Therapy Cost Calculator & Ontario Rate Guide
Find out how much therapy costs in Ontario. Use our free therapy cost calculator to estimate average therapy rates, compare provider types, and understand insurance coverage for registered social workers and psychotherapists in Thornhill, Ontario.
Calculate your therapy investment for child, teen & family therapy
Registered Social Worker & Registered Psychotherapist Services
At Young Sprouts Therapy, our team of registered social workers (RSW) and registered psychotherapists (RP) provide child therapy, teen therapy, and family therapy services. Our standard rate is $185 per 50-minute session.
Default: $185 (Young Sprouts rate)
Typically 70-100%
Check your policy
Your Therapy Investment Breakdown
Your Annual Therapy Budget Breakdown
Your insurance covers approximately 2.3 months of therapy at your selected frequency.
Insurance Coverage Insight: Your insurance cap will cover approximately 9 fully reimbursed therapy sessions before you pay out of pocket for child therapy, teen therapy, or family therapy services.
Therapy Costs in Ontario: A Comparison
| Professional Title | Average Cost (Per Session) | What They Do | Insurance Coverage |
|---|---|---|---|
| Psychologist | $225 - $300+ | Talk therapy, diagnosis & formal assessments | High (referral often needed) |
| Registered Social Worker / Psychotherapist | $150 - $210 | Talk therapy, CBT, play therapy, family therapy, trauma-focused approaches | High (Most standard plans) |
| Therapy Intern | $50 - $80 | Supervised sessions | Varies |
| Online-Only Apps | $100 - $130 CAD | Text/Video subscription | Varies |
Psychologist
Registered Social Worker / Psychotherapist
Therapy Intern
Online-Only Apps
Average Therapy Rates in Ontario: What Your Investment Covers
One-on-one child therapy, teen therapy, or family therapy sessions with registered social workers and registered psychotherapists, focused on your family's unique needs and therapeutic goals.
Personalized treatment planning, research, and evidence-based therapy strategies tailored to support your child, teen, or family's growth between therapy sessions.
Ongoing clinical supervision, continuing education, and professional development to ensure your family receives the highest quality therapy care from registered professionals.
Does My Insurance Cover Therapy?
Understanding Therapy Costs, Insurance, and Payment Options
Accepted Payment Methods for Therapy Services
At Young Sprouts Therapy, we accept multiple payment methods to make therapy accessible for families in Vaughan and Thornhill. We accept credit cards and e-transfers for child therapy, teen therapy, and family therapy sessions.
- Credit cards (Visa, Mastercard, American Express)
- E-transfers
How Insurance Reimbursement Works for Therapy
Most private insurance plans cover registered social workers (RSW) and registered psychotherapists (RP) for child therapy and family therapy. After each session, we provide you with a detailed receipt that you can submit to your insurance company for reimbursement.
Typical Process: Pay the full session fee ($185), receive your receipt, submit to insurance, and get reimbursed based on your coverage percentage (usually 70-100%).
Financial Assistance and Payment Plans
We understand that therapy costs can be a concern for families. While we don't offer sliding scale fees, we're committed to working with families to find payment solutions that work for your budget.
If you're experiencing financial hardship, please discuss payment plan options with our team during your initial consultation. We believe that quality child therapy and family therapy should be accessible to all families who need support.
Ontario Autism Program (OAP) Funding
Many of our therapy services are covered by OAP (Ontario Autism Program) funding. If your child is registered with the OAP, you may be able to use your OAP funding to cover child therapy, teen therapy, and family therapy services at Young Sprouts Therapy.
How It Works: OAP funding can be used to pay for registered social worker and registered psychotherapist services. We provide detailed receipts and documentation to support your OAP funding claims. Contact us to learn more about how we can help you access OAP funding for your child's therapy needs.
Therapy Duration and Long-Term Value
The length of child therapy or family therapy varies based on your family's unique needs. Some families see meaningful progress in 8-12 sessions, while others benefit from longer-term support.
Remember: Investing in your family's mental health and wellness provides long-term value. Early intervention through child therapy or family therapy can prevent more significant challenges later and support your family's overall well-being.
Understanding Your Insurance Coverage for Therapy
Common Insurance Coverage: Most workplace benefits and private insurance plans cover registered social workers and registered psychotherapists. Coverage typically ranges from 70-100% of session costs, up to an annual maximum (often $500-$2000 per year).
What to Check: Review your insurance policy to confirm coverage for "Registered Social Worker" or "Registered Psychotherapist" services, your coverage percentage, and your annual maximum benefit.
Direct Billing: While we don't offer direct billing to insurance companies, we provide detailed receipts that make reimbursement straightforward. Many families find the reimbursement process simple and receive funds within 1-2 weeks.
Multiple Insurance Plans: If both parents have insurance coverage, you may be able to coordinate benefits to maximize your coverage for child therapy or family therapy services.
Learn More About Insurance Coverage:
The Real Cost of Untreated Mental Health
While therapy is an investment, the cost of burnout can be higher. Untreated anxiety or depression often leads to:
- Lost wages from sick days: Mental health issues can lead to missed work, reduced productivity, and potential job loss.
- Increased physical health costs: Untreated mental health conditions often manifest as physical symptoms, leading to more doctor visits and medical expenses.
- Relationship strain: Mental health challenges can impact family relationships, potentially leading to costly family therapy or relationship counselling later.
- Long-term impact on children: When parents' mental health is untreated, children may develop their own mental health challenges, requiring additional support.
Investing in therapy now can prevent these hidden costs and support your family's long-term well-being.
3 Ways to Lower Your Therapy Bill
1. Claim the Medical Expense Tax Credit
Registered Social Workers are authorized medical practitioners in Ontario. You can claim your therapy sessions on your tax return as a medical expense. This can provide significant tax savings, effectively reducing your out-of-pocket therapy costs. Keep all receipts from your therapy sessions to claim this credit when filing your taxes.
2. Use Your Health Spending Account (HSA)
If you have a Health Spending Account through your employer, you can use pre-tax dollars for therapy sessions. This means you're paying for therapy with money that hasn't been taxed yet, effectively saving you the tax amount on each session. Check with your employer to see if you have access to an HSA and how to use it for therapy services.
3. Adjust Frequency
Once you stabilize, moving from weekly to bi-weekly sessions cuts your annual cost by 50% while maintaining progress. Many clients find that after the initial intensive phase of therapy, they can reduce frequency and still see meaningful results. Work with your therapist to find the right balance between therapeutic progress and budget considerations.
How Much Does Therapy Cost in Ontario? FAQs
Start Your Child Therapy or Family Therapy Journey Today
Our registered social workers and registered psychotherapists at Young Sprouts Therapy in Vaughan and Thornhill are here to help you understand your therapy investment and find the right therapist for your child, teen, or family. Book a free consultation to discuss your needs and explore how we can support your family's wellness journey.