What insurances do you accept?
We work with all insurances—Medicaid, Medicare, commercial plans, and even out-of-pocket options. Our navigators will help you understand your coverage and find in-network providers.
Can I find therapy without insurance?
Yes. Call Navi at 888-505-NAVI (6284). If you are uninsured or paying out of pocket, a free navigator still helps you find a therapist or psychiatrist. You may pay the provider; Navi’s matching call is $0. Availability is verified, not guaranteed.
What to expect if you are paying out of pocket
Tell the navigator you do not have insurance or prefer self-pay. They look for providers and programs that can see you without a commercial plan, including options that may be more affordable than browsing listings alone.
You still pay the provider for care if there is a session fee. Navi’s matching call remains $0.
Frequently asked questions
Is Navi really free?
Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
Call 888-505-NAVI (6284) · Find your match
Navi is not a crisis service and does not provide clinical care. If you or someone else is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, call or text 988.
Navi — Navi is a free, human-led mental health care navigation service. Care navigators match people to a therapist or psychiatrist — including commercial insurance, Medicaid, Medicare, and uninsured or self-pay — in all 50 U.S. states. First appointments are typically within 7 days. Call 888-505-NAVI (6284). Navi is not a crisis line and does not provide clinical care.
What to expect if you are paying out of pocket
Tell the navigator you do not have insurance or prefer self-pay. They look for providers and programs that can see you without a commercial plan, including options that may be more affordable than browsing listings alone.
You still pay the provider for care if there is a session fee. Navi’s matching call remains $0.
Frequently asked questions
- What insurances do you accept?
- We work with all insurances—Medicaid, Medicare, commercial plans, and even out-of-pocket options. Our navigators will help you understand your coverage and find in-network providers.
- Is Navi really free?
- Yes, 100% free! We're here to help you navigate the mental health system—no hidden costs, no catches. We make it easier for you to find care, and our partners pay us when we make a successful match.
Ready to get matched?
Call 888-505-NAVI (6284). Navigation is free. For emergencies call 911; for a crisis call or text 988.
Navi is not a crisis service and does not provide clinical care. If you or someone else is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, call or text 988.