(Closed) So sad. We can’t afford marriage counseling. Insurance doesn’t cover :(

posted 8 years ago in Relationships
Post # 3
1220 posts
Bumble bee
  • Wedding: November 2009

What about church offered counciling?

Post # 4
11325 posts
Sugar Beekeeper
  • Wedding: February 2011

Are you religious at all? Most priests and rabbis are trained in family and marriage counseling and if you belong to the church they generally do it for free. 

Post # 5
3176 posts
Sugar bee
  • Wedding: May 2011

Are either of you religious? I know it might not seem like a great option but I know at FH’s church they provide free marriage “assistance”. Its done by a licensed marriage therapist. Is that an option you could look into?

Post # 6
1556 posts
Bumble bee
  • Wedding: June 2010

Many counties have some kind of mental health board that will refer you to a provider that charges fees on a sliding scale.  Depending on your income, you may pay nothing at all or $10, $20, or maybe $50 per session.

Post # 7
979 posts
Busy bee
  • Wedding: July 2011

If you know you need it, then its worth the $120 out of pocket.  Its cheaper than divorce or misery.  Maybe you could try a church pastor.

Post # 9
322 posts
Helper bee

Does your insurance cover individual counseling? I know you said it covers mental disorders but what about if just you needed to talk to someone? Woudl they pay for that? I’ve been seeing a counselor for 2 years and she has let me bring my SO with me for no different charge so I don’t even think the insurance company would know that she was doing couples counseling for us, I’m not sure. Basically I’m saying, would it work if you started seeing someone individually and then started bringing Darling Husband with you?

Post # 10
3709 posts
Sugar bee
  • Wedding: May 2011

I am going to suggest the YMCA. I know that our YMCA’s have some type of religious couselor affiliated with it and you can schedule time with them. I am pretty sure it’s free although I am not certain. Try your local YMCA and see what the have to offer. Recognizing that you need help is a great first step.

Post # 11
13099 posts
Honey Beekeeper
  • Wedding: July 2010

Honestly – I think you guys should just pay the $120 out of pocket.  That is WAY cheaper than a divorce would cost you and if you guys both agree that you need marriage counseling, then that $120 will be worth every penny!

And truely – it doesn’t sound like you guys can’t afford it – just that you don’t want to pay for it.  Big difference.  If you guys need this to help your marriage, setting aside the money to pay for it should be a no-brainer.

Post # 12
893 posts
Busy bee
  • Wedding: September 2011

Look around for local counseling centers that offer a sliding-fee scale based on your income. My SO and I make pretty good money, but still qualified for a discount.

Contact a local therapist or counseling center, and see if they can recommend a location that does this.

We pay $68 for our weekly sessions. It is still costly, but well worth it. Neither of our insurances covered counseling like this either.

Post # 13
2090 posts
Buzzing bee
  • Wedding: August 2010

I know $120 isn’t chump change, but sometimes you need to factor in the cost of your emotional needs too – and not just straight black and white financials. If spending $120 would help resolve your problems, making both of your happier and healthier as both individuals and a couple, wouldn’t it be well worth it to spend the money? Have you posed it to your husband that way?

Post # 14
1057 posts
Bumble bee
  • Wedding: December 2010

Your officiant should have you doing precanta classes regardless. 

Post # 16
1991 posts
Buzzing bee
  • Wedding: October 2011

If you’re already married, I’m not sure what can be done besides paying out of pocket.

The topic ‘So sad. We can’t afford marriage counseling. Insurance doesn’t cover :(’ is closed to new replies.

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