Best Online Therapy Programs

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Online Therapy: Best Programs of 2021

Talk to a Psychiatrist

See our recommendations for the best online psychiatrists where you can easily and safely get the support you need.

Best Overall : Talkspace

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  • Accepts Insurance: Yes
  • Cost: $260-$396 per month
  • Simple sign-up process

  • Matches you to several therapists (you pick one)

  • Live sessions available

  • Communicate via text, audio, or video messaging

  • Customer service has fast responses

  • Guaranteed response times for therapist replies (and email notifications when they do)

  • Easy-to-navigate app

  • Some therapists only provide short responses

  • A few therapists struggle to recall earlier session discussions

  • Therapists don’t always offer live appointments

  • Time zone differences may be an issue for people outside the U.S.

  • Getting matched to a therapist may take a few days

  • You have to sign up for services for an entire month at a time

  • If you cancel early, you’ll be billed for the month

Founded in 2012, Talkspace boasts that they’ve already helped more than one million people feel happier, and Olympic swimmer Michael Phelps serves as their popular spokesperson, talking about how therapy helped him become stronger.

Here's how it works: During the sign-up process, you’ll be asked to complete an online questionnaire. Then, an algorithm will match you to a few therapists and you can choose one.

Once you’re matched to a therapist, you’ll continue working with that same therapist throughout treatment (unless you request to change to a different professional).

There are thousands of licensed therapists who have been thoroughly vetted and extensively evaluated. Therapists often specialize in specific areas, such as anxiety, depression, addiction, sleep problems, trauma, LGBTQ struggles, or even veteran-related difficulties.

Basically, with so many therapists available, you’ll likely find someone who is well-equipped to help you deal with almost every issue. And some of their treatment approaches include cognitive behavioral therapy, dialectical behavioral therapy, mindfulness, and psychodynamic therapy.

Talkspace offers three different plans:

  • Unlimited Messaging Therapy Plus: $260 per month for text, video, and audio messaging. A therapist will respond to messages five days a week.
  • Unlimited Messaging Therapy Premium: $316 per month for text, video, and audio messaging plus one live session per month. A therapist responds to messages daily, five days per week.
  • Unlimited Messaging Therapy Ultimate: $396 per month for text, video, and audio messaging, and four live sessions per month. A therapist responds to your messages daily, five days per week.

Additionally, there are therapy packages for both couples and teens too.

Live video sessions of 30 minutes can be added for an additional charge.

All services for HIPPA compliant and are available via desktop or mobile devices.

Cost: Talkspace plans range from $260-$396 a month depending on the subscription. In addition to their regular services, Talkspace offers specific services for teens and for couples. Services for teens start at $260 per month and counseling for couples starts at $396 per month.

Best Live Chat Sessions : BetterHelp

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  • Accepts Insurance: No
  • Cost: $90 to $120 per week
  • Some therapists actively encourage live sessions

  • Many therapists provide worksheets and homework

  • Simple interface makes it easy to contact customer service

  • You are encouraged to change therapists if the current therapist isn’t a good match

  • The therapy process is explained in great detail

  • Multiple ways to communicate with a therapist, including over the phone

  • Betterhelp discourages you from choosing your own therapist, but you can if you want

  • You’re matched to a therapist based on answers to questionnaire

  • There’s only one pricing plan

  • The homework assignments can make treatment seem less personal

  • Responses from therapists may feel generic

  • It isn’t clear when you might expect a reply from the therapist

  • Response times from therapists varied quite a bit

Betterhelp has more than 20,000 licensed professionals on their site and they report they’ve helped nearly 1.75 million people on their platform. All therapists have at least three years and 1,000 hours of hands-on experience. Counselors are psychologists, family therapists, clinical social workers, or licensed professional counselors and they have a broad range of expertise.

To start, you can sign up using a “nickname” as opposed to your real name, and you'll be asked to provide emergency contact information, which is kept in the system and only used if the counselor believes you or someone else might be in danger.

Users are then matched with a licensed mental health professional based on the results of a quick assessment. It may take 24 hours or longer to connect you with a therapist, and if you are not happy with the therapist assigned to you, you can always request a new one. Therapists offer a full range of areas of expertise, ranging from career issues to life transitions.

You’ll be assigned to a secure and dedicated chat room that only you and your therapist can access. Most chats are not in real-time, however. Instead, you can leave a message and your therapist will reply in a timely fashion (they usually reply to messages one or two times each day).

You can participate in live chats with your therapist as well, but they need to be scheduled in advance.

Cost: Betterhelp counseling ranges from $90 to $120 per week depending on the subscription length.

Best for Couples : Regain

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  • Accepts Insurance: No
  • Cost: $90 to $120 per week
  • The platform focuses solely on relationship counseling

  • A thorough questionnaire assesses the relationship

  • Couples can attend therapy together, even when they are not physically in the same place (by texting)

  • There is no extra charge for the two-person counseling as compared to the single person

  • The therapists all specialize in couples treatment

  • The platform is easy to use

  • Couples are matched to a therapist via an automated process without human interaction

  • There isn’t a live customer service agent to help you through the sign-up process

  • Therapists sometimes don’t meet criteria requested in the initial questionnaire

  • Response times from therapists can sometimes take longer than a day

  • There currently isn’t a way to conduct three-way calling or video sessions

  • There are no variable pricing options based on services selected

  • This platform requires the monthly minimum price to start

  • There isn’t a free trial period

Regain specializes in online counseling for couples, and they address a variety of relationship challenges, ranging from infidelity to communication problems.

The sign-up process allows you to identify your goals and any preferences you have for a counselor. For example, you can state if you prefer a male or female provider or a younger or older therapist. Regain then matches therapists directly with couples.

All counselors are licensed, trained, experienced, and accredited psychologists, licensed marriage and family therapists, licensed clinical social workers, or licensed professional counselors. All possess at least three years and 1,000 hours of hands-on experience, and every counselor has a specific interest and expertise in relationship counseling.

If you sign up for Regain, you and your partner will share a joint account so you can communicate with the therapist together. All written communication will be visible to you, your partner, and your therapist.

If you want to speak to the therapist privately—without your partner present—you can do so. You just have simply request to schedule a private session. 

It's important to note that the chats aren’t in real time. Instead, you can leave messages and the therapist will respond. The speed of the counselor’s response varies and the frequency of sessions is based on the interaction between you and your counselor. Sessions can also include phone calls and video.

Since it is a subscription service, there aren’t a set number of appointments. Instead, couples can determine whether they’d like frequent short sessions or longer sessions less often.

Cost: The cost of counseling ranges from $900 to $120 each week depending on the plan. It’s a subscription service that can be canceled at any time.

Best for Teens : Teen Counseling

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Teen Counseling

 Teen Counseling

  • Accepts Insurance: No
  • Cost: $90 and $120 per week

Teen Counseling is an online platform specifically made for individuals between the ages of 13 and 19. The company's professional therapists are equipped to discuss issues such as anxiety, stress, coping skills, self-esteem, bullying, depression, eating disorders, self-esteem and other mental health issues.

Counselors are all licensed mental health professionals. The app does not offer teens with an official diagnosis, so if you are interested in getting your child diagnosed with ADHD or another mental health condition, this app won’t do so.

If you're a parent and interested in signing up your adolescent up for Teen Counseling, you will have to complete the sign-up paperwork. It's here you can discuss your teen’s issues and situations with the therapist first and then they're connected to your child.

The counseling sessions are confidential but therapists will alert the parents if there’s a safety issue that should be made known.

Teens may exchange messages, chat live, speak over the phone, or use video conferencing to chat with the counselor. It is a subscription service and there are no limits on how many sessions or messages can be exchanged each week.

In fact, each teen gets their own “room” with a counselor where messages can be exchanged at any time. There is no need to schedule appointments and they will speak to the same counselor each time.

One thing to note is that the site/app is also clear that they don’t fulfill court orders. So if your teen has been mandated to receive counseling by a court, this won’t fulfill the requirement.

Cost: The cost ranges between $90 and $120 each week depending on the plan. Teens get unlimited access to a counselor.

Best for LGBTQ : Pride Counseling

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Pride Counseling

 Pride Counseling

  • Accepts Insurance: No
  • Cost: $90 to $120 per week

Pride Counseling offers online therapy to individuals in the LGBTQ community, and their goal is to offer discreet, affordable, and accessible treatment.

Whether you have a mental health issue, like depression, or you are experiencing LGBTQ-related issues, their professional counselors can help. 

They have counselors who are trained in specific issues, such as anxiety, stress, parenting, depression, grief, sleeping, trauma, family conflicts, religion, relationships, self-esteem, and eating. 

Not only are the counselors on Pride Counseling either licensed psychologists, marriage and family therapists, clinical social workers, or professional counselors (all with either a master’s or doctoral degree), they are all specialists in the LGBTQ community as well.

In most cases, you will be matched with your personal counselor within a few hours or a few days. There will be a continuous 24/7 text chat open with the counselor. You can write them whenever you wish, but they will not always respond right away. There is also the option to do live sessions which must be scheduled ahead of time.

While they do their best to match you to someone you’ll connect well with, you can change counselors at any time if you’d prefer to work with someone else.

You can communicate with your counselor in four different ways:

  • Exchanging messages in a secure room
  • Chatting live
  • Speaking over the phone
  • Video conferencing

Pride Counseling considers your privacy and confidentiality a top priority. You can use a nickname when communicating with your counselor if you don’t want to reveal your real name. 

Cost: The cost ranges between $90 to $120 per week (billed monthly). You can cancel your membership at any time for any reason.

Best for a Quick Consultation : Amwell

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  • Accepts Insurance: Yes
  • Cost: $109 to $129 per session

Amwell is a comprehensive telemedicine site that offers access to doctors, therapists, and specialists. Their mobile app offers access to professionals any time of day, 365 days a year.

Once you set up an account, you can choose which type of service you’d like to have (they even cover services other than therapy, including urgent care, breastfeeding support, pediatrics, nutrition counseling, cardiology etc.).

Then, you will be offered the opportunity to set up an appointment with different therapists. You can review the photograph and biography of each therapist before selecting the one you’d like to work with.

If your employer or health plan provides coverage (the company touts more than 80 million people are covered), you may be eligible for a lower price. During the pre-visit process, you can enter your insurance information to learn more about your out-of-pocket costs.

Cost: The cost of each visit varies from $109 to $129 based on the experience and credentials of the therapist.

Best for Peer Support : 7 Cups of Tea

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7 Cups of Tea

 7 Cups of Tea

  • Accepts Insurance: No
  • Cost: $150 per month

7 Cups of Tea offers something most sites don’t—the opportunity to speak to trained listeners for free. If you’re looking for emotional support but can’t afford counseling or you aren’t sure you want to see a therapist, you can speak to a trained volunteer listener via online chat. Best of all, it’s anonymous.

There are also scheduled group support sessions and chat rooms that address specific issues, such as depression, anxiety, relationships, and LGBTQ+.

Another unique feature is that 7 Cups of Tea has listeners available especially for teens between 13 and 17 as well. And there are teen community forums and chat rooms available, too, for anyone looking for more support.

If you prefer to speak to a licensed therapist, you can also pay to do so.

You are assigned a chat room where you can speak with your therapist any time of day. You and your therapist will eventually establish a routine and they may respond back to your messages once or twice per day.

Seven Cups of Tea works on mobile as well as desktop. They take many measure to ensure your conversations are confidential and anonymous.

Cost: Prices start at $150 per month

Best Free Assessment : Doctor on Demand

Verywell's Rating

Doctor on Demand

 Doctor on Demand

  • Accepts Insurance: Yes
  • Cost: $129 for a 25-minute session or $179 for a 50-minute session

Doctor on Demand offers a variety of physical and mental health services. They have a team of psychologists and psychiatrists who can provide emotional support and medication management.

And what we like most about this company is that they offer a free mental health assessment. This free screening tool can help determine if you should speak with a mental health professional for anxiety or depression, and consists of two sets of questions and takes less than two minutes to complete.

The top issues and topics their psychologists and psychiatrists treat and address include depression, anxiety, postpartum, trauma & loss, and relationships.

Doctor on Demand is best for short-term consultations and prescriptions for emotional and mental health concerns. If you have a condition that requires close monitoring, you should see your physician.

You’ll need to schedule a live chat session with a mental health professional, and the fee for the chat depends on the type of treatment you receive. To find one, you can view a list of available licensed therapists in your state, and then read their biographies and choose who you want to work with. And, of course, you choose to work with the same therapist in subsequent visits.

Cost: For therapy, prices are $129 for a 25-minute session and $179 for a 50-minute session. For psychiatry, the initial visit is $299

Best for Access to a Psychiatrist : MDLive

Verywell's Rating



  • Accepts Insurance: Yes
  • Cost: Up to $108 for therapy and up to $284 for psychiatry per session

MDLive allows you to meet with a counselor or psychiatrist via mobile app, video or phone to talk through common issues including anxiety, depression, addictions, trauma & PTSD, bipolar, grief & loss, relationships, and more.

Psychiatrists typically don’t provide therapy but they can prescribe medication to treat anxiety, bipolar disorder, depression, insomnia, Trauma, PTSD, and more.

After signing up, you can wait and stand by to see someone right away or schedule an appointment in the future.

Cost: Virtual visits with a therapist cost up to $108. Sessions with a psychiatrist are available for $284 for the first visit, with each follow-up being $108. And it's worth checking to see if your insurance can help foot some of the bills.

Compare Providers

 Company Accepts Insurance  Weekly Price  Rating (1-5)  Therapy Modalities  Therapists on Staff
Best Overall Talkspace Yes $65-$99 4.5 Text, Audio, and Video 5,000
Best Live Chat Sessions Betterhelp No $90-$120 4.3 Live Chat, Messages, and Video 20,000
Best for Couples Regain No $90-$120 4.1 Live Chat, Messages, and Video Unknown
Best for Teens Teen Counseling No $90-$120 4.1 Live Chat, Messages, Phone, and Video Unknown
Best for LGBTQ Pride Counseling No $90-$120 4.1 Live Chat, Messages, Phone, and Video Unknown
Best for a Quick Consultation Amwell  Yes  $109-$269 3.9 Video, Phone 350+
Best for Peer Support 7 Cups of Tea No  Free - $37.50 3.9 Chat Unknown
Best Free Assessment Doctor On Demand  Yes  Free (Assessment Quiz) $129-$299 (per visit) 3.3  Video  Unknown
Best for Access to a Psychiatrist MDLive Yes $108 ($284 first visit) 3.1 Video  Unknown

Final Verdict

When considering which online therapy program to use, it's important to find one with a solid reputation and track record of helping individuals cope with a variety of conditions and situations (because we're all different). Our list of providers does just that. We chose Talkspace as our top pick because we like that a real person is there to match you (vs. AI-generated) to a therapist based on your questionnaire answers. It personalizes the match-making process by knowing you're going to be paired with a therapist who can help you with your specific needs. Betterhelp is a very close second—it's great for live chats, has cheaper rates than Talkspace, as well as one of the largest networks of therapists to choose from.


What Is Online Therapy?

What Is Online Therapy?

Online therapy is a way to communicate with a licensed mental health professional over the phone or computer. Common means of treatment include messaging (similar to text or email), live chat, phone calls, or video chat.

Online therapy differs from in-person therapy in several ways. Online therapists typically do not provide a mental health diagnosis, like “generalized anxiety disorder” or “ADHD.” Online treatment also may not meet the requirements for “court-mandated therapy” in certain cases.

Otherwise, online therapists are licensed mental health professionals, and most provide similar treatments online as they do in-person.

Who Is a Good Candidate for Online Therapy?

Most online therapy offerings identify who they recommend should not use their services. Individuals with suicidal ideation, serious mental illness, or psychosis are typically not good candidates for online therapy. People with generalized anxiety and depression disorders, for instance, are considered good candidates.

What Are the Benefits of Online Therapy?

Online therapy can have some advantages over traditional therapy. Some people enjoy not having to commute to an appointment. Others appreciate that they don’t need to find childcare.

Online therapy can also be more affordable than face-to-face treatment. And many online therapy sites allow you to speak to your therapist daily, while most in-person sessions only occur once per week.

Online therapy can be a fit for almost anyone who is looking for emotional support. Common issues that are treated online include stress management, anxiety, depression, relationship problems, trauma, sleep issues, and substance abuse.

Online Therapy Is Helping People Find Relief
 Verywell / Amelia Manley

Is Online Therapy Effective?

Yes. Online therapy can be equally as effective as in-person treatment. Here’s what research has found:

  • A 2014 study published in Behaviour Research and Therapy found that online cognitive behavioral therapy was effective in treating anxiety disorders. 
  • A 2014 study published in the Journal of Affective Disorders found that online treatment for depression was equally as effective as in-person therapy. 
  • A 2018 study in the Journal of Anxiety Disorders found that online cognitive behavioral therapy was equally as effective as in-person treatment for major depression, panic disorder, social anxiety disorder, and generalized anxiety disorder. 

Is Online Therapy Secure and Confidential?

Licensed mental health professionals must follow licensing regulations, state laws, and HIPAA regulations that ensure security and confidentiality. Each website explains the steps they take to keep information secure.

Also, most sites will allow you to communicate with your therapist using a nickname (although they usually require you to provide the name and phone number of an emergency contact.)

How Much Does Online Therapy Typically Cost?

The fees for online therapy vary depending on the company and type of communication you choose. Unlimited messaging often costs $90-$120 per week. A live video chat with a therapist typically starts at $108.

In comparison, a face-to-face meeting with a therapist averages between $75 and $150 an hour. It may even be higher in certain areas, such as New York City. 

Does Insurance Cover Online Therapy?

Historically, health insurance has mostly covered face-to-face therapy only. COVID-19 led to increased coverage for online therapy as it became unsafe for many people to go to a therapist’s office—and the added stress of the pandemic increased the need for many people to receive mental health services.

Currently, most health insurance companies will cover online therapy. Some of them may only cover live video appointments as opposed to messaging services, phone calls, or chats.

It’s important to check with your insurance provider to learn about whether they cover online therapy and whether they have certain stipulations in place about the type of long-distance treatment that they will cover.

It’s also important to keep in mind that not all online therapy providers accept insurance. Some of them offer subscription-based services and they only accept private pay.

Does Medicare Cover Online Therapy?

Medicare does cover the cost of many telehealth visits, including online therapy provided you’re being treated for a substance use disorder or a co-occurring mental health disorder. This was a change that was implemented in 2019.

They also cover psychotherapy and consultations when you’re using an interactive two-way telecommunication system (like real-time audio and video) from an eligible provider. If your physician’s office doesn’t have a therapist or a psychiatrist on staff, you may be able to video chat with one from your doctor’s office. This is commonly used in rural areas where psychiatrists and psychotherapists may be quite spread out.

In 2020, Medicare Advantage Plans began offering even more telehealth benefits than original Medicare. With a Medicare Advantage Plan you are more likely to be able to talk to a psychotherapist from home rather than from a licensed medical provider’s facility.


In order to evaluate the best online therapy programs, we sized up the services using 15 key data points, including the sign-up process, speed of therapist match, therapist qualifications and experience, average therapist response time, and available means of communication (video chat, text message, phone, etc.). We also took a close look at how easy it was to switch therapists (let's face it, we don't always hit it off with the first person we meet).

In addition, we took into consideration customer service support (from online chat, to email or phone), cost (how affordable is it compared to other competitors or face-to-face therapy?), whether insurance is accepted, and even cancellation policies.

You can see the full scope of how we broke down these data points and landed on our final recommendations by visiting our online therapy methodology.

National Suicide Prevention Lifeline: 800-273-8255
Verywell / Amelia Manley
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Article Sources
Verywell Mind uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Nordgren LB, Hedman E, Etienne J, et al. Effectiveness and cost-effectiveness of individually tailored Internet-delivered cognitive behavior therapy for anxiety disorders in a primary care population: a randomized controlled trial. Behav Res Ther. 2014;59:1-11. doi:10.1016/j.brat.2014.05.007

  2. Wagner B, Horn AB, Maercker A. Internet-based versus face-to-face cognitive-behavioral intervention for depression: a randomized controlled non-inferiority trial. J Affect Disord. 2014;152-154:113-121. doi:10.1016/j.jad.2013.06.032

  3. Andrews G, Basu A, Cuijpers P, et al. Computer therapy for the anxiety and depression disorders is effective, acceptable and practical health care: an updated meta-analysis. J Anxiety Disord. 2018;55:70-78. doi:10.1016/j.janxdis.2018.01.001