It’s 11.40pm on a Sunday and you have nine tabs open on therapists in your area. You close eight. One name remains, a fee you can’t quite pin down, and the question that can’t be answered by gut feeling: where do you start?

The landscape is shifting, but you can set your method now

The system changes faster than habits. NHS talking therapy services have changed, private health insurers increasingly offer mental health cover, and remote sessions have become part of normal practice. Now is the time to set out a method — rather than choosing a practitioner on a bad night.

A woman takes notes in front of her laptop, phone in hand
Check your mental health cover before you book: a quick call often clears things up

What we know: these routes exist, they are clearly defined, and they cover only some situations. What no one else can know for you: whether your case fits the criteria, and what your health insurance will actually reimburse this year. In practice, a phone call and an email are often enough to clear the fog before the first appointment.

In person or online: two settings, not two camps

Is online therapy “really” therapy? For some situations, especially when access to in-person care is difficult, remote sessions can work; for anxiety and mild to moderate depression, some studies exist, but they do not allow us to conclude that remote and in-person therapy are always equivalent. If you have a severe condition or are at risk of suicide, seek medical advice; in-person care is often preferred for safety, but the decision depends on the professional’s assessment.

A woman on her sofa has an online therapy session
Online therapy is here to stay, provided you have a truly private space

Then there’s the lived experience, which no study captures. In-person sessions have their rituals: the journey, the waiting room, the tissue, the luxury of being someone else for fifty minutes. Online sessions have very real advantages: no two-hour commute, a practitioner based hundreds of miles away, a session that survives a busy week. In return, you need a door that closes and a connection that more or less holds.

It depends on what you’re going through

Ongoing stress, broken nights, a bereavement, exhaustion that survives two weekends of rest: these situations don’t call for the same people. With lasting fatigue, the first useful appointment is often with your GP: an underactive thyroid, anaemia or a sleep problem that keeps waking you at night can produce a picture that looks like depression.

A woman at a GP appointment in a bright consulting room
Persistent fatigue deserves a check-up with your GP first

Then the format. A clinical psychologist for regular work; a psychiatrist when diagnosis or medication is involved — they are a medical doctor, and only they can prescribe; a psychotherapist for longer-term work, though in the UK “psychotherapist” and “counsellor” are not protected titles, so check they are accredited by a recognised body such as BACP, UKCP or BPC. Grief has no expiry date: if the pain still stops you working or seeing people long afterwards, it isn’t a lack of willpower. In practice, ask: “How do you work, how often, and for how long on average?”

A woman rereads notes she prepared on her phone before a session
Three lines noted the day before are enough to open a first session
A woman leaves a building after a session, bag over her shoulder
Reviewing therapy that isn’t working is a right, not a failure

Budget: what comes out of your own pocket

With a private psychologist, session fees are set by the practitioner: in practice, count on an order of magnitude of around £50 to £120 per session — it varies by practitioner, city and format (in person or online), so always ask before booking. An NHS psychiatrist is accessed via GP referral and is free at the point of use; a private psychiatrist charges fees, which may be partly covered by health insurance, but not always. NHS Talking Therapies are free and you can self-refer, but waiting lists can be long; community mental health teams handle more complex cases, usually via GP referral.

Also allow for this: many practitioners charge for a session cancelled the day before or on the day. That’s not greed — the slot was held for you. Ask about the rule before you book, and check what your health insurer actually means by “therapy cover”: the terms can vary widely.

The first session can be prepared (a little)

Nothing is compulsory, but three lines on a phone note change everything: why you’re coming today, what weighs most right now, what you’d like to take away. You don’t have to unfold your childhood in fifty minutes.

It’s also the moment to ask the questions that will come back later: confidentiality and its limits, which are tightly governed by law and professional codes; the proposed frequency; the fee, in writing; and what happens if the relationship doesn’t click. A professional who welcomes these questions warmly is often the one with whom the work will be possible.

When to decide it isn’t working

Talking into the void for a few sessions has nothing to do with being “too damaged”: it’s information. In practice, many practitioners advise letting a few sessions go by to see whether the frame holds. Beyond that, if nothing shifts, if you’re watching the clock, it’s legitimate to reassess — or change practitioner.

A therapist who takes offence when you leave says a lot, incidentally; a solid professional will even help you put words to what didn’t work.

If you are having suicidal thoughts, or someone close to you is worried, Samaritans is free on 116 123, 24/7. In an emergency, call 999 or go to A&E. If a doubt persists — fatigue, sleep, mood — speak to a professional: your GP, NHS 111, or A&E if you feel unsafe; for under-18s, CAMHS.

And if you take one thing from this guide? Choosing a therapist isn’t an exam you have to pass first time: it’s a trial, with a clear frame, a known fee and the right to change your mind. In a process where you’re talking about yourself, that’s already no small thing.