Texas Social Work License Requirements: Your Complete 2026 Guide

LBSW, LMSW & LCSW pathways, exam details, fees, renewal rules, and endorsement steps — all in one place.

By Melissa CarterReviewed by MSWO TeamUpdated June 23, 202624 min read
How to Become a Social Worker in Texas (2026 License Guide)

Points of interest…

  • Texas offers three license tiers (LBSW, LMSW, LCSW), each requiring a CSWE-accredited degree at the corresponding level.
  • Every applicant must pass both an ASWB exam and the Texas Jurisprudence Exam before receiving a license.
  • LCSW candidates must complete supervised post-master's clinical hours under a board-approved supervisor through BHEC.
  • All Texas social work licenses renew every two years, with mandatory continuing education hours each cycle.

Social work in Texas is experiencing steady demand growth, particularly in healthcare and school settings. Entering the profession means meeting the requirements laid out by the Texas Behavioral Health Executive Council (BHEC), which issues three distinct licenses: Licensed Baccalaureate Social Worker (LBSW), Licensed Master Social Worker (LMSW), and Licensed Clinical Social Worker (LCSW). Each tier builds on the previous one, introducing higher educational thresholds, separate ASWB exams, and for clinical licensure, a lengthy supervised practice period. The BHEC pathway tightly links education and examination to what a social worker can legally do, so choosing the right license from the start saves time and expense. This guide covers every step, from selecting a CSWE-accredited degree to renewing your credential, with a how to become a social worker overview for broader context.

Texas Social Work License Levels: LBSW Vs. LMSW Vs. LCSW

Texas issues three distinct social work licenses, each building on the previous level and expanding the scope of what practitioners may legally do. Understanding these tiers is essential before you map out your education and career path.

Overview of the Three License Types

The Texas Behavioral Health Executive Council (BHEC) regulates all three credentials: the Licensed Baccalaureate Social Worker (LBSW), the Licensed Master Social Worker (LMSW), and the Licensed Clinical Social Worker (LCSW).1 Only the LCSW authorizes independent clinical practice, including diagnosis and psychotherapy. The other two licenses permit valuable social work services but require supervision for any clinical activities. For a broader look at how these tiers compare across states, see the levels of social work licensure guide.

Side-by-Side Comparison

RequirementLBSWLMSWLCSW
**Minimum Degree**BSW from a CSWE-accredited programMSW or doctoral degree from a CSWE-accredited programMSW or doctoral degree from a CSWE-accredited program
**ASWB Exam**Bachelors ExaminationMasters ExaminationClinical Examination
**Supervised Experience**None for initial licenseNone for initial license3,000 hours over at least 24 months
**Scope of Practice**Generalist non-clinical social work; cannot independently diagnose or treatAdvanced generalist practice; clinical work only under LCSW supervision; no independent diagnosis or psychotherapyFull independent clinical practice, including diagnosis and psychotherapy
**Independent/Private Practice Permitted**NoNoYes

What Each License Allows

  • LBSW: Holders perform generalist social work tasks such as case management, client advocacy, community outreach, and resource coordination. They may work in schools, child welfare agencies, and nonprofit organizations, but they cannot diagnose mental health conditions or conduct psychotherapy.2
  • LMSW: This license opens doors to advanced practice roles in hospitals, mental health agencies, and clinical settings. However, any clinical work, including assessments that inform diagnosis, must occur under the supervision of an LCSW. The LMSW alone does not grant the authority to practice psychotherapy independently.3
  • LCSW: The clinical license is the only credential in Texas that permits independent diagnosis of mental health disorders and the provision of psychotherapy without supervision. LCSWs may also open private practices, bill insurance directly, and supervise LMSWs pursuing their own clinical hours.4

Choosing the Right Pathway

If your goal is independent clinical work or private practice, the LCSW is your target license. Reaching that level requires earning a graduate degree and completing 3,000 supervised clinical hours over a minimum of two years after you obtain your LMSW. Those planning to work in non-clinical roles, such as school social work, policy advocacy, or community development, may find the LBSW or LMSW sufficient for their career objectives.

Education Requirements for Each License Level

A bachelor's in social work qualifies you for direct-service roles under the LBSW, while a master's is the gateway to advanced practice and clinical licensure. Texas defines a clear academic pathway for each credential, and every requirement hinges on one non-negotiable factor: CSWE accreditation.

CSWE Accreditation: The Non-Negotiable Standard

The Council on Social Work Education (CSWE) is the sole accrediting body for social work degree programs in the United States. The Texas State Board of Social Worker Examiners will only accept a BSW or MSW from a program that holds full CSWE accreditation at the time of graduation. Degrees from programs that are merely candidates for accreditation are not recognized for licensure in Texas. Before committing to any program, confirm its status directly through the CSWE directory.

Education Path for the LBSW

To become a Licensed Baccalaureate Social Worker (LBSW), you must earn a Bachelor of Social Work (BSW) from a CSWE-accredited institution. No other bachelor's degree satisfies this requirement. A BSW curriculum combines foundational social work theory with a supervised field placement, preparing you for generalist practice and the ASWB Bachelors exam.

Education Path for the LMSW and LCSW

Both the Licensed Master Social Worker (LMSW) and the Licensed Clinical Social Worker (LCSW) require a Master of Social Work (MSW) from a CSWE-accredited program. The MSW is the standard for advanced practice in Texas. If you already hold a BSW from a CSWE-accredited program, many MSW programs offer Advanced Standing, which can shorten the degree to approximately one year. Without a BSW, the MSW typically takes two years of full-time study. You can explore MSW programs in Texas online through our directory. For a broader look at the social work career path, visit our guide at /careers/how-to-become-a-social-worker/.

ASWB Exams and the Texas Jurisprudence Exam

To become a licensed social worker in Texas, you must pass two separate exams: the national ASWB exam corresponding to your license level, and the state-specific Texas Jurisprudence Exam. Both are required for every license category, and the process demands careful sequencing.

Mapping ASWB Exams to Texas License Levels

The ASWB offers five exam categories, but Texas only uses three. The Bachelors exam leads to the Licensed Baccalaureate Social Worker (LBSW) credential. The Masters exam is required for the Licensed Master Social Worker (LMSW). At the highest tier, the Clinical exam is necessary for the LCSW career path. Each exam tests knowledge appropriate to that education and practice level.

The Sequencing of Exam Registration

You cannot register directly with ASWB. Texas requires preapproval from the Texas Behavioral Health Executive Council (BHEC) before you can sit for any ASWB exam.1 Submit your application for preapproval to BHEC, including a $60 fee.2 Once approved, you have 12 months to register with ASWB and schedule your exam at a Pearson VUE testing center.2 If the preapproval expires before you test, you must reapply and pay the fee again. This sequencing is critical: attempting to register with ASWB without BHEC preapproval will result in denial.

Taking the Texas Jurisprudence Exam

All applicants must also pass the Texas Jurisprudence Exam, which covers state laws, rules, and ethical standards governing social work practice.1 The exam is delivered online in an open-book format, consists of 126 questions, and is graded on a pass/fail basis with no scaled score.2 You can access the exam through the BHEC website after paying a $39 fee.2 Once passed, your score remains valid for only 6 months, so you must apply for your license within that window or retake the exam.1

Coordinating Exam Windows and Fees

Timing matters because the validity periods differ. BHEC preapproval lasts 12 months, but jurisprudence scores expire after 6 months.1 Plan to take the jurisprudence exam closer to your license application date to avoid a retest. ASWB exam fees are $230 each for the Bachelors and Masters exams.2 The Clinical exam carries a separate fee set by ASWB; check their website for the current amount when you register. Budget for the preapproval fee, ASWB fee, and jurisprudence fee as you move through the licensure pipeline.

Questions to Ask Yourself

If you want to diagnose, bill insurance directly, or operate without agency supervision, you must pursue the LCSW. An LMSW limits you to supervised roles within organizations.

Texas requires CSWE accreditation for licensure, not candidacy status. Graduating from an unaccredited or candidacy-only program can delay or disqualify your application, wasting time and tuition.

Texas mandates thousands of hours of post-degree supervision under an approved clinical supervisor. If you cannot secure structured supervision, the clinical license remains out of reach until you do.

Each ASWB exam attempt, fingerprinting, jurisprudence exam, and biennial renewal carries separate fees. Underestimating these costs can delay your timeline if you need to pause and save.

Supervised Clinical Experience for LCSW Licensure

What supervised clinical experience do you need for LCSW licensure in Texas?

Earning the Licensed Clinical Social Worker (LCSW) credential in Texas requires completing a substantial period of post-master's supervised practice. The Texas Behavioral Health Executive Council (BHEC) establishes all rules, including the exact number of hours, how they must be distributed, and who can supervise you. Because these requirements can change, you should always refer to the BHEC's current administrative code and official website for the most up-to-date details.

Understanding the Clinical Experience Requirements

The supervised experience is designed to ensure you develop competent clinical skills before practicing independently. While you must verify the precise figures with the board, the framework generally includes:

  • Total supervised practice hours: The board specifies a minimum number of post-master's practice hours you must accumulate under an approved supervisor.
  • Direct client contact: A portion of those hours must involve face-to-face clinical services with clients, such as assessment, diagnosis, and psychotherapy.
  • Supervision sessions: You are required to meet with your supervisor for a certain number of hours per week or per total hours worked. This can include individual and group supervision, but the board defines what ratios are acceptable.
  • Timeframe: The experience must be completed within a set period, typically a minimum and maximum number of years. Check BHEC guidelines for any recent flexibility, such as part-time allowances.

Because the board periodically revises these details, do not rely on second-hand summaries. Always cross-reference the BHEC's published rules or contact them directly if you have questions.

Locating an Approved Supervisor

Finding a board-approved supervisor is often one of the most challenging steps for aspiring LCSWs. LCSW requirements in Colorado illustrate how supervision structures differ by state, underscoring why Texas candidates must confirm every detail with the BHEC. Consider these practical avenues:

  • Your graduate program: Many Texas MSW programs maintain field placement offices or alumni networks that can connect you with experienced LCSW supervisors. Schools in the UT or UH systems may offer guidance even after you graduate.
  • NASW Texas chapter: Reach out to the National Association of Social Workers Texas chapter. They frequently host networking events, maintain referral lists, or can advise on typical supervision costs and negotiation strategies.
  • Supervision groups: Group supervision can lower individual fees while providing diverse clinical perspectives. Ask potential supervisors if they offer group rates or can recommend such arrangements.
  • Online directories and professional forums: Some social work organizations compile lists of approved supervisors, though you must verify their credentials with the board.

Supervision fees vary widely, so it is wise to discuss payment structures upfront. Some supervisors charge per session, while others may offer monthly retainers.

Remote Supervision and Staying Current

Telehealth and remote work have prompted many states to clarify their stance on virtual supervision. The BHEC may permit fully or partially remote supervision under certain conditions. Check the board's FAQs and administrative rules for the latest policies on:

  • Whether supervision can occur entirely via video conferencing.
  • Any in-person meeting requirements.
  • Technology and privacy standards supervisors must meet.

Because Texas regulations can shift, always consult the BHEC website or contact them directly to ensure your supervision arrangement complies with current rules. The board's website is your primary source for official application forms, supervisor verification documents, and any upcoming changes.

Application Steps, Fees, and Background Checks

Applying for a Texas social work license means submitting a set of documents and credentials to the Texas Behavioral Health Executive Council (BHEC), the state agency that oversees social work licensure.1 Every application is completed online through the BHEC portal, and the materials you submit will vary slightly depending on which license level you are seeking.

How to Submit Your Application

The process follows a consistent sequence across all three license levels:

  • Create a BHEC account: Register at the BHEC online portal and start your application for the LBSW, LMSW, or LCSW.
  • Submit official transcripts: Your degree-granting institution must send transcripts directly to BHEC. This step is one of the most common delay triggers, so request transcripts early.
  • Submit exam scores: ASWB transmits your passing score to BHEC after you complete the licensing examination. You do not need to send this yourself, but confirm it has been received.
  • Complete fingerprinting: Texas requires a fingerprint-based background check through IdentoGO, the state's designated vendor.1 Fingerprinting fees typically run between $38 and $45, depending on the service location and appointment type.1
  • Submit an NPDB self-query: BHEC requires applicants to query the National Practitioner Data Bank on themselves. This fee is nominal, generally in the $4 to $6 range.2
  • Supervisory verification (LCSW only): If you are applying for the clinical license, your licensed supervisor must submit documentation confirming your hours and the terms of your supervised experience. Incomplete or missing supervision records are a leading cause of application delays at this level.

Application Fees

As of the BHEC fee schedule updated in October 2024, the application fees are:3

  • LBSW: $109
  • LMSW: $109
  • LCSW: $120

If you already hold a lower-level license and are upgrading, BHEC charges an upgrade fee of $24.3 There is also a $39 jurisprudence exam fee, which covers the Texas-specific law and ethics examination required before licensure is granted.3 Always verify current fees directly on the BHEC website, as these figures are subject to change.

Processing Times and Common Delays

BHEC does not publish a guaranteed processing window, but applicants commonly report timelines ranging from several weeks to a few months depending on application volume and how quickly supporting materials arrive. The most frequent reasons for delays include late transcript submissions from schools, background check flags that require manual review, and incomplete supervision documentation for LCSW applicants.

To move your application forward as efficiently as possible, submit all materials at the same time, follow up directly with your institution about transcript delivery, and confirm with your supervisor well in advance that they are prepared to complete their portion of the application.

For a broader look at how Texas licensure fits into the national landscape, visit the social work licensure hub or review licensing level comparisons for social workers.

Total Cost to Get Licensed in Texas

Beyond tuition, aspiring social workers in Texas should budget for several out-of-pocket licensing fees. The figures below represent approximate costs for the LMSW pathway, which is the most common route. LBSW totals are similar, while LCSW candidates pay an additional application fee on top of their earlier LMSW costs. Because fees may change, always verify current amounts on the BHEC website before applying.

Approximate out-of-pocket licensing costs for Texas LMSW totaling roughly $392, excluding tuition

License Renewal and Continuing Education (CE) Requirements

Every Texas social worker must stay current through biennial renewal and structured continuing education, or risk losing legal authority to practice. Texas requires all LBSW, LMSW, and LCSW licensees to renew every two years, and the renewal process is exclusively online through the Texas Behavioral Health Executive Council (BHEC) portal.1 Renewal fees and deadlines are set by BHEC, and licensees receive notification approximately 90 days before expiration. Failure to renew on time triggers immediate license delinquency and prohibits practice under the credential.

Continuing Education Hour Requirements

All three Texas social work license levels share identical CE requirements: 30 hours of approved continuing education for social workers during each two-year renewal cycle.2 Within that 30-hour total, at least 6 hours must address professional ethics and at least 3 hours must cover cultural competency.2 Texas also mandates completion of human trafficking prevention training, approved by the Texas Health and Human Services Commission (HHSC), though this requirement may be satisfied within the broader 30-hour total if the course meets both CE and trafficking-prevention criteria.

Licensees who supervise social workers pursuing clinical licensure must earn an additional 6 hours of supervision-specific CE, but these hours count toward the 30-hour total rather than stacking on top.2 Texas places no limit on the number of CE hours that may be completed online, and at least 15 of the 30 hours must come from BHEC-approved providers.4 The remaining hours may be earned through related professional development activities that meet BHEC criteria, such as presenting at conferences or publishing peer-reviewed work.

CE Broker Reporting and Provider Approval

Beginning January 1, 2026, Texas transitioned to mandatory CE Broker reporting.5 All licensees must have an active CE Broker account, and approved CE providers submit course completions directly to the system. Licensees can verify that a provider is BHEC-approved by checking the provider's BHEC approval number and confirming the course appears in CE Broker after completion. BHEC audits approximately 5 percent of renewals each cycle, and audited licensees must produce documentation of all reported CE hours within a specified timeframe.

Lapsed License and Reinstatement

If a license expires and is not renewed within one year, the credential becomes void and the individual must apply for a new license rather than simply renewing. During the one-year delinquency window, reinstatement is possible by paying renewal fees, late penalties, and submitting proof of the required 30 CE hours. Practicing social work on a lapsed or expired license constitutes unlicensed practice and may result in administrative penalties, fines, and barriers to future licensure. Licensees nearing expiration should monitor their CE Broker dashboard and BHEC renewal notices to avoid gaps in legal practice authority.

Transferring Your License to Texas: Endorsement and the Licensure Compact

Endorsement is the formal process that allows social workers licensed in another state to obtain a Texas credential without starting from scratch. Texas does not offer traditional reciprocity, meaning your out-of-state license does not automatically convert to a Texas license. Instead, you must apply through the Texas Behavioral Health Executive Council (BHEC) and demonstrate that your qualifications meet Texas-specific standards.1

The Endorsement Application Process

If you hold an active, unrestricted social work license in another jurisdiction, you may apply for a Texas LBSW, LMSW, or LCSW by endorsement. BHEC will evaluate your credentials against Texas requirements, which typically include:

  • License verification: Request that your current licensing board send official verification directly to BHEC, confirming your license status and any disciplinary history.
  • Official transcripts: Provide transcripts showing completion of a CSWE-accredited BSW or MSW program, depending on the license level you seek.
  • ASWB exam scores: Submit documentation of your passing score on the appropriate ASWB examination (Bachelors, Masters, or Clinical).
  • Texas Jurisprudence Exam: All endorsement applicants must pass this open-book exam covering Texas laws and rules governing social work practice.
  • Background check: Complete fingerprinting through an approved vendor so BHEC can conduct a criminal history review.

BHEC reviews applications individually, so processing times can vary. Check the official BHEC website for current fee schedules and detailed instructions, as these may change.

The ASWB Social Work Licensure Compact

The Social Work Licensure Compact is a multistate agreement designed to improve license portability for social workers. The compact officially activated on May 18, 2026,2 though member states have not yet begun issuing multistate licenses.

As of mid-2026, Texas has not enacted the compact. However, pending legislation (HB 3503 and SB 1726) would authorize Texas to join. The next consideration date for this legislation is January 2027.1 If Texas enacts the compact, licensed social workers from other member states could eventually practice in Texas under a multistate privilege without obtaining a separate Texas license. Until then, endorsement remains the required pathway. States like New Mexico, which has its own social work licensure requirements, illustrate how endorsement processes can differ meaningfully across jurisdictions.

Military Spouse and Veteran Provisions

Texas law includes expedited licensing provisions for military spouses and veterans. If you are an active-duty service member, military spouse, or veteran relocating to Texas, you may qualify for accelerated application review or temporary practice authorization while your endorsement application is processed. Contact BHEC directly to confirm eligibility and request expedited handling when you submit your application materials.

For the most current endorsement requirements and fee information, visit the Texas BHEC website or review their Interstate Licensing Compact FAQ.1

Path to Social Work Licensure in Texas

The road from enrollment to full clinical licensure in Texas follows a clear credentialing ladder. Each license level builds on the one before it, and how far you climb depends on your career goals. Below is the general sequence, with approximate time markers to help you plan.

Six-step timeline from earning a social work degree through LCSW clinical licensure in Texas, spanning roughly 6 to 10 years total

Social Worker Salary in Texas by License Level

The table below draws on Bureau of Labor Statistics wage data for social work occupations in Texas. Because BLS figures reflect broad occupational categories rather than individual license levels, use them as a practical guide: child, family, and school social worker wages align most closely with LBSW and entry-level LMSW roles, while healthcare social worker wages better represent the clinical practice settings where LCSWs typically work. For a comprehensive national salary breakdown, visit the full salary guide on mastersinsocialworkonline.org.

BLS Occupational CategoryApproximate License AlignmentTotal Employed in Texas25th PercentileMedian Salary75th Percentile
Child, Family, and School Social WorkersLBSW / Entry-Level LMSW26,490$42,910$49,940$60,110
Healthcare Social WorkersLMSW / LCSW11,470$53,010$69,960$81,310
Social Workers, All OtherVaries by Setting2,700$53,200$89,520$113,840

Top-Paying Metro Areas for Social Workers in Texas

Geographic location plays a major role in social work compensation across Texas. The table below compares median annual wages and estimated employment across major metro areas for three common social work occupational categories. If you are planning a relocation or targeting your job search, metros like Dallas-Fort Worth and San Antonio stand out for combining strong pay with large workforces, while smaller metros such as Killeen-Temple offer competitive salaries in a less crowded market. All figures are based on 2024 Occupational Employment and Wage Statistics from the U.S. Bureau of Labor Statistics.

Metro AreaSpecialtyEstimated EmploymentMedian Annual Wage25th Percentile75th Percentile
Dallas-Fort Worth-ArlingtonChild, Family, and School Social Workers5,360$54,850$46,350$62,500
Dallas-Fort Worth-ArlingtonHealthcare Social Workers2,580$74,590$61,010$85,620
Dallas-Fort Worth-ArlingtonSocial Workers, All Other600$102,020$59,930$130,440
Houston-Pasadena-The WoodlandsChild, Family, and School Social Workers4,800$50,710$45,790$60,350
Houston-Pasadena-The WoodlandsHealthcare Social Workers3,120$73,030$51,170$82,960
Houston-Pasadena-The WoodlandsSocial Workers, All Other520$98,030$59,270$121,180
San Antonio-New BraunfelsChild, Family, and School Social Workers2,880$53,670$46,670$62,130
San Antonio-New BraunfelsHealthcare Social Workers1,030$69,780$57,740$81,990
San Antonio-New BraunfelsSocial Workers, All Other330$102,900$91,600$120,760
Austin-Round Rock-San MarcosChild, Family, and School Social Workers1,930$53,370$46,290$62,250
Austin-Round Rock-San MarcosHealthcare Social Workers930$75,650$59,370$84,070
Austin-Round Rock-San MarcosSocial Workers, All Other190$65,000$49,110$111,860
El PasoChild, Family, and School Social Workers770$48,790$43,750$58,410
El PasoHealthcare Social Workers520$52,680$28,590$76,280
El PasoSocial Workers, All Other170$92,850$70,830$104,330
Killeen-TempleChild, Family, and School Social Workers450$51,090$45,790$59,390
Killeen-TempleHealthcare Social Workers190$62,630$45,110$75,810
Killeen-TempleSocial Workers, All Other150$102,590$91,120$112,530
Corpus ChristiChild, Family, and School Social Workers420$53,670$46,460$63,650
Corpus ChristiHealthcare Social Workers180$65,210$52,710$79,180
McAllen-Edinburg-MissionChild, Family, and School Social Workers750$48,790$39,640$60,610
McAllen-Edinburg-MissionHealthcare Social Workers330$60,220$36,970$66,700
McAllen-Edinburg-MissionSocial Workers, All Other80$41,130$41,120$58,710
Brownsville-HarlingenChild, Family, and School Social Workers3,260$40,330$40,290$45,500
Brownsville-HarlingenHealthcare Social Workers170$60,000$45,330$74,600
Brownsville-HarlingenSocial Workers, All Other60$49,100$35,160$83,550

Frequently Asked Questions About Texas Social Work Licensure

Below are answers to some of the most common questions prospective licensees ask about the Texas social work licensing process. For deeper detail on any topic, refer to the corresponding section earlier in this guide or visit the BHEC website directly.

Timeline depends on the license level. If you already hold a CSWE-accredited degree, the LBSW or LMSW process (application, background check, and exam) typically takes a few weeks to a few months. The LCSW adds a supervised clinical experience period of roughly two to three years on top of that. Processing times vary, so check with BHEC for current estimates.

Texas requires the ASWB Clinical exam for the Licensed Clinical Social Worker credential. You must first hold an LMSW and complete the required supervised clinical hours before you are eligible to sit for this exam. Registration is handled through the ASWB portal after BHEC confirms your eligibility. See the earlier section on ASWB exams for registration steps.

Texas requires a substantial number of post-master's supervised clinical hours under an approved supervisor before you can apply for the LCSW. The exact hour requirement and the ratio of direct client contact to supervision are set by BHEC. Confirm the current totals on the board's website, and review the supervised experience section of this guide for supervisor qualification details.

Yes. Texas offers an endorsement pathway for social workers licensed in other states. You generally must demonstrate equivalent education, exam history, and practice experience. Texas has also joined the ASWB Social Work Licensure Compact, which may simplify multistate practice. The endorsement and compact section earlier in this article outlines the process in full.

Licensed social workers in Texas must complete a set number of continuing education hours each renewal cycle. Requirements include ethics content and, depending on your license level, clinical topics. BHEC specifies approved providers and acceptable course formats. Consult the renewal and CE section above and verify current hour totals directly with the board.

Yes, Texas accepts MSW degrees earned through online programs as long as the program holds accreditation from the Council on Social Work Education (CSWE). The delivery format does not matter; CSWE accreditation is what counts. You can explore accredited online MSW options on mastersinsocialworkonline.org's Texas programs page.

Total costs include the BHEC application fee, ASWB exam fee, fingerprinting and background check charges, and the Texas Jurisprudence Exam fee. Combined, these can add up to several hundred dollars. Exact amounts change periodically, so confirm current fees on the BHEC website. The cost infographic earlier in this guide provides a helpful breakdown of each expense category.

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