Check for ways to cover your bereavement support expenses

Support Mental Health

You may be able to access grief or mental health support services through your own health insurance, targeted assistance programs, and low-cost or free options.

Assistance may also be available through government programs and nonprofit organizations that focus on grief and/or mental health.

Depending on the type of loss you have experienced, there may be bereavement support available through issue-specific organizations.

For example, The Compassionate Friends provides support to families dealing with the loss of a child.

You may be able to find an organization that can help you deal with grief related to specific circumstances of the death.

For example, GRASP focus on bereavement support for survivors of those who have passed due to substance use.

Additionally, there are organizations that provide assistance for people dealing with specific types of mental health or addiction-related challenges like depression, substance abuse, or eating disorders.

Even if they do not directly provide free or low cost options, these organizations can usually point you in the right direction to find help.

If you are struggling with expenses, a fundraiser for bereavement support through gofundme is also an option.

Helpful Tips


Even if they do not directly provide free or low cost options, organizations such as the one linked below can usually point someone in the right direction for finding the help they need.

Grief recovery after a substance passing


Hospice Net (for teens)


Mothers in Sympathy and Support (for parents who have lost children or infants)


Actively Moving Forward (for young adults)


Concerns of Police Survivors

Personal Considerations


Do you have medical insurance?


Check your health insurance policy to review possible mental health benefits.

If you are eligible to receive benefits, then insurance will pay for a certain portion of your visits.

However, each policy has its own guidelines for what is supported, so be sure to review its details carefully.

Certain policies may require that you only see approved practitioners, known as In-Network Providers; typically, health insurance companies will have a website where you can search for them.

However, you can also meet with any unapproved provider of your choice, they are known as Out-of-Network Providers.

In these cases, you can either pay them directly, or be possibly reimbursed by your healthcare provider at a rate different from In-Network Providers.

Review the details of your policy to confirm.

These types of mental health professionals work in a variety of settings, including but not limited to:

  • Outpatient Facilities: treatment occurs outside of a medical facility such as a community clinic, school, or private practice; patients continue to live at home
  • Inpatient Facilities: treatment occurs inside a medical facility such as a hospital and its psychiatric department, where the patient lives temporarily during treatment

Review options for free or low cost support.

These might be provided by nonprofits, social service agencies, religious organizations, or other entities.

You can apply for health insurance through healthcare.gov or your state's health insurance plan marketplace during open enrollment (usually after November 1st).

If you qualify for medicare or medicaid, you do not need to wait for open enrollment.


If you have medical insurance:

Check your health insurance policy to review possible mental health benefits.

If you are eligible to receive benefits, then insurance will pay for a certain portion of your visits.

However, each policy has its own guidelines for what is supported, so be sure to review its details carefully.

Certain policies may require that you only see approved practitioners, known as In-Network Providers; typically, health insurance companies will have a website where you can search for them.

However, you can also meet with any unapproved provider of your choice, they are known as Out-of-Network Providers.

In these cases, you can either pay them directly, or be possibly reimbursed by your healthcare provider at a rate different from In-Network Providers.

Review the details of your policy to confirm.

These types of mental health professionals work in a variety of settings, including but not limited to:

  • Outpatient Facilities: treatment occurs outside of a medical facility such as a community clinic, school, or private practice; patients continue to live at home
  • Inpatient Facilities: treatment occurs inside a medical facility such as a hospital and its psychiatric department, where the patient lives temporarily during treatment
If you do not have medical insuranc:

Review options for free or low cost support.

These might be provided by nonprofits, social service agencies, religious organizations, or other entities.

You can apply for health insurance through healthcare.gov or your state's health insurance plan marketplace during open enrollment (usually after November 1st).

If you qualify for medicare or medicaid, you do not need to wait for open enrollment.


Was the death a result of COVID-19?


You can get help with your grief from the Disaster Distress Helpline or the American Red Cross Virtual Family Assistance Center website.

Disaster Distress Helpline


Disaster Distress Helpline


American Red Cross Virtual Family Assistance Center


Review other ways to cover bereavement support expenses.


If the deceased died of COVID:

You can get help with your grief from the Disaster Distress Helpline or the American Red Cross Virtual Family Assistance Center website.

Disaster Distress Helpline


Disaster Distress Helpline


American Red Cross Virtual Family Assistance Center

If the deceased did not die of COVI:

Review other ways to cover bereavement support expenses.


Did the deceased die in a FEMA disaster?


You can get help with your grief from the Disaster Distress Helpline or the American Red Cross Virtual Family Assistance Center website.

Disaster Distress Helpline


Disaster Distress Helpline


American Red Cross Virtual Family Assistance Center


Review other ways to cover bereavement support expenses.


If the deceased died in a FEMA disaster:

You can get help with your grief from the Disaster Distress Helpline or the American Red Cross Virtual Family Assistance Center website.

Disaster Distress Helpline


Disaster Distress Helpline


American Red Cross Virtual Family Assistance Center

If the deceased did not die in a FEMA disaster:

Review other ways to cover bereavement support expenses.


Was the deceased active-duty military?


The surviving spouse, children and parents of the deceased may qualify for bereavement counseling from Veteran's Affairs if the deceased was:

  • A service member who died while serving their country
  • A Reservist who died while on active duty
  • A National Guard soldier who died while on active duty

VA bereavement counseling provides services such as:

  • Outreach
  • Counseling
  • Referrals

Call or email VA Readjustment Counseling Service staff to access bereavement counseling services.

Bereavement counseling through VA


VA Readjustment Counseling Service phone number


VA Readjustment Counseling Service email


Review other ways to cover bereavement support expenses.


If the deceased was active-duty military:

The surviving spouse, children and parents of the deceased may qualify for bereavement counseling from Veteran's Affairs if the deceased was:

  • A service member who died while serving their country
  • A Reservist who died while on active duty
  • A National Guard soldier who died while on active duty

VA bereavement counseling provides services such as:

  • Outreach
  • Counseling
  • Referrals

Call or email VA Readjustment Counseling Service staff to access bereavement counseling services.

Bereavement counseling through VA


VA Readjustment Counseling Service phone number


VA Readjustment Counseling Service email

If the deceased was not active duty military:

Review other ways to cover bereavement support expenses.


Support Mental Health