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Top 10 Best Online Therapy Services Covered by Insurance in 2024

Nicky Lowney
The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Best Online Therapy That Takes Insurance
Online therapy provides individuals seeking guidance from licensed therapists with a convenient and flexible alternative to traditional in-person sessions. One crucial aspect to consider when choosing an online therapy provider is insurance coverage, which makes mental health services more affordable for many individuals.

In an age where healthcare expenses often impede access to essential services, insurance-covered online therapy emerges as a beacon of hope.

Navigating the complexities of mental health care should not add to your stress. Recent research underscores that cost remains a substantial barrier preventing U.S. adults with mental health conditions from accessing necessary care.

A study highlighted by Ballard Brief found that 42% of Americans who did not receive mental health treatment cited cost as the primary obstacle. Mental Health America corroborates this finding, with 42% of adults with unmet treatment needs attributing this to financial constraints.

Fortunately, online therapy providers that accept insurance help alleviate this financial burden, enabling individuals to receive the support they need without worrying about out-of-pocket expenses. Here, we list the best online therapy services that take insurance or support insurance reimbursement.

Our Top 10 Best Online Therapy That Takes Insurance in 2024:

Our Methodology: How We Reviewed the Best Online Therapy Services That Take Insurance

To help narrow down your options, we’ve analyzed user reviews given by real patients to find the most trusted and accredited online therapy services available. We compared several important key factors to create our list of providers, including:

  • Price and affordability

  • Therapist certifications (PsyD, Ph.D., LCSW, LPS)

  • Available methods of communication (text messaging, voice calls, video calls)

  • Reviews and overall customer satisfaction

These services not only accept insurance but are also some of the best online therapy options on the market.

Looking for affordable online therapy?BetterHelp offers affordable pricing plans and a service you can trust. While they may not accept insurance, you can apply for reimbursement via your insurance provider. Visit Site

Our 10 Best Online Therapy That Takes Insurance - Reviews:

Here's a round-up of the top 10 online therapy providers that take insurance, so you can choose the one that fits you best.

1. Talkspace

Best for - Busy professionals seeking highly tailored online therapy Visit Site

Session Types: Text, video, and audio messaging; live video sessions (for Premium and Ultimate plans)

Is insurance accepted as a form of payment? Yes

Talkspace stands as a leading online therapy platform, acclaimed by millions for its comprehensive mental health services. This user-friendly platform provides dedicated support for conditions such as depression, anxiety, and addiction, going beyond standard services to also offer psychiatric evaluations and medication management. 

Unique to Talkspace is its range of therapy options, including individual, couples, and teen counseling, catering to diverse needs. Its innovative matching system ensures clients connect with the most suitable therapist and the flexibility to switch therapists at no extra charge guarantees a comfortable, personalized therapy experience. 

Talkspace also offers a range of educational workshops and videos through its Video + Message + Workshops plan. Live workshops, available Monday through Thursday each week, are led by therapists and cover diverse topics like emotional safety, focus management, and parenting strategies. Participants can engage in exercises, reflections, and ask questions anonymously. 

The Talkspace Go app also includes hundreds of classes and live workshops designed to support mental health improvements in as little as five minutes a day.

What Insurance Does Talkspace Accept? 

Talkspace accepts most major insurance companies, including Aetna, Blue Cross Blue Shield, Cigna, GatorCare, Optun, Premera, and more. Although Talkspace isn't available through Medicare or Medicaid, they do partner with several U.S. healthcare providers, Employee Assistance Programs (EAP), and educational organizations.

Cost and Payment Options

Talkspace has three available plans. If you don't have health insurance, prices can vary from $69 to $109 per session.

  • Messaging Therapy (starting at $69 per session) provides a private chatroom where you can send messages to a licensed therapist but does not include live sessions.

  • Video Plus Messaging Therapy (starting at $99 per session) includes a private chatroom and four 30-minute live therapy sessions per month.

  • Video Plus Messaging Plus Workshops (starting at $109 per session) Includes everything from the first two plans, in addition, to live group workshops, which are held via Zoom and led by licensed therapists.

They also offer psychiatric services outside of their messaging therapy, starting at $249 for an initial evaluation and then $125 for every follow-up visit. 

However, if you have insurance, the company estimates that up to 100% of your monthly cost might be covered; although survey respondents reported spending an average of $150 each month without insurance coverage.

Why we choseTalkspace: Talkspace stood out to us thanks to its peer-reviewed algorithm for matching therapists, which helps ensure you're paired with a specialist suited to your specific needs. The added perk of Talkspace's educational workshops and the innovative Talkspace Go app, further solidified our choice.

Our Experience: Talkspace offers a user-friendly platform for clients to feel supported and understood. The live video sessions, along with unlimited messaging, provided us with an engaging and personalized therapy experience.


  • Choose your therapist and switch therapists at no extra cost

  • Flexible payment plans that fit your budget

  • Unlimited messaging therapy


  • Not all therapists will be the right fit

  • Does not offer a free trial

Read full Talkspace review

Talkspace Talkspace Visit Site

2. BetterHelp

Best for - First time therapy goers who will need guidance finding the right therapist for them Visit Site

Session Types: Text, live chat, video call, phone call 

Is insurance accepted as a form of payment? No, but you can apply to get reimbursed by your insurance provider

BetterHelp is rated as one of the best online counseling services in the industry. With over 30,000 licensed therapists, BetterHelp is available for individuals, couples, and teens via SMS, chat, phone, and video sessions. 

They offer various types of treatments for conditions like depression, anxiety, addictions, and anger management, and will match you with a therapist in just 24 hours of signing up. While BetterHelp doesn't accept insurance as a form of payment, they offer affordable prices on therapy, and you may apply for partial reimbursement with your insurance company.

Cost and Payment Options

BetterHelp tailors your treatment plan according to what you're struggling with. The cost ranges from $65 to $90 per week, billed monthly through credit card or your PayPal account - so your monthly charge will be somewhere between $260 and $360.

Why we chose BetterHelp: BetterHelp's commitment to matching clients with therapists that best meet their needs and preferences showed a high degree of personalization. We also valued BetterHelp's dedication to continued learning, as evidenced by their comprehensive library of mental health resources.

Our Experience: We appreciated the broad range of therapists available on BetterHelp, which helped tailor the service to our needs. The platform's app was straightforward to use for communication and appointment scheduling.


  • Scientifically-proven results

  • Personalized service

  • Unlimited one-on-one communication


  • Not all therapists are good for specialty needs

Read full BetterHelp review

BetterHelp BetterHelp Visit Site

3. MDLive

Best for - Busy individuals needing flexible scheduling and the option for same-day appointments. Visit Site

Best for: Busy individuals needing flexible scheduling and the option for same-day appointments. 

Is insurance accepted as a form of payment? Yes

MDLive therapists can help you work through a huge range of mental health issues, including addiction, depression, eating disorders, grief, LGBTQ support, trauma, stress, and more. Their licensed therapists have an average of over 10 years of experience. MDLive’s online services come highly recommended and they have already helped millions of people find the support they need.

What Insurance Does MD Live Accept? 

MDLive works with both Medicare and employer-provided insurance plans, as well as private insurance plans that cover virtual doctor’s visits. MDLive is HIPAA-compliant and holds a strict code of ethics to uphold the privacy and safety of its patients.

Cost and Payment Options

Without using insurance, each 45-60 minute therapy session with MDLive costs $108. For appointments with psychiatrists, an initial 30-minute session would cost $284, and every follow-up session after that costs $108 for a 15-minute session.

Why we chose MDLive: MDLive's seamless integration with major EHR (Electronic Health Record) systems sets it apart, facilitating efficient coordination between primary care providers and mental health professionals. The platform offers secure video and phone sessions covering various therapy areas, accommodating clients' diverse needs. 

Our Experience: We like the flexibility that MDLive offers to choose how many sessions you would like without having to pay for a monthly subscription. You can also schedule an appointment right away and some providers even offer same day and weekend sessions. The provider profiles available on the site also offer a great way to get a sense of their personality as well as their areas of expertise


  • Convenient video and phone sessions

  • Choose your own therapist

  • 24/7 access


  • Not currently accepting urgent care

  • High initial therapy session cost

MDLive MDLive Visit Site

4. BrightSide

Best for - Individuals experiencing depression or anxiety Visit Site

Session Types: Video calls, phone calls, and app-based messaging

Is insurance accepted as a form of payment? Yes

BrightSide is a leading provider of affordable online therapy and behavioral health services, specializing in Cognitive Behavioral Therapy (CBT) and medication management. With a user-friendly website and convenient mobile app, BrightSide offers accessible talk therapy to address a wide range of mental health concerns. From depression and anxiety to ADHD and other disorders, their comprehensive approach ensures personalized care for every individual. 

What Insurance Does BrightSide Accept?

BrightSide accepts in-network insurance coverage through numerous providers such as Aetna, Cigna, Medicare, and more—offering affordable and accessible treatment from one of their many professional therapists.

Cost and Payment Options

BrightSide offers different plans ranging from $95 to $349 a month:

  • The Psychiatry Plan, costing $95 a month, includes a comprehensive evaluation with a psychiatric provider as well as ongoing support and any necessary adjustments to your plan. 
  • The Therapy Plan, priced at $299 a month, includes four video sessions and unlimited messaging with a licensed therapist. You can also add additional 45 minute video appointments for $59 per session..
  • The Medication and Therapy Plan costs $349 per month and combines the benefits of the other plans, including evaluation and diagnosis. A licensed therapist replaces the counselor in this plan, allowing them to monitor your medication treatments and communicate with your physician.

Why we chose BrightSide: We chose BrightSide for its data driven platform that helps you keep track of your symptoms through helpful bi-weekly questionnaires. With its network of licesnes professionals and its use of evidence based-methods, BrightSide makes the extra effort to help you prioritzie your mental health. 

Our Experience: BrightSide's integration of therapy and medication management added an extra layer of support, while the consistent access to a dedicated care team ensured personalized treatment tailored to individual needs.


  • Online therapy and medication provision
  • Collaborative care model for maximum, holistic care
  • Highly cost-effective therapy


  • Limited scope of disorders treated
  • Not all plans available in all states

Read full BrightSide review 

Brightside Brightside Visit Site

5. LiveHealth Online

Best For - Individuals seeking on-demand access to a diverse network of mental health professionals Visit Site

Session Types: Messaging and live video calls

Is insurance accepted as a form of payment? Yes

LiveHealth Online is a trusted platform that offers secure and convenient access to licensed healthcare professionals directly from your computer or mobile device. Their comprehensive mental health services encompass both therapy and psychiatry, providing support for a wide range of conditions including anxiety, depression, stress, and bipolar disorder. 

LiveHealth also offers therapy options to help support mental health in children. According to the National Alliance on Mental Illness (NAMI), each year, one out of every six children in the United States are found to be struggling with a mental illness. And thanks to providers like LiveHealth, if your child falls under this bracket, you and your family do not have to manage this on your own. 

What Insurance Does LiveHealth Online Accept?

LiveHealth Online is partnered with numerous insurance providers including Aetna, Anthem, Blue Cross Blue Shield, Cigna, and UnitedHealthcare, among others. This broad insurance acceptance makes it possible for many users to receive quality mental health care at a reduced cost.

Cost and Payment Options

LiveHealth Online offers therapy sessions at a standard fee of $95 per session, while psychiatry sessions start at $185 for the first visit and $80 for follow-ups. However, the actual cost can be significantly less or even zero, depending on your insurance coverage.

Why we chose LiveHealth Online: LiveHealth Online's accessibility, broad range of mental health services, and extensive insurance coverage set it apart. The platform's commitment to providing quality mental health care services at affordable rates makes it a commendable choice for those seeking professional help for mental health concerns.

Our Experience: LiveHealth Online provided a seamless and efficient way to connect with highly skilled mental health professionals. The added advantage of psychiatry services offered an integrated and holistic approach to mental health care.


  • Access to both therapy and psychiatry services
  • Wide range of accepted insurance providers
  • Convenient and flexible scheduling


  • Sessions could be cost-prohibitive without insurance
  • No messaging or phone call option for therapy sessions

LiveHealth Online LiveHealth Online Visit Site

 6. Amwell

Best for - Individuals looking for a low-commitment therapy and medication management option Visit Site

Session Types: Video

Is insurance accepted as a form of payment? Yes

Amwell has more than 350 licensed psychologists and social workers. Therapy sessions last about 45 minutes and there are licensed therapists on-call to provide treatment whenever you need it most. Amwell offers a feature that allows you to turn off your camera so that the virtual therapist can't see your face during the sessions, and you are guaranteed the highest level of privacy and comfort 

What Insurance Does Amwell Accept? 

Amwell is one of the most reputable places for online therapy that takes insurance. Working with approximately 50 different carriers—like Aetna, Anthem, Blue Cross Blue Shield, Medica, UnitedHealthcare, and WebTPA—Amwell brings affordable online therapy to many people across the country. 

Cost and Payment Options

Amwell doesn't offer bundled service packages or subscription plans. You pay for each session at the time of booking and prices depend on your therapist's experience level and whether you're covered by insurance. Sessions with licensed therapists are between $109 and $129 per appointment depending on where you live. Psychiatrist appointments cost $279 for the first visit and then $109 for each follow-up visit.

Why we chose Amwell: Amwell stands out for its 24/7 availability, offering immediate access to mental health professionals even during weekends and holidays. The HIPAA-compliant service ensures clients' privacy, while the versatile platform supports individual, couples, and teen counseling, catering to a wide range of therapy needs.

Our Experience: We appreciate Amwell's subscription-free model, allowing users to access their services without signing up for a subscription. The convenience of scheduling appointments with therapists and obtaining prescriptions without visiting a doctor's office creates a seamless experience for those in need of immediate mental health care.


  • Accredited by the ATA

  • Visits anywhere/anytime

  • High-quality video streaming


  • Limited payment options

  • No discounts offered

  • Payment required upfront

Read full Amwell review

Amwell Amwell Visit Site

7. Thriveworks

Best for - Those seeking online therapy with the option to meet your therapist face-to-face Visit Site

Session Types: In-person, phone calls, video calls, and app-based messaging

Is insurance accepted as a form of payment? Yes

Thriveworks is a comprehensive platform delivering online therapy and counseling services, addressing a broad spectrum of mental health concerns, including anxiety, depression, stress, trauma, and relationship problems. 

This user-friendly service offers flexible scheduling options, providing sessions through multiple channels such as phone calls, video conferencing, in-person consultations, or even app-based messaging. With a focus on accessibility and convenience, Thriveworks makes mental health care more approachable and manageable for everyone, ensuring professional help is just a click or call away.

What Insurance Does Thriveworks Accept?

Thriveworks accepts most major insurance plans such as Aetna, Blue Cross Blue Shield, Cigna, Humana, Medicare, and United Healthcare. This ensures affordable treatment options for their clients with the backing of a wide network of licensed mental healthcare professionals.

Cost and Payment Options

Thriveworks offers a membership program at $99 per month. This includes:

  • One therapy session per month
  •  Access to their therapy app for scheduling and messaging
  • Exclusive video content focused on mental health and wellbeing

Additional individual therapy sessions are available at varying rates based on factors such as location and therapist specialty.

Why we chose Thriveworks:The accessibility and flexibility in scheduling sessions make Thriveworks stand out, allowing clients to choose from a variety of session types to best suit their individual needs. 

Our Experience: The attentiveness and expertise of the professionals made the experience feel personalized and efficient. Access to the therapy app for messaging and scheduling, as well as the exclusive video content related to mental wellbeing, further added to the comprehensive nature of the service.


  • Wide range of mental health concerns addressed
  • Flexible and convenient scheduling, including in-person sessions 
  • Network of experienced and highly-trained professionals
  • Accepts most major insurance plans


  • Monthly membership fee required, but additional sessions may incur extra costs
  • Individual session prices may vary based on multiple factors
  • App-based messaging available only to members

Read full Thriveworks Review

Thriveworks Thriveworks Visit Site

8. Doctor on Demand

Best for - Busy individuals needing flexible scheduling and the option for same-day appointments. Visit Site

Is insurance accepted as a form of payment? Yes

Doctor on Demand has a team of therapists and psychiatrists that have been rated 4.9 out of 5 by patients. You'll begin the signup process by filling out a questionnaire, and Doctor on Demand will match you with a therapist who specializes in your area of concern. 

Alternatively, you can browse the network - it's easy to find a therapist based on their background and qualifications. Doctor on Demand psychiatrists can also prescribe medication as part of the therapy session.

What Insurance Does Doctor on Demand Accept? 

Doctor on Demand accepts many insurance plans, including United Healthcare, Cigna, Humana, and Aetna. They have also made it easy to check if your insurance company is covered, which you can do when you register. 

Cost and Payment Options

Doctor on Demand doesn't have monthly subscription plans, so talk therapy sessions cost $129 for a 25-minute session and $179 for a 50-minute session. Psychiatry sessions cost $299 for your first 45-minute session, then follow-up psychiatry appointments will only cost you $129 each (for 15 minutes).

Why we chose Doctor on Demand: Doctor on Demand's strong emphasis on integrating mental health care with overall medical care sets it apart, offering clients a comprehensive approach to well-being. The platform's user-friendly interface streamlines appointment scheduling, while board-certified mental health professionals provide customized treatment plans to suit individual needs

Our Experience: We found the Doctor on Demand service to be streamlined and convenient. The doctors are prompt, compassionate and able to fill a prescription without hassle. Professionals are available 24/7 so you can receive the care you need anytime. 


  • Available 24/7

  • Available with or without insurance

  • Choose your own therapist or psychiatrist


  • Currently doesn’t accept Medicare

  • Mental health costs are higher than competitors

  • No subscription plans available

Read full Doctor on Demand review

Doctor on Demand Doctor on Demand Visit Site

9. Teladoc

Best for - 24/7 comprehensive virtual care Visit Site

Session Types: Phone and video consultations

Is insurance accepted as a form of payment? Yes

Teladoc is a premier telehealth provider offering a broad spectrum of healthcare services online, from routine care to specialized support for chronic conditions and mental health. Its network includes board-certified doctors and therapists, ensuring high-quality care, made accessible 24/7. Unique to Teladoc, users can receive care across multiple disciplines, including primary care, dermatology, and behavioral health, making it a versatile choice for diverse healthcare needs.

What Insurance Does Teladoc Accept?

Teladoc collaborates with many health insurance plans, including some Medicare Advantage and Medicaid managed care plans, though it does not support Medicare fee for service or Medicaid fee for service. Patients are encouraged to verify their coverage directly with Teladoc or through their benefits manager to understand the specific details of their insurance plan.

Cost and Payment Options

Teladoc offers a range of telehealth services with pricing that varies based on insurance coverage and the type of service required. Here's a brief overview of what you can expect:

  • Basic Medical Consultations: $75 without insurance; potentially no cost with insurance.
  • Mental Health Sessions: $99 without insurance; costs can range from $0 to $99 with insurance.
  • Psychiatry Services: $299 for an initial consultation without insurance and $119 for follow-up sessions; insurance may cover a part or the entirety of these costs.

For those needing specialized services like dermatology, nutrition counseling, or back and joint care, Teladoc advises visiting their website for the most accurate and up-to-date pricing information.

When it comes to payment, Teladoc aims to make the process as convenient as possible. Patients have the option to use credit cards, PayPal, or HSA/FSA/HRA cards, provided their plans support these payment methods. This flexibility ensures that accessing healthcare services through Teladoc is straightforward and accessible to those who need it.

Why we chose Teladoc: We chose Teladoc for its broad array of services and its flexible payment and insurance policies. This combination offers a practical healthcare solution that's both easy to access and convenient.

Our Experience: Engaging with Teladoc was straightforward and efficient. The platform's wide range of services and the ability to consult with healthcare professionals via phone or video made for a seamless and convenient healthcare experience.


  • Access to a wide range of healthcare services
  • Board-certified doctors and therapists
  • Available 24/7, including holidays


  • Services offered may vary based on your health plan or employer
  • Some users may prefer in-person visits for certain types of care

Teladoc Teladoc Visit Site

10. Alma

Best for - Affordable, personalized care tailored to individual needs Visit Site

Session Types: Virtual sessions through Zoom

Is insurance accepted as a form of payment? Yes

Alma is revolutionizing the way individuals access mental health services by providing an easy-to-navigate platform that connects patients with mental health professionals. 

What sets Alma apart is its commitment to making mental health care more accessible and affordable through insurance. Patients can find therapists who specialize in a variety of areas, including anxiety, depression, life transitions, and more, ensuring a match that meets their specific needs. 

Alma also offers a supportive community for therapists, enhancing the quality of care for clients. This model ensures clients find the right match for their needs in a cost-effective manner

What Insurance Does Alma Accept?

Alma works with therapists who accept a range of insurance plans, aiming to make therapy sessions more affordable. The specific insurance providers accepted can vary between therapists, so Alma encourages patients to explore therapist profiles or contact them directly for the most accurate information.

Cost for Patients:

The cost of therapy sessions for patients depends on the individual therapist's rates. However, by using insurance, patients can significantly reduce their out-of-pocket expenses. For detailed pricing and to understand how your insurance coverage applies, reaching out directly to the chosen therapist through Alma or to your insurance provider is recommended.

Why we chose Alma: For its innovative approach to simplifying the search for insured therapy services, coupled with a broad network of skilled therapists. Alma's platform empowers patients to find the right match for their mental health needs, making the process straightforward and less daunting.

Our Experience: Navigating the Alma platform was intuitive, providing us with the tools to filter therapists by specialty, insurance acceptance, and more. This personalized approach to finding mental health support fostered a positive start to the therapy journey.


  • Broad network of therapists with various specialties
  • Simplified process to find insurance-accepted therapy services
  • Supportive community resources and events for ongoing mental health education


  • Cost varies by therapist, requiring direct inquiry for specific rates
  • Availability of therapists may differ based on location and insurance coverage

Alma Alma Visit Site

Compare the 10 Best Online Therapy Services Covered by Insurance:


Session Types

Types of Therapy

Cost (without insurance)


Video, phone, messaging

Couples, individual, medication management, psychiatry, teen counseling

$276-$436 per month


Video, phone, messaging

Individual, couples, teen

 $260-$320 per month


Phone, video

Talk therapy, psychiatry

$108 per session

Video, messaging 
Invidual, medication management 
$75-$87.25 per session 
LiveHealth Online
Phone, video
Individual, children 10 and up, medication management 
$80-$95 per session


Phone, video

Psychiatry, therapy

$109-$129 per session


Phone, video, in-person therapy

Individual, couples, psychiatry 

$65-$140 per session

Doctor on Demand

Phone, video

Coaching, therapy, psychiatry

$129-179 per session


Video, phone, messaging

CBT therapy

$160-$320 per month

How to Find Online Therapy That Takes Insurance

In recent years, there has been a significant shift in the insurance industry regarding coverage for alternative therapies, including telehealth and telepsychology. This change has made it easier for individuals to access professional support for various mental and emotional health issues.

While insurance coverage for online therapy varies by provider, some platforms work more closely with insurance companies to offer coverage options for their users.

Insurance coverage for online therapy ultimately depends on the policies of each individual insurance company. Some providers may not cover online therapy, while others may offer only partial coverage. 

In the case where an online therapy service is not covered by insurance, it may still be possible to apply for reimbursement or partial reimbursement through your insurance provider.

If you're considering online therapy, it's important to understand the specifics of your insurance coverage and what options are available to you. Some providers may require a co-pay or deductible, while others may have limits on the number of sessions covered. 

It's also essential to find a reputable online therapy provider that is licensed and accredited to ensure that you receive quality care.

Navigating Mental Health Coverage: Key Laws to Know

It is also crucial to be aware of the legal frameworks that support mental health coverage. The Mental Health Parity and Addiction Equity Act (MHPAEA) requires health insurers and group health plans to provide the same level of benefits for mental and/or substance use treatment and services that they do for medical/surgical care. 

Additionally, the Affordable Care Act (ACA) expanded the reach of MHPAEA by ensuring that qualified plans offered on the Health Insurance Marketplace cover many behavioral health treatments and services. This expansion also included preventive services like depression screening for adults and behavioral assessments for children at no additional cost. 

Understanding these laws can empower you to better navigate your coverage options and advocate for your entitled benefits when considering online therapy services that are covered by insurance. 

Using Your Insurance to Cover the Costs of Online Therapy

 Understanding Coverage Options: Total Coverage and Reimbursements

If your insurance provider does cover telehealth services, it will generally be in one of two ways:

  • Total coverage - The most preferable option for patients with insurance is an online therapy company that accepts insurance. In these cases, the online therapy company bills the insurance company, and the health plan pays the service directly for counseling services, medication, and support.
  • Reimbursements -  Some insurance companies will cover part or all of the cost of online therapy through reimbursements. This means you will have to pay out of pocket for the sessions, but the insurance company will pay you back.

In this case, you'll need to make a claim to your insurance company. You should note two important things about reimbursements:

  1. Make sure that you have all of the proper documentation needed to make an insurance claim. Different insurance providers will require different documents. So, check with your policy to see what you need beforehand, then make sure you have those documents when submitting your claim. Required documents can include receipts and copies of the online therapy license, among other items.

  2. Some insurance companies are still figuring out their own policies. So, it is possible that your claim for reimbursement may be denied even though your policy states that online therapy is covered. If this happens, you will need to file an appeal with your insurance company.

If you find that your insurance plan will not help with online therapy costs, there are other ways to get more affordable online mental health care. While there are no free licensed therapists online, many therapists offer a sliding-scale pricing structure.

This can help you if you don’t have insurance coverage and you can’t afford the full price for your sessions. Many therapists offer discounts, reduced rates on bundled sessions, and payment plans. Bottom line: money concerns shouldn’t stop you from getting the help you deserve and need.

Selecting the Right Service to Match Your Insurance Requirements

To get the most out of your insurance coverage for online therapy, be sure to follow a few simple guidelines, including:

Reviewing the Details: Ensuring Coverage and Benefits

The first step in finding online therapy that takes insurance is checking to see if they accept your insurance coverage. Several companies provide online therapy that is covered by insurance, while others may advocate for you to help you get some form of compensation.

Considering Affordable Options: Low Out-of-Pocket Costs

On the other hand, you may not want to limit yourself to the services that take your insurance policy. Online therapy costs significantly less than traditional therapy. If you are willing to pay out of pocket for your sessions, you'll have a lot more options and an easier process of selecting a therapist to help you with your concerns.

Comparing Online Therapy That Accept Insurance

When comparing different online therapy options, it is essential to consider several factors to determine which one is the best fit for you.

  • Cost: It's important to consider the cost of the services. Look for providers that offer transparent pricing, including any additional fees. Some providers may offer sliding scale options which allows individuals to pay for services based on their income and financial situation.
  • Therapy Methods: Different providers may use different therapy methods, such as cognitive-behavioral therapy, psychodynamic therapy, or mindfulness-based therapy. Consider which method may work best for you and choose a provider that offers it.
  • Medication Management:If you require medication for your condition, it's important to find an online therapy provider that offers medication management services. This may involve working with a psychiatrist or other medical professional to manage your medications and ensure they are working effectively.
  • Conditions Treated: It's important to choose an online therapy provider that has experience treating your specific condition. Some providers may focus on specific areas, such as anxiety or depression, while others may offer a broader range of services. 
  • Session Types: Online therapy providers may offer different modes of communication, such as video conferencing, phone calls, or messaging. Consider which works best for you and choose a provider that offers that option.

Scheduling Your Online Therapy Session with Insurance Coverage

There are a few things to keep in mind if you're about to sign up for online therapy services:

  • Find out if the service you are interested in offers a free trial
  • When signing up, make sure you are aware of any extra fees such as one-off consultation or membership fees
  • You should also set up your virtual space to be free from distractions, with a stable internet connection, and a working mic and webcam

How Much Does Online Therapy With Insurance Cost?

Depending on what coverage or copay options you get from your insurance or employer, an online therapy session can range from $0 and $200. This is a bit cheaper than traditional in-person therapy.

Prices usually vary due to therapist availability, the state you’re from, your treatment plan, or the online therapy service. 

What if My Insurance Doesn't Cover Online Therapy? 

Online therapy has revolutionized the mental health field as we know it, though some insurance companies haven’t caught up to covering it. There are a few solutions available if your insurance doesn’t pay for online therapy. 

Firstly, you can seek out sliding scale options or promotions for online therapists. If you’re a student or employee, you can most likely get discounts through your university or workplace. If you have a therapy training clinic in your area, you can get low-cost mental health help from students who need the experience. 

Do Online Therapy Providers Take Medicaid or Medicare?

You can see if an online therapy provider takes Medicaid or Medicare by contacting their customer support. Medicare has extended its coverage for online therapy services to all recipients. 

Medicaid coverage depends more on the state that you live in. Call Medicare or Medicaid and see if they cover the online therapy provider of your choice. 

Accessing Quality Therapy Has Never Been Easier

There exists a wide range of online therapy options and luckily more and more of these services are accepting insurance. Choosing the right provider depends on your individual needs. 


Mountain States Health Alliance. (n.d.). Understanding Healthcare Services on a Sliding Fee Scale. 

National Alliance on Mental Illness. (2019, October). Mental Health Conditions Seen in Childhood. 

American Psychological Association. (n.d.). Cognitive Behavioral Therapy for PTSD. 

Medicare.gov. (n.d.). Telehealth. 

Medicaid. (n.d.). Telehealth. Retrieved from https://www.medicaid.gov/medicaid/benefits/telehealth/index.html

Centers for Medicare & Medicaid Services. (n.d.). Mental Health Parity and Addiction Equity Act (MHPAEA). 

U.S. Department of Health & Human Services. (n.d.). Does the Affordable Care Act cover individuals with mental health problems? 

Statista. (n.d.). Barriers to Mental Illness Treatment in the United States. 

Ballard Brief at Brigham Young University. (n.d.). Financial Inaccessibility of Mental Healthcare in the United States. 

Frequently Asked Questions
Will my insurance cover online therapy?+-

Most insurance providers have established new procedures for covering online therapy for both existing and new patients. However, coverage for telehealth services and doctors on demand may vary, depending on your carrier and where you live.

Does Medicaid pay for online therapy?+-

Yes, Medicaid insurance does cover online therapy. You’ll receive the same coverage whether you’re seeing a therapist online or in person. However, since this policy was created specifically for the pandemic, Medicaid may revisit it in the future. So, if you’re thinking about getting online therapy, it’s best to check directly with Medicaid first.

What kind of online therapy services accept insurance?+-

Not all telehealth services take insurance, but most of them do. Most insurance providers require a diagnosis for covering online therapy costs. So, marriage counseling, for example, would usually only be covered if one of the partners has been diagnosed with a mental health disorder. The specific coverage for online therapy sessions depends on factors such as your insurance plan, which therapist you choose, and where you live.

Does BetterHelp take insurance?+-

BetterHelp doesn't accept insurance, but you can try getting reimbursed by your insurance company if you have a doctor's diagnosis for your condition. In addition, their subscription prices are much more affordable than traditional therapy and range from $65-80 per week, which are billed monthly.

How do I find an online therapist that takes my insurance?+-

To locate an online therapist who accepts insurance, you can explore platforms such as Talkspace and Brightside. Alternatively, MDLive offers a search feature for therapists that accept insurance. Additionally, reaching out to your insurance carrier's customer service, using the number on the back of your card, can provide information about in-network online therapists covered under your plan.

How Much Does Online Therapy Cost With And Without Insurance?+-

Based on our records, online therapy costs vary depending on insurance. Some insured users might pay nothing or just a minimal copay, while those without insurance might spend between $80 to $129 per session. The precise cost is influenced by the chosen therapy plan, the specific therapist, and the inclusion of medication management.

Why do some online therapy companies not accept insurance?+-

There are several reasons why some online therapy platforms do not accept insurance. Some of these reasons include therapists working as independent contractors and a platform’s legal inability to make diagnoses.

Nicky Lowney
Nicky Lowney is an accredited health communication expert and writer for Top10. Having worked extensively in the pharmaceutical industry, Nicky specializes in translating complex medical information into content that informs and helps people. Nicky has also written for Tufts University School of Dental Medicine, and Decision Resources Group, among others.

The author of this article has been paid by Natural Intelligence to write this article. Neither the author nor Natural Intelligence provide medical advice, diagnosis, or treatment. If you think you may have a medical emergency, call your doctor or your local emergency number immediately.