These can be used for those without insurance to cover the entire cost of counseling, or they can be used to cover any co-pays that insurance does not cover.

You have to apply for these medical credit cards just as you would a regular credit card, but if you are approved, you will be able to get the medical help you need and make only a small monthly payment.

When looking over your options for these types of credit cards, make sure the clinic where you will be receiving treatment will accept them, and always compare the interest rates to get the lowest possible rate.

No one should have to go without badly needed counseling – sometimes it can save a marriage and sometimes it can vastly improve the quality of an individual's life. You don't have to give up on counseling just because you are on a tight budget – look into your other payment options instead! For more information, contact a facility such as Park Center Inc.

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