Last updated: March 2026
How Much Does Music Therapy Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Individual Music Therapy Session (45-60 min) | $80 – $200 | $20 – $80 |
| Group Music Therapy Session | $30 – $80 | $10 – $35 |
| Music Therapy for Seniors/Memory Care | $60 – $150 | $20 – $60 |
CPT/ADA Code: 97530, 90834
What Affects the Cost
- Provider credentials and experience
- In-person vs. telehealth sessions
- Session length (30, 45, or 60 minutes)
- In-network vs. out-of-network
- Geographic location (major cities cost more)
- Type of therapy or treatment approach
Insurance Coverage
Typical coverage: Music therapy may be covered by insurance for specific diagnoses when provided by a board-certified music therapist. Coverage varies by state and plan.
Under the ACA and Mental Health Parity Act, insurance must cover mental health treatment at the same level as physical health. In-network copays are $20-$75 per session. Out-of-network providers may be reimbursed at 50-70%. Many plans now cover telehealth therapy at $0 copay.
How to Save Money
- Online therapy platforms (BetterHelp, Talkspace) cost $60-$100/session
- Open Path Collective: $30-$80/session ($65 lifetime membership)
- Sliding-scale therapists adjust fees based on income
- University training clinics offer $10-$30/session
- Community mental health centers provide low-cost services
- Ask about out-of-network reimbursement from your insurance
Related Procedures & Costs
Frequently Asked Questions
No musical ability is required. Music therapy uses listening, singing, playing instruments, and songwriting as therapeutic tools, adapted to each person's abilities.
Music therapy is effective for autism, dementia, stroke rehabilitation, chronic pain, PTSD, depression, and developmental disabilities. It engages brain areas that other therapies may not reach.
Some insurance plans cover music therapy when prescribed by a doctor for a specific diagnosis. Coverage varies widely, so check with your insurance company.