Therapy Cost Comparison Calculator
Enter your details below and instantly see how much therapy costs under six different payment methods.
Your Therapy Details
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EAP Benefit: Your 6 free EAP sessions save you $1,200. After EAP, your best option is in-network insurance.
Annual Cost Comparison
48 sessions per year at $200 per session
In-Network Insurance
$1,920
BestSliding Scale
$3,840
Out-of-Network + HSA/FSA
$4,399
Out-of-Network + Superbill
$5,640
Self-Pay + HSA/FSA
$7,488
Self-Pay (Full Price)
$9,600
Detailed Breakdown
Best Value
In-Network Insurance
Cost per session$40
Annual cost$1,920
Savings vs self-pay$7,680
Pros: Lowest cost, Simple billing
Cons: Limited therapist choice
Sliding Scale
Cost per session$80
Annual cost$3,840
Savings vs self-pay$5,760
Pros: Affordable, No insurance needed
Cons: Availability varies
Out-of-Network + HSA/FSA
Cost per session$92
Annual cost$4,399
Tax savings$1,241
Savings vs self-pay$5,201
Pros: Tax advantage + reimbursement
Cons: Need HSA/FSA account
Out-of-Network + Superbill
Cost per session$118
Annual cost$5,640
Reimbursement received$3,960
Savings vs self-pay$3,960
Pros: Wider therapist choice
Cons: Upfront costs, Paperwork
Self-Pay + HSA/FSA
Cost per session$156
Annual cost$7,488
Tax savings$2,112
Savings vs self-pay$2,112
Pros: Privacy + tax savings
Cons: Still relatively high cost
Self-Pay (Full Price)
Cost per session$200
Annual cost$9,600
Pros: Full privacy, No diagnosis needed
Cons: Highest cost
Your Best Strategy
Start with your 6 free EAP sessions (saving $1,200), then switch to in-network insurance for the remaining sessions at $1,920 per year.
Related Resources
This calculator is for educational and informational purposes only. It provides estimates based on the values you enter and does not constitute financial, insurance, or medical advice. Actual costs depend on your specific insurance plan, provider fees, and other factors. Always verify benefits directly with your insurance company and consult a qualified professional for personalized guidance.