Therapy without Kela: alternatives and funding
Updated · Editorial principles and sources
Not everyone qualifies for Kela rehabilitation psychotherapy, but that doesn't mean therapy is out of reach. This guide covers alternative ways to fund therapy.
Alternatives to Kela support
Health insurance
Some private health insurance policies partially cover psychotherapy. Check your own policy terms.
Employer-provided services
Depending on the contract, occupational health care may offer short-term therapy. Some employers also offer employee assistance programmes (EAP), which may include counselling sessions; the number varies.
Training therapy
Psychotherapist trainees often offer training therapy at a lower price. They work under supervision during their training. Ask about the price and supervision directly.
Low-threshold services
Wellbeing services county mental health services, student health care, parish family counselling and NGO services are often free or low-cost.
Cost comparison
| Service | Price |
|---|---|
| Private psychotherapy | Varies by therapist |
| Training therapy | Often lower than usual |
| Short-term therapy (occupational) | Often free for the employee (depends on the contract) |
| Wellbeing services county services | Free or a client fee |