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Calcimator

Therapy Session Cost Calculator

Calculate therapy costs with insurance, copays, deductibles, and sliding scale options to plan mental health treatment expenses.

Inputs

$
sessions
$
$
%

Results

Cost Per Session

$150.00

≈ 10 movie tickets

Monthly Total

$600.00

≈ 7 nice dinners out

Annual Total (Out of Pocket)$7,200.00
Annual Total (With Insurance)$2,640.00
Annual Total (Sliding Scale)$4,320.00
How to Use This Calculator
  1. Enter the full session cost ($) and your planned sessions per month.
  2. Input your insurance copay ($) and annual deductible ($), then set Deductible Met (0 = not yet met, 1 = met).
  3. Enter your sliding scale rate (%) if your therapist offers a reduced fee.
  4. Review Cost Per Session, Monthly Total, and Annual Total (Out of Pocket) for budgeting.
  5. Compare out-of-pocket with and without insurance to choose the most cost-effective payment approach.

How the result changes with Session Cost

Session CostCost Per SessionMonthly Total
$50.00$50.00$200.00
$175.00$175.00$700.00
$325.00$325.00$1,300.00
$450.00$450.00$1,800.00

What each input means

Session Cost
Full cost of a single therapy session before insurance.
Sessions Per Month
Number of therapy sessions per month (weekly = 4, biweekly = 2).
Insurance Copay
Your copay amount per session after deductible is met.
Annual Deductible
Your annual insurance deductible amount.
Deductible Met
0 = No, 1 = Yes. Whether your annual deductible has already been met.
Sliding Scale Rate
Sliding scale percentage of full fee (e.g., 60 means you pay 60% of the full session cost).

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Session Cost = 150, Sessions Per Month = 4, Insurance Copay = 30, Annual Deductible = 1500 = 6 input(s) provided
  2. Calculate Cost Per Session
    Cost Per Session
    150 = $150
  3. Calculate Monthly Total
    Monthly Total
    600 = $600
  4. Calculate Annual Total
    Annual Total
    7200 = $7,200
  5. Calculate Annual Total
    Annual Total
    2640 = $2,640

Engine last updated .

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