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IPhone 13, IPad Mini And All The Details Of Apple's Big Announcements Last Week


iPhone 13, iPad Mini and all the details of Apple's big announcements last week


iPhone 13, iPad Mini and all the details of Apple's big announcements last week

Update, Sept. 21: CNET reviewed the iPhone 13, Mini, Pro and Pro Max. Original story follows.


Apple's iPhone 13 event has been put to bed, and in it we got the expected iPhone 13 announcement, as well as a refreshed 10.2-inch iPad, a big upgrade for the iPad Mini and a new Apple Watch Series 7. There were a few small announcements, too. We saw some upcoming show previews for Apple TV Plus, including the new season of The Morning Show and fresh titles like Foundation, and a comedy series, The Problem With Jon Stewart. (Stewart joked they may need to add a comma to that title.) 

We also got an announcement date for the release of the new mobile operating systems, iOS 15 and iPadOS 15: Sept. 20. Get ready to download and install them on your iPhone and iPad.

iPhone 13, Mini, Pro and Pro Max

Apple showed off a complete new line of iPhones. They all get updated to a new A15 Bionic chip, a six-core CPU with two high-performance cores, four high-efficiency cores and a quad-core GPU. 

iPhone 13 Pro cameras

The iPhone 13 Pro has wide-angle, ultrawide and telephoto cameras.

Apple/Screenshot by Stephen Shankland/CNET

All the back cameras have been significantly upgraded with wider apertures and new video features. The buzziest is Cinematic mode, which will allow phones to have professional-level "rack focus" where you can slide between focus subjects gracefully in a video. You can also choose where to focus by tapping on the screen, or even holding down to lock focus on a subject.

  • iPhone 13 brings a new design and stylish colors. Here's what to know
  • iPhone 13: Apple adds larger battery, more storage, cinematic video mode
  • iPhone 13 Pro cameras: Why this pro photographer is excited
  • iPhone 13 cameras stand out with macro photography, cinematic video
  • iPhone 13 price and preorder: How and when to buy Apple's new phones
  • iPhone 13 Pro and Pro Max: 120Hz display, 3 new cameras and all the goodies
  • iPhone 13's starting storage is finally one we can recommend
  • iPhone 13 release date: All models will be available on Sept. 24
  • Apple's iPhone 13 Mini promises to be small but mighty
  • iPhone 13 Pro finally gets 1TB of storage for $1,499, 1TB Pro Max for $1,599
  • Here's which iPhones are getting lower prices, and which Apple will stop selling
  • iPhone 13 battery life: Your phone charge will last hours longer, Apple says
  • Apple touts iPhone 13's privacy features, but doesn't address spyware worries
  • iPhone 13 Pro gets Super Retina XDR display with ProMotion
  • iPhone gets 3x optical zoom for the first time
  • iPhone 13 will support 5G in 60 countries, work on over 200 carriers this year
  • Apple's iPad Mini sees a big upgrade: Support for USB-C charging
  • Apple's A15 Bionic chip powers iPhone 13 with 15 billion transistors

The iPhone 13 Pro camera now has a macro lens, able to shoot a subject from less than an inch away. Apple says it's also made improvements to the software that recognizes people's skin tones, and you can now apply tone and warmth filters that the camera will remember.

Apple says that despite the faster chip, 5G, better cameras and other features, the iPhone 13 has longer battery life than its predecessor. One way it does this is by shifting to LTE "when 5G speeds aren't needed."

Apple Event new iPhone 13 cameras

The iPhone 13 Pro's camera lenses exploded.

Apple/Screenshot by James Martin/CNET

Apple is also getting its device to rely on the internet less. Many Siri requests for example will stay on the device, a first in the 10 years since the voice assistant was first introduced.

The iPhone 13 Pro has a bigger battery, a new Super Retina XDR display with 1,000 nits of peak outdoor brightness, 25% higher than last year. And it can change frame rate on the fly, increasing frame rate to 120Hz when you need to match games and some video, but ramping it down to 10Hz when you don't. 

Prices remain the same as the last generation. The iPhone 13 starts at $799 (£779, AU$1,349). The iPhone 13 Mini starts with double the capacity, 128GB, at $699 (£679, AU$1,199). You can also get a 512GB version now, which used to only be available on the Pro models. The iPhone 13 Pro will keep its $999 (£949, AU$1,699) starting price and the iPhone 13 Pro Max will start at $1,099 (£1,049, AU$1,849). Preorders open this Friday, Sept. 17, and the phone will appear in stores on Sept. 24.

apple-event-seq-00-01-01-20-still001.png
Apple/Screenshot by Chris Pavey/CNET

Apple Watch Series 7

The new watch has a larger display, with 20% more screen area than the Series 6 and 50% more than Series 3. But the dimensions of the watch have barely changed, Apple says. And it has "softer, more rounded corners" with a "wraparound" feel on the sides.

Apple says it redesigned buttons in the software to make them easier to tap as well, and it can fit 50% more text on screen than last year's watch.

The newest Apple Watches now have a "crack-resistant front crystal," with a "more robust geometry" and IP6X certification for additional dust resistance over the earlier model.

It has a bunch of new colors, bands and even a new charger that's faster. Like the iPad, Apple says it's 100% recycled aluminum.

The Apple Watch Series 7 will be $399, with international prices yet to be announced. It's not coming until later this fall, though. Apple will also keep selling the Apple Watch Series 3 for $199 and last year's Apple Watch SE for $279. 

Since launching last year, Apple's focused its $10 per month Fitness Plus service on getting you to sweat. But this year, it's adding a meditation option, which will include all sorts of different calmness, kindness and gratitude meditations. Just like Apple's other classes, it'll be updated weekly on your phone and watch.

Apple's always had hidden features to compete with friends in its motion and activity app, and now the company's adding group workouts too. In this case, you can start a workout with (or against) your friends from an iMessage chat conversation. Apple says up to 32 people can participate and you'll even know when friends are ahead of you in a bike class, for example.

Apple Event new iPad

The new iPad Mini.

Apple/Screenshot by James Martin/CNET

iPad and iPad Mini

The new 10.2-inch iPad incorporates the A13 Bionic chip, Apple says, which is 20% faster than the A12 "in every aspect of the chip from the CPU and GPU to the neural engine." (The iPhone 13 has the new A15 Bionic chip.) It has a larger display, with 20% more screen area than the Series 6 and 50% more than Series 3. The dimensions of the watch have barely changed, Apple says. And it has "softer, more rounded corners" with a "wraparound" feel on the sides. 

But the Mini is the bigger upgrade. 

It ditches the home button, and has thinner screen bezels to fit the larger 8.3-inch True Tone screen, which has an antireflective coating and a brightness of 500 nits. It also comes in an array of colors, including purple, pink, "starlight" (a light gray) and space gray.

It also has Touch ID built into the power button, just like last year's iPad Air.

Apple says that the iPad Mini upgrade means that all the company's iPads are now made from 100% recycled aluminum, as well as 100% recycled tin (for the solder). Apple says it uses 100% recycled rare earth elements in the enclosure magnets (though not everywhere).

Apple's iPads have always been portrait-oriented devices. The front-facing camera's always been at the top of the device when held vertically, and its speakers have always been at the bottom. With the iPad Mini, Apple's moved the selfie camera to the top of the landscape orientation, and added stereo speakers meant to be heard in landscape as well. 

Apple Event iPad mini

The new iPad Mini's colors.

Apple/Screenshot by James Martin/CNET

Last year, Apple introduced faster 5G wireless to the iPhone. This year, it's adding the technology to all its iPads, starting with the iPad Pro in April. Now, the iPad Mini gets 5G, which Apple said can pull down 3.5 gigabits of data per second. It also gets a USB-C port like its iPad Pro big brothers.

The iPad starts at $329 (£319, AU$499) and the iPad Mini starts at $499 (£479, AU$749).

Our liveblog archive follows.


And that's it

11:31 a.m. PT

Apple closes with another tour through California landmarks. Like in its previous videos, it includes production health and safety info, including daily health screenings, face coverings "worn by everyone."


So when can you get it?

11:18 a.m. PT

The iPhone 13 Pro will keep its $999 starting price, and the iPhone 13 Pro Max will start at $1,099.

Preorders start Sept. 17 and ship Sept. 24.


 iPhone 13 Pro as a video camera

11:12 a.m. PT

Apple pushed hard on the idea of using the iPhone 13 Pro as a professional-level video camera. It hired Oscar-winning film director Kathryn Bigelow to try it out, showing how well it handles low-light imagery. 


iPhone 13 Pro camera upgrades

11:09 a.m. PT

Apple's updates for its wide and ultrawide allow for better low light performance, Apple says, and can also do macro photography -- shooting a subject as close as 2 centimeters away. 

Apple says it's also made improvements to the software that recognizes people's skin tones, and you can now apply tone and warmth filters that the camera will remember.


iPhone 13 Pro and Pro Max

11:05 a.m. PT

Apple says it's the "most pro design," which is probably the most Apple thing I've heard the company say in a while. 

It comes in four colors: silver, graphite, gold and "sierra blue."

screen-shot-2021-09-14-at-2-00-12-pm-2.png
Apple

The iPhone 13 Pro has a bigger battery, Apple added. And it includes a better GPU than the iPhone 13.

Apple said it's announcing a new "Super Retina XDR display" which has 1000 nits of peak outdoor brightness, 25% higher than last year. And it can change frame rate on the fly, increasing frame rate to 120Hz when you need, but ramping it down when you don't. In its demo, Apple showed it going down to 10Hz.

Better battery life

10:58 a.m. PT

Apple says that despite the faster chip, 5G, better cameras and other features, the iPhone 13 has longer battery life than its predecessor. One way it does this is by shifting to LTE "when 5G speeds aren't needed," Apple said. And the company's A15 Bionic chip is more efficient, Apple said.

Apple is also getting its device to rely on the internet less. Many Siri requests for example will stay on the device, a first in the 10 years since the voice assistant was first introduced.

Apple said it's keeping prices the same this year. iPhone 13 Mini starts at $699, with double the starting capacity to 128GB. (You can also get a 512GB version now, which used to only be available on the Pro models.)


A new automatic focus

10:52 a.m. PT

Apple said Cinematic Mode follows where the subject of a video looks, changing focus when they look away, and again when they look back.

screen-shot-2021-09-14-at-1-51-52-pm-2.png
Apple

Apple said you can also choose where to focus by tapping on the screen, or even holding down to lock focus on a subject. It's all shot in Dolby Vision HDR, Apple says, which is fancy talk for high end video formats.


Camera upgrades and Cinematic Mode

10:50 a.m. PT

Apple says its back cameras have gotten serious upgrades with the iPhone 13. The 12 megapixel camera can take in 47% more light, Apple says, with an F1.6 aperture. 

The ultrawide camera has an F 2.4 aperture.

When it comes to video, Apple says it's adding "cinematic mode," which will allow phones to have professional-level "rack focus" where you can slide between focus subjects gracefully in a video. Apple of course created a demo "movie" to show it off. 


iPhones get new A15 Bionic chip

10:45 a.m. PT

"Frankly, the competition is still playing catchup to our chips," Apple says. This year, the iPhone 13 gets A15 Bionic. 

It has a 6-core CPU, with 2 high-performance cores and 4 high-efficiency cores. Apple says it's up to 50% faster than the leading competition. It also has a 4-core GPU, Apple says. It has 30% faster graphics than the competition.


iPhone 13 is here

10:40 a.m. PT

The new device has two rear lenses, arranged diagonally. It also comes in pink now, along with blue, "midnight," "starlight," and product red.

screen-shot-2021-09-14-at-1-42-48-pm-2.png
Apple

The antennas are made with recycled plastic water bottles, Apple says. And they have a sensor notch that's 20% smaller.


Apple Fitness Plus gets into group workouts

10:36 a.m. PT

Apple's always had hidden features to compete with friends in its motion and activity app, and now Apple's adding group workouts too. In this case, you can start a workout with (or against) your friends from an iMessage chat conversation. 

Apple says up to 32 people can participate and you'll even know when friends are ahead of you in a bike class, for example.


Apple Fitness Plus adds meditation

10:35 a.m. PT

Since launching last year, Apple's focused its $10 per month Fitness Plus service on getting you to sweat. But this year, it's adding a meditation option, which will include all sorts of different calmness, kindness and gratitude meditations. Just like Apple's other classes, it'll be updated weekly on your phone and watch.


Apple Watch gets more durable

10:30 a.m. PT

Apple said its newest Apple Watches now have a "crack resistant front crystal," with a "more robust geometry."

It also has IP6X certification, which means it's duster resistant.

Of course, it has a bunch of new colors, bands and even a new charger that's faster.

Like the iPad, Apple says it's 100% recycled aluminum.

The Apple Watch Series 7 will be $399. Apple will also keep selling the Apple Watch Series 3 for $199, last year's Apple Watch SE for $279.

It's not coming until later this fall, though.

  1. Apple Watch Series 7: a whole new design
  2. Apple Watch 7 launches a full keyboard

Apple Watch Series 7 is real

10:27 a.m. PT

It has a larger display, with 20% more screen area than the Series 6 and 50% more than Series 3.

The dimensions of the watch have barely changed, Apple says. And it has "softer, more rounded corners" with a "wraparound" feel on the sides.

screen-shot-2021-09-14-at-1-24-47-pm-2.png
Apple

Apple says it redesigned buttons in the software to make them easier to tap as well, and it can fit 50% more text on screen than last year's watch.


100% Recycled Aluminum

10:23 a.m. PT

Apple said the iPad Mini upgrade means that all the company's iPads are now made from 100% recycled aluminum, as well as 100% recycled tin (for the solder). Apple says it uses 100% recycled rare earth elements in the enclosure magnets (not everywhere). 


Apple finds landscape

10:19 a.m. PT

Apple's iPads have always been portrait-oriented devices. The front-facing camera's always been at the top of the portrait-oriented device. And its speakers have always been at the bottom. 

With the iPad Mini, Apple's moved the selfie camera to the top of the landscape orientation, and adding stereo speakers meant to be heard in landscape as well. 

It'll start at $499, more expensive than the $399 starting price for the previous generation


iPad Mini gets USB-C, 5G

10:18 a.m. PT

Last year, Apple introduced 5G superfast wireless to the iPhone. This year, it's adding the technology to its iPads. First, with the iPad Mini, which Apple said can pull down 3.5 gigabits per second. It also gets USB like its iPad Pro big brothers.


iPad Mini gets a big upgrade

10:14 a.m. PT

Tim Cook announced the new iPad Mini, which ditches the home button, and has thinner borders. It also comes in an array of colors: purple, pink, "starlight" and space gray.

Apple says it's 8.3 inches, and offers true tone, anti reflective coating, and 500 nits of brightness.

It also has Touch ID built into the power button, just like last year's iPad Air.

The new iPad Mini has a 40% jump in CPU performance, and 80% "leap" in GPU, Apple says.

Apple iPad gets refreshed for 2021 with an A13 chip, 12-megapixel camera, True Tone display


iPad updates

10:09 a.m. PT

Cook starts by talking about how strong the iPad business has been growing, up 40% in the past year. 

"Today, it gets even better," he says.

The new iPad will include the A13 bionic chip, Apple says, which is 20% faster "in every aspect of the chip from the CPU and GPU to the neural engine."

Apple's Melody Kuna, a senior manager of iPad product design, says it's up to 3x faster than the best selling Chromebook and up to 6x faster than the best selling Android tablet. 

It'll also include a better rear and front camera, she said.


Apple TV Plus

10:07 a.m. PT

Apple started by discussing his company's $5 per month video service, Apple TV Plus, showing off a bunch of previews for hit shows like Ted Lasso and The Morning Show, as well as upcoming titles like Foundation, and a comedy series, The Problem With Jon Stewart. (Stewart joked they may need to add a comma to that title.)


screen-shot-2021-09-14-at-1-03-36-pm-2.png
Apple

Love, California

10:04 a.m. PT

Tim Cook starts Apple's event with a video montage of all the things he says Apple loves about California. All its landmarks, singing people, it's definitely a fun place to start.

"California has always been a place for people with big ambitions and big dreams, a place where people are fueled with optimism to make things better, to make things that can change the world. It is such an important part of who we are at Apple, and inspires us in everything we create and do. We're proud to call California our home."


No more pop and rock

9:57 a.m. PT

Apple used to have a playlist prepared for its events with hit songs from hit groups like Coldplay all the way to little-known musicians who'd suddenly find fame in background of Apple ads and events. But ever since Apple started streaming its events amid the pandemic, it's switched to more artsy -- what I'll call corporate classical and pop music. 

For what it's worth, I checked on Apple-owned Shazam to see if maybe this was an artist I'd never heard of. Nope -- Shazam hasn't heard it either. At least it's kinda catchy.


Our show has started

9:50 a.m. PT

Apple's event is nearly ready to begin, and CNET's live pre-show is running now at the top of this page. You can watch live as we discuss all the rumors and expected products. Also, get some insight into the minds of our great reviewers.


Spyware scare

9:17 a.m. PT

While we're all waiting to see what Apple releases, make sure you take this moment to update your iPhones, iPads and other Apple devices. Like, now. Go. I'll wait.

Apple put out a surprise update Monday that closes a security hole in a reported "zero-click" hack. This attack, which is tied to the Pegasus spyware reportedly used to spy on dissidents, world leaders and journalists, can be delivered through a text message. Supposedly, you can't do anything to stop when it arrives -- the hack goes into effect as soon as your phone receives the message. Apple's update closes that hole.

By the way, you can find out if you've been hacked using a free tool available online.


Will there be enough?

9:03 a.m. PT

It used to be that when new iPhones came out, people lined up around the block outside Apple Stores to be among the first to get their hands on the device. It would then typically be promptly sold out and nearly impossible to find for days or even weeks. Apple's gotten better at managing demand, and so many people buy online now that the dramatic iPhone lines are largely a thing of the past. But what of supply?

In the pandemic, we've learned that our international supply chains are rather fragile, and our reliance on overseas manufacturing has led to shortages of all sorts of products, from cars to video game consoles to garlic. So far, indications are Apple's been able to avoid these issues, in part thanks to its aggressive long-term planning. That doesn't mean you'll have easy access to an iPhone at launch, but it shouldn't be as hard to find as, say, a PlayStation 5.

There are rumors the Apple Watch on the other hand may have limited supplies at launch. But that's because of a non-pandemic problem. According to rumors, Apple struggled to get production going smooth in order to produce at high volume


Unusual location

8:31 a.m. PT

Pretty much every virtual event Apple's held so far has been set on its multibillion dollar "spaceship" headquarters in Cupertino, California. But this time Apple CEO Tim Cook tweeted out a picture of a different location the company will be holding at least part of its event from: The desert.

It's a good bet this may be a reference to the rumored satellite emergency call capabilities being built into the next iPhones. We'll have to see.

§

Apple's new iPhone 13 line debuted Tuesday at Apple's September event, showing a tweaked design with a variety of new features for those upgrading from earlier iPhone models. The lineup consists of four new phones: the iPhone 13, the 13 Mini, the 13 Pro and the 13 Pro Max. The new phones will run iOS 15, come with a larger battery, more storage, a new A15 Bionic processor, a smaller notch and an abundance of new camera features. The base model of the iPhone 13 and 13 Mini are available in five colors: pink, blue, midnight (black), starligh t (white) and Product Red. The iPhone 13 Pro and 13 Pro Max will also get a giant camera upgrade as well as a new display with 120Hz high refresh-rate display.

Read on for our first take on Apple's iPhone 13 lineup and the answers to all of your questions about the phone's specs, features, design, price and how to get your hands on one yourself. Plus, here's everything we know about iOS 15, and here's what we know about a potential October Apple event.

How much will the iPhone 13 cost, and how much storage does it have?

The iPhone 13 price depends on which of the four variants you buy, how much storage you choose and whether you're purchasing through a carrier or unlocked. Here's everything to know about the iPhone 13 price structure and preorder details. 

Without a carrier discount, the iPhone 13 starts at $829 (£779, AU$1,349) for 128GB, which is twice the storage of the base iPhone 12 model. The iPhone 13 Mini starts at $729 (£679, AU$1,199) for the same 128GB of storage. Like the iPhone 12, if you buy an iPhone 13 or 13 Mini tied to a US carrier, you'll receive a $30 discount. 

The iPhone 13 Pro starts at $999 (£949, AU$1,699) and the 13 Pro Max at $1,099 (£1,049, AU$1,849) for 128GB of storage. For the first time, you have the option to get 1TB of storage on an iPhone. The extra storage is only available on the Pro models and pushes the iPhone 13 Pro Max's price to $1,599. Below is a breakdown of prices (without a carrier discount) and storage options.

iPhone 13 series US prices and storage

Model 128GB of storage 256GB of storage 512GB of storage 1TB of storage
iPhone 13 Mini $729 $829 $1,029 N/A
iPhone 13 $829 $929 $1,129 N/A
iPhone 13 Pro $999 $1,099 $1,299 $1,499
iPhone 13 Pro Max $1,099 $1,199 $1,399 $1,599
Apple Event iPhone cameras
Apple/Screenshot by James Martin/CNET

What is the iPhone 13's screen size?

The four iPhone 13 models have the same size screens as the iPhone 12 series. The iPhone 13 Mini has a 5.4-inch display, the iPhone 13 and 13 Pro have a 6.1-inch screen, while the iPhone 13 Pro Max has a 6.7-inch display. All the new phones have brighter screens.

Does the iPhone 13 Pro have a 120Hz refresh rate?

Both Pro models now get a higher 120Hz refresh rate, which makes animations and scrolling look smoother and gaming more immersive. Android phones, whether they are expensive or not, commonly feature a high refresh rate screen. Up to now, the only Apple device to offer such a refresh rate was the iPad Pro, which uses an LCD screen instead of the OLED found on the iPhone 13 Pro and 13 Pro Max. Here's some more information on the iPhone 13's 120Hz refresh rate, ProMotion and why it may not work exactly the way you think.

How long does the iPhone 13 battery last?

Probably the most welcomed feature announced for the iPhone 13 is a bigger battery. Apple didn't share the size, but claims that the new battery along with iOS 15, the A15 chip and updated display adds 2.5 hours of battery life to the iPhone 13 (compared to the iPhone 12). 

The iPhone 13 Mini should get an 1.5 hours more than the iPhone 12 Mini. That's a significant increase: The battery life on the iPhone 12 Mini was a compromise some people weren't willing to make. So it's exciting to see the new Mini get such a big bump in just a year.

Apple says that the Pro models should see a similar increase in battery life with the iPhone 13 Pro getting 2.5 hours more and the 13 Pro Max getting an additional 1.5 hours.

How many cameras does the iPhone 13 have?

The iPhone 13 and 13 Mini get an updated camera system, which is apparent from the new diagonal orientation of the two rear cameras. In fact, Apple says the new orientation is a result of making more room for a new sensor-based stabilization system -- which previously was only on the iPhone 12 Pro Max. (The cameras on the iPhone 12 were stacked vertically.) 

All four models get an improved 12-megapixel main camera and a better ultrawide lens and sensor. The new hardware, along with the new A15 Bionic chip, means a handful of improvements and new features, including being able to capture 47% more light.

The iPhone 13 Pro also has a new triple-camera system with better lenses and sensors. The telephoto lens comes with 3x optical zoom, which is 1.5x longer than the camera on the iPhone 12 Pro and 1.2x longer than the tele lens on the 12 Pro Max. Take a look below at the different telephoto lenses the Pro models of the iPhone 13 and 12.

To put things in perspective, this is an enormous improvement for the iPhone, but it still pales in comparison to the telephoto cameras on the Galaxy S21 Ultra and phones from Huawei.

iPhone 13 Pro telephoto lens specs vs. 13 Pro, 12 Pro, 12 Pro Max

Model Optical zoom 35mm lens equivalent
iPhone 13 Pro Max 3x 77mm
iPhone 13 Pro 3x 77mm
iPhone 12 Pro Max 2.5x 65mm
iPhone 12 Pro 2x 52mm

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8 Affordable Therapy Options That Don't Require Insurance


8 Affordable Therapy Options That Don't Require Insurance


8 Affordable Therapy Options That Don't Require Insurance

Every year, more Americans seek cognitive behavioral therapy and counseling to prioritize their mental health and overall wellbeing. Unfortunately, with the growing cost of living and an uncertain economic outlook, many therapy-goers find it difficult to afford treatment – even with insurance or other financial assistance programs.

Things are even more challenging for those looking for affordable therapy without insurance. For these folks, a single therapy session can cost as much as $250, which isn't feasible in most households.

However, there is some good news. These days, uninsured people looking for affordable therapy have more options than ever, including sliding scale payments, employer-sponsored programs and mental health apps.

Below, you'll find several cost-effective ways to access cheap or free therapy, none requiring insurance. Read on to discover how to find affordable therapy that works for you.

Read More: 6 Best Teas for Anxiety and Stress for 2022

Affordable therapy options to try without insurance

Sliding scale payments

Since therapists set their prices, they can choose to reduce their rates for patients with lower incomes or those who don't have insurance. Also known as a sliding scale, this payment system is set up at a therapist's discretion and can often decrease therapy fees by half or more (depending on a patient's income).

On the plus side, sliding scale payments can help economically disadvantaged people access therapy at a rate proportionate to their income. However, since mental health professionals make less money on these types of patients, these appointments are in high demand -- and often difficult to find.

To find a participating practice, you can use a therapist search engine (like Psychology Today or GoodTherapy) and apply the filter for sliding scale payments.

Low-cost clinics

Another way to access affordable therapy without insurance is by visiting a low-cost clinic. These are generally run by local universities or hospitals, where students train to become mental health professionals. They often provide affordable (or even free) counseling as a way for their trainees to get real-life experience with patients under the supervision of qualified professionals.

Low-cost clinics are an excellent option for those who don't have insurance or can't cover the out-of-pocket costs of traditional therapy. Keep in mind that the staff at these clinics usually aren't fully qualified yet, so they won't have as much knowledge or experience as an experienced therapist.

If you're interested in finding a low-cost clinic near you, contact your local university or psychology institute and ask if they offer student-led therapy services.

Employee Assistance Program 

Some companies have an Employee Assistance Program for workers struggling with mental health issues. With these types of programs, the employer will typically pay for a certain number of therapy sessions or mental health services to help with things like stress, anxiety, depression, substance abuse, trauma and grief. 

One of the biggest benefits of an EAP is that your employer covers all the costs. On the downside, EAPs are designed to focus on specific, short-term concerns rather than long-term mental health. As such, they aren't a solution for complex or extensive issues.

To find out if your company offers EAPs, reach out to your manager or your human resources department. If you qualify, they should be able to give you information about how to access a therapist that's covered by your EAP.

Woman drinking coffee and using laptop to look for employee assistance program
Luis Alvarez/Getty Images

Community mental health centers

Across the country, you'll find government-run community centers where individuals can receive mental health support -- no matter their income or insurance status. These clinics provide a range of services, including crisis assistance, substance abuse counseling and mental health care for veterans, with many accepting Medicaid or offering sliding scale payment options.

One advantage of community mental health centers is that they're available to everyone and deal with a comprehensive variety of conditions and disorders. Because of this, the centers' resources are often stretched thin, and you may face a lengthy wait to see a therapist.

Your state's behavioral or mental health department can help you access these services. In Missouri, for example, you can use this map to find your nearest community mental health centers based on your county.

University services 

If you're in college, you might be able to access therapy through your school's health center. Universities and community colleges recognize that students deal with all kinds of mental health issues while they're in school and put programs in place to support their pupils. For instance, the University of Michigan offers professional and peer-to-peer counseling, therapy apps, wellness coaching, self-guided meditation and more.

On the positive side, these university-sponsored services are often included with tuition. However, they're typically meant for short-term help. If you need long-term therapy, your school's counselor will likely refer you to another mental health professional outside the university.

Visit your school's website or contact the administration team to learn more about therapy and mental health services.

Group therapy

Group therapy is a cost-effective alternative if you don't have insurance and can't afford individual therapy. Instead of meeting with a mental health professional by yourself, you'll come together with a therapist and a small group of people dealing with similar issues like stress, depression, grief, substance abuse or something else. 

On average, group therapy costs around $30 to $80 per session – about half the price of individual therapy. It also lets you connect with others who are in a similar situation as you. On the downside, you won't receive one-on-one attention from your therapist, which could be difficult if you deal with highly personal issues. Plus, for group therapy to be effective, you'll need to be comfortable discussing your mental health in front of multiple others.

To learn more about group therapy or find sessions near you, search online or reach out to a local therapist specializing in your area of concern (such as addiction, chronic illness, trauma or another area).

Support groups

Similarly, support groups provide a safe space for people who are going through a similar experience. They're led by peers (rather than therapists) and are free to attend. For example, Al-Anon is a support group for friends and families of people with alcohol use disorder who want to gather and discuss how their loved one's addiction has affected them.

One of the key advantages of support groups is that they're organized and attended by people with first-hand experience with whatever you're struggling with -- whether that's substance abuse, grief, stress or another challenging issue. But since support groups are run as peer-to-peer sessions, they don't provide the opportunity to dive deeply into your personal situation with the help of a qualified therapist.

As mentioned, support groups are focused on a single topic, so the best way to find a relevant group near you is through online research (for example, "cancer support groups in Denver"). If you'd prefer to meet virtually, there are also plenty of free online support groups that tackle all sorts of tough issues.

Mental health apps

Thanks to technology, mental health care is now accessible from anywhere and for everybody -- including people who live in rural areas, individuals with disabilities and people without insurance. For about $60 to $90 per week, online therapy apps like Talkspace, BetterHelp and Cerebral allow you to speak with a therapist from the comfort of your home. 

These virtual mental health services are ideal if you're unsure about meeting a mental health professional face-to-face or if you can't find a therapist near your home. On the other hand, you might find it harder to connect or develop trust with your therapist in a virtual setting. On top of that, the subscription fees for these apps can be pricey.

To learn more, check out CNET's reviews of the best online therapy services and mental health apps.

Close up of hands holding smartphone with mental health mobile app
Prostock-Studio/Getty Images

Does free therapy exist?

Unfortunately, therapy can still be expensive, even with discounts or sliding scale payment options. While there are a handful of ways to access free online therapy or in-person counseling appointments, they're often hard to find. If you don't have a budget for individual therapy right now, you may find the following resources helpful.

  • Warmlines and hotlines: If you need to talk to someone at a given moment, consider calling a mental health support line (known as a warmline or hotline). Both are free phone numbers you can dial to chat with a peer or volunteer trained in mental health. Warmlines are available for casual, non-emergency conversations, whereas hotlines like the National Suicide Prevention Lifeline are for urgent crises (dial or text 988).
  • Free clinics: From student training clinics to community mental health centers, you may be able to find facilities in your area offering free therapy. Some mental health professionals also offer several pro bono sessions every week or month. These services are typically set aside for low-income and uninsured patients.
  • Support groups: No matter what you're struggling with, chances are that you're not alone. To meet people in a similar situation, research local or virtual support groups that revolve around your particular mental health concern.

Bottom line

These days, there are several pathways to find affordable therapy without insurance as a result of  advances in mental health technology. Whether you're insured or not, there are many ways to find cost-effective mental health care, including low-cost clinics, group therapy, community centers, support groups and mental health apps.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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