Make behavioral health services more accessible with financing options that let qualified patients manage the cost of therapy, counseling, and other eligible treatment programs through convenient monthly payments.
Your practice gets access to the tools, application links, and resources needed to start offering patient financing.
Introduce financing during consultations, treatment planning, estimates, checkout, or follow-up.
Once an approved patient's financing is funded, your practice receives payment and the lender handles repayment.
Behavioral health financing gives your patients a comfortable way to pay for treatment over time, so cost is less likely to stand between them and the mental health care they need.
Mental health care is often paid out of pocket. Many practices are out of network, insurance parity is uneven, and treatments like TMS and ketamine therapy are frequently only partly covered or not covered at all. Someone who is ready to begin therapy, an evaluation, or a treatment series can still hesitate when they see the cost, or stop partway through because the out-of-pocket total is more than they can pay at once.
A way to pay over time changes that. When patients know they can spread the cost into monthly payments, more of them start care and stay with it long enough to benefit, which supports both patient outcomes and a steadier practice.
With behavioral health financing, patients can spread the cost into monthly payments while your practice is paid in full, upfront. You keep your fees, the lender handles repayment, and your patient can begin the treatment plan you recommend.
Get Paid Upfront
Your practice receives the full amount once the loan funds, so you can focus on care instead of chasing balances.
Lender Handles Repayment
The lender takes on billing, reminders, and collections, giving your team back time for patients.
Keep Your Fees
Offer a flexible way to pay without discounting care or writing off unpaid balances.
Key Takeaways
Behavioral health financing lets a patient pay for a treatment plan in monthly installments, while your practice is paid in full once the loan funds.
The patient applies, reviews the options they qualify for, and moves ahead if approved. Your practice receives the full amount when the loan funds, and the patient repays the lender over a term that fits their budget.
FigCare Pay connects behavioral health and mental health practices with a network of lenders that help patients finance therapy, psychiatric care, TMS, ketamine therapy, and outpatient programs. Because so much of this care is paid out of pocket, a clear way to pay is often what lets a patient begin treatment instead of putting it off.
| Stage | What Happens |
|---|---|
Step 1 Apply | The patient applies through your financing link and sees the monthly payment options they qualify for, privately and in minutes. |
Step 2 Choose an Offer | They compare the offers available to them and choose the term that fits their budget. |
Step 3 Begin Treatment | The loan funds, your practice is paid in full, and the patient begins the treatment plan. |
Offer monthly payments through a lender, so patients pay over time while you keep your full fee and skip the billing and collections.
When a patient hesitates at the cost of care, it is rarely because they doubt the treatment. More often, an out-of-pocket total for a series or program feels like too much at once. Discounting cuts into fees you have earned, and carrying a balance yourself asks your team to take on billing and collections. Financing keeps both off your plate: the patient pays over time, and the lender manages repayment.
Because much of behavioral health revenue is out of network or self-pay, that predictability helps you plan around clinicians, scheduling, and equipment with more confidence.
Patients most often finance therapy, psychiatric care, TMS, ketamine therapy, intensive outpatient programs, and psychological testing.
Financing fits the care patients pay for themselves, especially higher-cost series and programs, though eligibility for any specific service ultimately rests with the lender.
Therapy & Counseling
$100 – $250 per session
Individual, couples, and family therapy, often paid out of network or self-pay.
Psychiatry & Medication Management
$150 – $500
Evaluations and ongoing medication management with a prescriber.
TMS Therapy
$6,000 – $12,000
A multi-week course of transcranial magnetic stimulation, often only partly covered.
Ketamine & Spravato Therapy
$400 – $800 per session
Treatment series patients often pay for as a bundle over several weeks.
Intensive Outpatient & PHP
$3,000 – $10,000+
Structured outpatient and partial hospitalization programs billed as a plan.
Testing & Assessment
$1,000 – $3,500
Psychological, ADHD, and neuropsychological testing patients often self-pay.
Card ranges are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
There is no single national price, but a therapy session often runs a couple hundred dollars, while a TMS course or outpatient program can reach several thousand.
Behavioral health pricing varies by clinician, treatment type, and whether a patient uses insurance, an out-of-network benefit, or pays cash, and no authoritative body publishes a fixed price list. The typical ranges below reflect what patients commonly pay out of pocket. For patient-education context on conditions and treatments, practices can point to the National Institute of Mental Health.
| Service | Typical Range |
|---|---|
| Therapy or counseling session | $100 – $250 |
| Psychiatric evaluation / medication management | $150 – $500 |
| Ketamine or Spravato (per session) | $400 – $800 |
| Psychological testing and assessment | $1,000 – $3,500 |
| TMS full course | $6,000 – $12,000 |
| Intensive outpatient or PHP program | $3,000 – $10,000+ |
Ranges are illustrative of what patients commonly pay out of pocket and are not a cited national average. Actual fees vary by clinician, treatment, and coverage.
Present monthly payments together with the treatment plan, as a normal and private way to pay, and with care for how sensitive cost conversations can feel.
A simple, respectful sequence keeps the conversation comfortable for patients and staff alike.
Make financing visible before and during care, on your website, intake and portal, program pages, and at checkout.
Because many people quietly weigh whether they can afford care before they reach out, the earlier they know that paying over time is an option, the more likely they are to begin, so financing should read as a normal, supportive choice rather than a last resort.
Before Care Begins
During Care
Financing pays your practice in full upfront and hands repayment to the lender; in-house plans keep the balance, the collections, and the write-off risk on your team.
Behavioral health practices collect payment in several ways, and the real difference is how much time and risk each one puts on your team. Financing can also work alongside insurance, covering an out-of-network balance or the portion a plan does not.
| Payment Method | When You Get Paid | Who Manages Repayment | Admin Overhead | Best For |
|---|---|---|---|---|
| FigCare Pay Financing | In full, once the loan funds | The lender | Low | Programs, series, and higher-ticket care |
| Pay in Full | Right away | Not applicable | Low | Patients ready to pay upfront |
| Credit Card | After processing | Patient and card issuer | Low | Single sessions or small balances |
| Your Own Payment Plan | Over time | You | High | Short-term arrangements you manage yourself |
Consider a patient who needs an $8,000 TMS course. With your own plan spread across the treatment weeks, you deliver the care and then wait on the balance, and a late or failed payment becomes your team’s problem to chase. With financing, the patient borrows for the course, the loan funds, and you are paid in full while the lender handles repayment and sets the rate, term, and approval.
Figures are illustrative. Actual approval, amounts, rates, terms, and payments are set by the participating lender.
Give patients a flexible way to pay monthly while you keep your fees and hand the billing to the lender.
The patient applies directly, the lender sets the rate and term, and once the loan funds your practice is paid according to your agreement.
During the application, the patient may be asked for details about their identity, income, and credit, and the lender decides the offer, including the rate, any fees, and the term.
The process varies from one lender to the next, and some let patients preview their options before a full application. It helps to understand how a fixed-payment installment loan works so your team can answer basic questions and send the rest to the lender. Once everything is finalized and the loan funds, your practice is paid per your arrangement.
The loan is between the patient and the lender, so repayment issues follow the lender’s policies, while your own cancellation and refund terms cover the care.
If a Patient Misses a Payment
Missed payments fall under the lender’s policies. Keep clear records of your agreement and the care you have provided.
If a Treatment Plan Changes
Spell out how you handle a plan that ends early or changes. A change in care does not automatically change the patient’s loan, so communicate any difference clearly.
If a Patient Requests a Refund
Set your cancellation and refund terms before care begins, especially for prepaid programs. Any refund follows your agreement and the lender’s terms.
Keep your fees clear, protect patient privacy, present financing as one option among several, keep treatment claims within your evidence, and send every question about rates and terms to the lender.
Cost conversations in behavioral health should be handled with privacy and care, and marketing should describe treatments accurately without promising a specific outcome. Keep claims within your clinical evidence, follow privacy and professional-conduct rules, and frame financing as a way to pay, never as a promise of results. Professional and ethical standards from the American Psychiatric Association are a useful reference for accurate, ethical communication.
| Do This | Avoid This |
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If you are out of network or offer higher-cost programs like TMS, ketamine therapy, or IOP and regularly see patients delay or stop over cost, financing is likely a strong fit.
When a patient says some version of “I want this help, but I am not sure I can afford it right now,” a flexible way to pay keeps cost from ending the conversation and helps more of them begin and continue care.
Add monthly payment options to the intake and checkout you already run, keep your fees, and get paid in full once the loan funds.
FigCare Pay helps behavioral health and mental health practices build financing into their existing process, so cost is one less reason a patient delays or stops the care they need.
Ready to Add Financing to Your Practice?
Request information to see how quickly you can start offering monthly payment options.
Important: FigCare Pay is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. Cost figures are illustrative typical ranges and do not reflect any specific practice’s fees. This page is for general informational purposes only and is not legal, tax, credit, medical, or financial advice.
Healthcare providers often face the challenge of balancing patient affordability with business growth. FigCare Pay helps solve this challenge by creating flexible financing opportunities for both patients and practices.
Receive full payment within 1–2 business days of approval, no matter the patient's repayment term.
Practices consistently see more treatment plans accepted once monthly payment options are on the table.
Financing is non-recourse, so your practice isn’t responsible for patient repayment or defaults.
A real onboarding and support team helps your front desk get comfortable offering FigCarePay from day one.
Give patients more options to afford treatments without delaying necessary care.
Help more patients say yes to recommended procedures by reducing financial barriers.
Create opportunities for growth with financing solutions designed for healthcare businesses.
Work with a streamlined approach that makes exploring financing options easier.
Patient cost objections are the leading cause of abandoned consultations. Adjust the sliders below to see how offering flexible, point-of-sale financing lifts your case acceptance rate and accelerates annual cash flow.
Projected Annual Practice Growth
Based on a conservative +20% case acceptance lift when offering multi-lender patient payment plans at the point of care.
Projections illustrate potential revenue gains based on benchmark conversion improvements across medical and aesthetic practices. Actual acceptance rates, volume, and collections depend on patient demographics and individual credit tier underwriting.
The patient applies through the practice’s financing link, reviews the monthly payment offers they qualify for, and proceeds if approved. Once the loan funds, the practice receives the full amount and the lender manages repayment, so the patient can begin care.
In many cases patients can check their options with a soft credit inquiry that does not affect their credit score. A hard inquiry, which may affect the score, generally happens only if the patient moves forward with a specific offer. The exact process varies by lender.
The practice is typically paid in full once the loan funds and any funding requirements are completed, rather than collecting over months on an in-house plan. Exact timing depends on the lender and the financing product, so follow the funding steps your financing provider outlines.
Connect with FigCare Pay to discover how flexible financing options can help your patients and support your healthcare business growth.