Making therapy accessible

Financial Resources for Therapy

Cost should never be the reason you don't get support. These programs and tools exist specifically to help Black women and communities of color access quality mental health care.

You deserve care, regardless of your budget.

Therapy is an investment in yourself, and there are real programs designed to reduce or eliminate that financial barrier. Below you'll find voucher programs, sliding-scale funds, insurance-friendly tools, and financing options, each with a direct link so you can take the next step today.

If you're unsure whether any of these apply to your situation, feel free to reach out. I'm happy to help you navigate your options during a free consultation.

Voucher Program

The Loveland Foundation

The Loveland Foundation provides financial assistance to Black women and girls seeking therapy. Their voucher program covers a set number of sessions with a licensed therapist, making professional mental health care genuinely accessible.

  • Vouchers for Black women and girls
  • Covers multiple therapy sessions
  • Therapist directory included
Community Fund

NQTTCN Mental Health Fund

The National Queer and Trans Therapists of Color Network Mental Health Fund offers financial support for queer and trans people of color to access mental health care. Their fund prioritizes those with the greatest financial need.

  • For queer and trans people of color
  • Sliding-scale and subsidized sessions
  • Culturally affirming therapist network
Therapy Assistance

Black Girls Smile: Charlyne McFarland Therapy Assistance Program

Black Girls Smile's Charlyne McFarland Therapy Assistance Program provides financial support to Black girls and women who need help covering the cost of mental health services. The program honors the memory of Charlyne McFarland and her commitment to Black women's wellness.

  • Dedicated to Black girls and women
  • Covers therapy session costs
  • Application-based assistance
Free & Low-Cost Therapy

FreeBlackTherapy.org

FreeBlackTherapy.org connects Black individuals with free and low-cost mental health resources, including therapists who offer pro bono or reduced-rate sessions. The directory makes it easy to find culturally competent care that fits your budget.

  • Free and low-cost options
  • Culturally competent therapists
  • Searchable therapist directory
Insurance Reimbursement Tool

Mentaya

Mentaya helps clients use their out-of-network insurance benefits to get reimbursed for therapy sessions. If you have a PPO or out-of-network benefits, Mentaya handles the claims paperwork so you can focus on healing, not billing.

  • Check your out-of-network benefits instantly
  • Automatic insurance claim submission
  • Potential reimbursement of 40–80% of session cost
Healthcare Financing

CareCredit

CareCredit is a healthcare credit card that lets you pay for therapy and wellness services over time with flexible financing options. Many plans offer promotional periods with no interest, making it easier to budget for consistent care.

  • Flexible monthly payment plans
  • Promotional no-interest periods available
  • Accepted by many healthcare providers

Not sure where to start?

Schedule a free 15-minute consultation and I'll help you figure out which resources make the most sense for your situation.

Embracing Life
Counseling Services

"Healing that honors you."

Practice Info

Licensed in Louisiana & Georgia
100% Virtual & Telehealth Only
Specializing in Black Women's Mental Health
Flexible Scheduling Available
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