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Benefits of Private Care For Mental Health Finding a mental health provider that is suited to your needs can be difficult. There are a variety of options that could make long-term care for mental health less expensive than you think. Private insurance is one option, but so are long-term psychiatric institutions that accept Medicaid and other public programs that offer free or low cost therapy. You can find these facilities in your local area by visiting their websites or calling them directly. Affordable Costs are a major obstacle for many people