← Back to Casey Rivera

Therapy Is Expensive and the Waitlist Is Six Months. What Do You Do in the Meantime?

4 min read

I want to write this for people who know they need help and cannot get it. You have tried to find a therapist. You have been told the good ones are not taking new clients. You have been told the affordable ones have six-month waitlists. You have been told your insurance covers therapy but the providers in-network have all moved out of the area. You have been told to call a hotline, which is helpful for crises but not for ongoing support. You have basically been told the mental health care system is broken in ways that the people who designed it cannot or will not fix, and you are supposed to hold on anyway. This is millions of people. In the United States alone, studies suggest more than half of adults with diagnosable mental health conditions receive no treatment in any given year. The problem is not that people do not want help. The problem is that help is structurally unavailable for most of the people who need it most.

The Honest Question Nobody Asks

Here is the question I think more people should be asking. Given that mental health care is inaccessible for millions, what are those millions actually supposed to do? The common answers are not great. Try harder to find a provider. Use meditation apps. Talk to your doctor. Exercise more. Cut out social media. These are all fine pieces of advice and none of them replace what a therapist would actually provide, which is an ongoing relationship with a person who listens, remembers, and helps you process things. For a long time, the honest answer to the question was nothing. People without access were just supposed to muddle through. The result was predictable. A lot of them did not muddle through well. A lot of them got worse. A lot of them never reached out again when they finally had access, because by then they had given up or the acute problem had become chronic. Then AI conversation tools got good enough to do some of what a therapist does. Not all of it. Not even most of it. But a meaningful fraction of it, available at any hour, at minimal cost, without a waitlist.

What AI Can Actually Do in This Gap

What It Cannot Do

Let me be clear about the limits before I go further. AI cannot diagnose mental health conditions. It cannot prescribe medication. It cannot handle severe crises. It is not a substitute for professional care for people with serious mental illness. If you are in immediate danger, please call a crisis line or go to an emergency room. The AI is not the right tool for that situation. What AI can do, based on peer-reviewed research and a growing body of user experience, is provide a form of supportive conversation that helps with the ordinary heaviness of life. The stress that will not lift. The anxiety about the thing next week. The grief that has stopped being acute but has not gone away. The patterns in your relationships you keep noticing and do not know what to do with. The thoughts that spiral at night. These are the things therapists help with most of the time, and these are the things AI can also help with, imperfectly but meaningfully.

What the Research Actually Shows

I am not asking you to take this on faith. A 2025 Dartmouth clinical trial published in NEJM AI found that a therapy chatbot produced significant reductions in depression, anxiety, and eating disorder symptoms over four to eight weeks. A JMIR systematic review of CBT-based chatbots across multiple randomized trials found consistent, clinically meaningful reductions in depression and anxiety. Woebot has shown a 22 percent reduction in depression symptoms in clinical studies. A US survey in 2025 found that nearly half of people with mental health conditions had used AI for psychological support and most reported improved mental health afterward. This is not hype. This is the current state of the evidence. AI conversation tools are helping real people with real symptoms, measurably, in peer-reviewed studies. The fact that this is happening is mostly invisible in mainstream coverage, which is still stuck on older debates about whether AI is a gimmick or a danger.

What I Would Tell a Friend Right Now

If a friend told me they needed therapy and could not find it, here is what I would say. First, keep trying to find a human provider. Call the numbers. Use the directories. Ask doctors. Be on the waitlists. Do not give up on formal care, because when you can get it, it is still the best option for most sustained mental health work. Second, while you wait, use whatever helps. That means exercise and sleep and connection with people who love you. It also means AI conversation tools, which are available right now, cost almost nothing, and produce measurable benefits for many users. Use them like you would use any other self-care tool - thoughtfully, as part of a broader approach, without expecting them to be everything. Third, do not feel embarrassed about it. The mental health system has failed you if you cannot get the care you need. Using the tools that are available is not a failure on your part. It is a reasonable response to a broken situation. And the research is now clear enough that nobody should be gatekeeping the use of AI conversation for people who cannot access human therapists.

The Bigger Picture

I keep thinking about the specific unfairness of the current moment. People with money and good insurance and the right zip codes can get excellent mental health care. People without those things often get nothing. AI conversation tools are, for the first time, providing a meaningful level of support to people in the second category who have historically been left to figure it out alone. This is not a complete solution. It is a partial one. Partial solutions matter when they serve people who have been getting no solution at all. If you are reading this from inside the six-month waitlist, please know that you are not on your own, even when it feels that way. The tools available to you are better than they were five years ago, and some of them are genuinely helping people in situations like yours. Use what you have. Keep pushing for what you need. Be gentle with yourself in the meantime. You are not weak for needing support. You are in a reasonable response to an unreasonable situation, and there are more options now than there used to be.

Chat with Luna
Post on X Facebook Reddit