A Pay-As-You-Go EAP is exactly what it sounds like — instead of paying a flat annual fee, businesses only pay when an employee books a session. Each counselling session is billed individually, which means there are no upfront costs or unused credits at the end of the year. For companies with unpredictable usage, this model ensures they aren’t spending money on services that go untouched. It’s also ideal for startups and growing teams where headcounts can change quickly, since you’re not locked into paying for staff who may no longer be with the business. In short, this model gives companies flexibility and control while still ensuring their employees have access to confidential support when they need it.

Pricing for Pay-As-You-Go EAPs in 2025 varies across providers, but some general benchmarks can be used as a guide. Individual counselling sessions typically cost between $150 and $250 depending on the provider, session length, and whether it’s delivered in-person, by phone, or via telehealth. Many providers also offer prepaid bundles, usually priced between $1,000 and $2,500, which include a set number of sessions at a discounted rate. These bundles are popular with businesses that want to allocate a budget but still keep things flexible. Another advantage is that most Pay-As-You-Go programs don’t require long-term contracts, allowing companies to run the service month-to-month and adjust as needed. For SMEs trying to balance wellbeing with tight budgets, this pay-as-you-use structure can be far more sustainable than traditional EAP subscriptions.

Not all Pay-As-You-Go EAPs are created equal, so it’s important for businesses to compare providers carefully. Start by looking at session rates and whether those rates include extras like follow-up care, manager support, or after-hours availability. Consider the access methods offered, whether employees can connect via phone, app, video, or face-to-face, since accessibility is key to encouraging uptake. Another factor is availability outside of business hours, as employees often need support during evenings or weekends. Confidentiality and reporting policies should also be reviewed closely, ensuring staff trust the service while employers still receive de-identified usage data to measure impact. By weighing these factors, businesses can choose a provider that offers both value and peace of mind.

One of the most frequent concerns employers raise is whether employees will still receive confidential support under a Pay-As-You-Go model. The answer is yes, reputable EAP providers maintain strict confidentiality across all service types, whether subscription-based or pay-as-you-go. Another common question is: what if no one uses the service? In that case, the business simply won’t be charged. However, awareness and communication are vital to making the program effective. Without regular reminders and clear promotion, employees may not even realise the service is available. To get the most out of a Pay-As-You-Go EAP, employers should pair flexibility with strong internal communication so staff feel comfortable reaching out when they need help.