Affordable therapy refers to counseling services offered at reduced rates to make mental health care more accessible. At Horn Counseling, affordable therapy is available through our Reduced Cost Therapy Program, which allows clients to choose a session rate within an approved range based on their current financial situation. This helps remove cost as a barrier while maintaining high-quality, ethical care.

Reduced cost therapy rates at Horn Counseling vary by provider level:

• Intern therapists: $25–$65 per session
• Post-master’s (pre-licensed) therapists: $65–$95 per session
• Fully licensed therapists: $95–$125 per session

Clients select a rate within the range that feels sustainable for them. There is no income verification required.

Yes. Many clients in our Reduced Cost Therapy Program do not have insurance or choose not to use insurance. Affordable therapy at Horn Counseling is available whether or not you are insured, and you do not need to provide proof of coverage or lack of coverage.

Reduced cost therapy is available both in person in the Nashville area and via secure telehealth anywhere in Tennessee. Telehealth allows clients across the state to access affordable counseling without travel or location barriers.

Reduced cost therapy is provided by intern therapists, post-master’s pre-licensed therapists, and fully licensed therapists, depending on availability. Intern therapists are closely supervised by licensed clinicians at Horn Counseling and by faculty supervisors through their graduate programs at Trevecca or Lipscomb University.

Yes. Therapy with an intern therapist is not lower quality care. Intern therapists receive weekly supervision from licensed supervisors and additional oversight from university faculty. Clients benefit from the clinical insight and collaboration of multiple professionals supporting their care.

No. Horn Counseling’s Reduced Cost Therapy Program operates on an honor-based model. We do not require paystubs, tax returns, or financial documentation. Clients are trusted to choose a rate that reflects their current financial reality.

Yes. Clients may adjust their selected rate over time if their financial circumstances change. This flexibility is built into the program and can be discussed openly with your therapist.

No. Reduced cost therapy is for anyone who needs more affordable access to mental health care. This includes people without insurance, those with high deductibles or copays, individuals between jobs, students, early-career professionals, and anyone experiencing temporary financial strain.

Yes, there may be a waitlist depending on therapist availability. When providers are at capacity, clients can join the Reduced Cost Therapy waitlist and will be contacted as openings become available. Placement is based on therapist availability, not financial urgency ranking.

There is currently no fixed session limit for reduced cost therapy at Horn Counseling. Session length and frequency are determined collaboratively between you and your therapist, based on clinical needs and provider availability.

Yes. Reduced cost therapy follows the same confidentiality, ethical, and legal standards as all services at Horn Counseling. Supervision occurs within professional and ethical guidelines to protect client privacy.

To begin, you can join the Reduced Cost Therapy waitlist through our website. Once an opening is available, our team will reach out to help match you with an appropriate therapist and walk you through next steps.