Best Online Therapy with Insurance

Our editors independently research, test, and recommend the best products, and articles are reviewed by healthcare professionals for medical accuracy. You can learn more about our review process here. We may receive commissions on purchases made from our chosen links.

Online therapy—the practice of therapy via text, phone calls, video conferencing, and email—may lack the intimacy of seeing a therapist in person, but it is convenient and research has shown that it is equally effective as in-person therapy and increases access to quality, reliable mental health care. It can also be a more affordable option for receiving mental health support. Many online therapy services offer sessions for less money than a typical in-person therapy session, especially if you sign up for a monthly subscription.

Still, the out-of-pocket costs of monthly subscriptions might still be too high for some families, which is why the online therapy companies that do accept health insurance stand out: They can save large out-of-pocket costs, making it easier for people to access the care they need 

The reality is, though, that while there are many online therapy services on the market, most are not in-network for one reason. So we did the research for you to determine the best online therapy companies that accept insurance by surveying 100 users of 33 different companies. We also sent detailed questionnaires to the businesses themselves in order to gain further information about them. Here are the top companies with providers that accept in-network health insurance.

Best Online Therapy with Insurance of 2022

Best Overall : Cerebral


Cerebral

Cerebral

Key Specs
  • Serves all 50 states: Yes, for medication management only
  • Monthly subscription: Yes
  • No. of therapists: 800+
Why We Chose It

Cerebral makes quality mental health care accessible with affordable therapy and medication management services.

Pros & Cons
Pros
  • Accepts HSA and FSA cards as payment

  • Offers talk therapy and medication management

  • Therapists’ bios available on website

Cons
  • Insurance coverage varies by state

  • Talk therapy services not available in all 50 states

  • Doesn’t offer couples or group therapy

Overview

San Francisco-based Cerebral was only founded in 2020 but it has already introduced behavioral health services or medication management to every state in the U.S. It offers a mobile app, digital cognitive behavioral therapy (CBT), and in-network insurance coverage with multiple providers. 

Cerebral’s talk therapy and medication services address a range of mental health issues, including depression, anxiety, insomnia, ADHD, and more. Navigating Cerebral’s clean, modern website is easy—it offers a detailed FAQ page and provides bios of its therapists. Sign-up is also simple: You create an account and answer a series of questions as part of an assessment. The platform will then use your answers to recommend a plan and available therapists or counselors.

Use code VERYWELL65 to get 65% off your first month of medication management and counseling.

Plans & Pricing

Cerebral offers three subscription plans:

  • The Medication and Care Counseling Plan, which costs $20 per week, includes evaluation, diagnosis, and if necessary, a prescription from a medical provider, and video or phone sessions with a counselor. 
  • The Therapy Plan, which costs $60 per week, includes weekly video or phone sessions (and messaging), but you will not meet with a prescribing provider or have medication delivery services. 
  • The Medication and Therapy Plan runs $76 per week and includes the features and benefits of the first plan, but the licensed therapist takes the place of the counselor, so they can check in on your medication treatment plans and work with your prescribing provider.

All plans cost only $29 (plus a copay for each session) if you have in-network insurance—which 86% of our surveyed users said they had. 

User Satisfaction

Overall, Cerebral received high client satisfaction ratings from the users we surveyed. Eighty-three percent said the services they received were either very good or excellent, while 81% said its value was very good or excellent for the money spent. In addition, 95% of those surveyed said they were either likely or very likely to recommend Cerebral to someone like them.

Best for Anxiety : Talkspace


Key Specs
  • Serves all 50 states: Yes
  • Monthly subscription: Yes
  • No. of therapists: 1,000+
Why We Chose It

Talkspace offers individual, couples, and teen therapy and features thousands of licensed therapists trained to help people with anxiety, depression, and other mental health issues.

Pros & Cons
Pros
  • Offers medication management services

  • Variety of communication methods available

  • Counseling available for teens

  • Several subscriptions plans available

Cons
  • No group therapy available

  • Add-on services can get expensive

Overview

Founded in 2012, Talkspace is one of the largest and most established online therapy platforms in the digital space, connecting thousands of licensed therapists and psychiatrists with people seeking mental healthcare. It serves individuals, couples, and teens, offers a variety of subscription plans, and is in-network with several insurance companies. 

Talkspace’s licensed therapists are experienced in treating generalized anxiety disorder, depression, post-traumatic stress disorder (PTSD), postpartum depression, social anxiety disorder, among other mental health issues. After completing their intake online, you’ll select a monthly plan and choose a therapist from three matches who will help you work towards your goals. 

Talkspace offers a variety of communication methods with your therapist to help you take control of your anxiety. You can also communicate via audio messaging, phone, or video conferencing. Once you are matched with your therapist, you receive access to a private “room” where you can message your therapist any time, day or night, and are a guaranteed response at least once a day. 

Plans & Pricing

Choose from three different talk-therapy subscription options, which if you do not have health insurance range in price from $260 to over $400 per month, depending on where you live. 

The three main subscription plans Talkspace offers include: 

  • The Unlimited Messaging Therapy Plus Plan, which includes text, video, and audio messaging with your therapist but no live sessions
  • The Unlimited Messaging Therapy Premium Plan, which includes text, video, and audio messaging plus one 30-minute live video session per month
  • The Unlimited Messaging Therapy Ultimate plan, which includes text, video, and audio messaging plus four 30-minute live video sessions per month

Talkspace’s psychiatric services are billed separately and start at $199 for an initial evaluation and are $125 for every follow-up visit if you’re paying out of pocket. 

However, with insurance, the company says that up to 100% of your monthly costs might be covered, depending on your plan—though our survey respondents reported spending an average of $150 a month out-of-pocket, after insurance. You can check your insurance eligibility on the Talkspace website. Fifty-eight percent of the users we surveyed said insurance helped them pay for their Talkspace subscription. 

User Satisfaction

Sixty-five percent of users we surveyed rated Talkspace’s value as either very good or excellent for the money spent. However, 93% of users shared that it is likely or very likely they will be recommending Talkspace to someone like them. Overall, 69% of users said they rate Talkspace as either very good or excellent.

Best for Depression : Doctor on Demand


Doctor on Demand

Doctor on Demand

Key Specs
  • Serves all 50 states: Yes
  • Monthly subscription: No
  • No. of therapists: 300
Why We Chose It

Doctor on Demand features a network of psychologists and psychiatrists that have an average of 15 years of experience and are clinical experts in specialties such as depression.

Pros & Cons
Pros
  • Offers medication management

  • Therapists’ bios available on the website

  • You can choose your therapist or doctor

  • Physical health services also provided

Cons
  • Does not offer subscription plans

  • Video chat is the only communication method

  • Consultations are not free

Overview

From talk therapy to medication management, Doctor on Demand’s licensed psychologists and psychiatrists aim to provide the emotional support and mental health care you need from the privacy and convenience of home. They offer treatment programs and plans to help manage specific issues, including depression.

You can sign up for Doctor on Demand online or after downloading its mobile app. Creating an account is free—you’ll provide your insurance and/or pay for any therapy (or medical) appointment at the time you book it. 

One notable benefit of Doctor on Demand is that you can choose your own therapist by browsing through bios when you schedule your appointment. Once you meet for your first appointment, you’ll work with the therapist to determine your personalized therapy plan to address your mental health concerns. 

Plans & Pricing

Doctor on Demand does not offer monthly subscription plans, but 82% of the users we surveyed said their health insurance helped pay for their therapy through the company. On average, respondents said they paid $223 out-of-pocket after insurance. 

Fees for sessions without insurance are as follows:

  • 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 and $129 per 15-minute follow-up. 
User Satisfaction

Overall, 75% percent of surveyed respondents said that Doctor on Demand’s therapy services were either very good or excellent. While only 58% said the value for money of its services were very good or excellent (this is likely because of the relatively high out-of-pocket costs and lack of subscription plans), 90% of users said they were very likely or likely to recommend Doctor on Demand to someone like them.

Best for Psychiatry : Teladoc


Teladoc

Teladoc

Key Specs
  • Serves all 50 states: Yes
  • Monthly subscription: No
  • No. of therapists: More than 3,600 healthcare professionals
Why We Chose It

Teladoc’s licensed psychiatrists, psychologists, and therapists are experienced in addressing stress, anxiety, PTSD, and other mental health conditions.

Pros & Cons
Pros
  • Services available to teens and adults

  • Offers medication management

  • Appointments available seven days a week

  • You can choose your therapist

Cons
  • No subscription plans available

  • No couples, family, or group therapy options

  • No free consultations

Overview

Launched in 2002, Teladoc was one of the very first telehealth companies in the United States—and today, it provides medical and behavioral health care to adults and teens in the US, Canada, and internationally. The company’s therapists and psychiatrists provide treatment for stress, anxiety, depression, relationship conflicts, grief, trauma, and PTSD, and other mental health issues.

You can sign up for therapy (or medical care) via the teladoc website or mobile app and once you’re signed up, you can schedule an appointment to speak with a psychiatrist or psychologist of your choice. With Teladoc, you can make an appointment from 7 a.m. to 9 p.m. seven days a week. 

Sessions at Teladoc are available via video and audio and must be booked at least 48 hours in advance. The company’s platform allows you to send messages to your provider, but it doesn’t feature text-based or live messaging therapy.

Plans & Pricing

Teladoc doesn’t offer subscription plans or bundled services. Depending on your insurance, you can expect to pay: 

  • $0 to $299 for an initial psychiatric visit and $0 to $119 per follow-up visit 
  • $0 to $99 per session for talk therapy

Eighty-six percent of the users we surveyed said health insurance helped them pay for their therapy at Teladoc and the average amount they spent out of pocket was $63.50 a month—the lowest out-of-pocket amount of any of the 33 companies we reviewed. 

User Satisfaction

Overall, 71% of users we surveyed rated Teladoc’s services as either very good or excellent, and 76% said the value of the services they received were either very good or excellent for the money spent. In addition, 95% of users also reported that they were either likely or very likely to recommend Teladoc to someone like them.

Best for Couples : Amwell


Key Specs
  • Serves all 50 states: Yes
  • Monthly subscription: No
  • No. of therapists: More than 350
Why We Chose It

Amwell offers the ability to schedule therapy sessions with licensed therapists, psychiatrists, and MDs as needed—even on nights and weekends to accommodate busy schedules.

Pros & Cons
Pros
  • You can choose your therapist or psychiatrist

  • Offers talk therapy, psychiatry, and medication management services

  • Some therapists available nights and weekends

  • Couples and teen therapy available

Cons
  • No subscription plans available

  • Only offers video sessions

  • No free consultations

  • No group therapy

Overview

Founded in 2006, Amwell is available nationwide and includes a network of more than 350 licensed therapists, psychiatrists, psychologists, social workers, and other healthcare professionals specializing in mental health disciplines. 

While Amwell's online therapy service only connects patients with their providers through live video visits (no messaging-based therapy), it does take steps to work with clients’ busy schedules. You have the ability to schedule sessions as needed and some therapists even offer the option of meeting at night or on the weekend. 

Once you’re signed up via the website, Amwell allows you to pick the therapist you want to work with. You can browse therapists’ bios to see their availability, qualifications, areas of specialty, and client reviews to help you identify the provider that best fits your needs.

A typical therapy session on Amwell is 45 minutes. The average number of visits a patient has is six, but each patient has an individualized treatment plan and your therapist may recommend more or fewer visits.

Plans & Pricing

Amwell doesn’t offer subscription plans or bundled services. Instead, you pay for each session at the time of booking. The cost per session depends on your therapist’s experience and your insurance coverage. 

  • With in-network insurance, you will either pay a copay or a cash price of $69 per session. 
  • Without insurance, sessions with a licensed therapist range in price from $109 to $129, while psychiatry appointments cost $279 for the first visit and $109 for each follow-up.

Eighty-five percent of the users we surveyed said their health insurance helped them pay for therapy at Amwell and their average reported out-of-pocket cost after insurance was $208 a month. 

User Satisfaction

Seventy-three percent of the people we surveyed said the services they received through Amwell were either very good or excellent and 78% said the value for money they spent was very good or excellent. Eighty-eight percent of surveyed users also said they were very likely or likely to recommend Amwell to someone like them.

Best for Addiction (Alcohol) : Monument


Key Specs
  • Serves all 50 states: No (though the free support groups are available to anyone in the U.S.)
  • Monthly subscription: Yes
  • No. of therapists: Not advertised
Why We Chose It

Monument uses a holistic approach that combines specialized therapy programs, prescription medication, and online therapist-moderated support groups to treat alcohol use disorder.

Pros & Cons
Pros
  • Specializes in alcohol addiction recovery support

  • Offers medication management services

  • Network of licensed therapists

  • Free moderated support groups available

Cons
  • Not suitable for other mental health conditions unless addiction is primary concern

  • Therapy only available in 19 states and DC

Overview

Launched in 2020, Monument is one of the newest online therapy platforms we’ve reviewed, and it’s also one of the most unique. It offers a holistic, evidence-based approach to treating alcohol addiction, combining online talk therapy, medication management, therapist-moderated support groups, and a community forum. 

However, as of January 2022, therapy and medication management are only available in 19 states and Washington, DC, though anyone can join the free, moderated online support groups and 24/7 community forums.

Monument allows you to be fully-anonymous when you sign up for its services (you’ll just use a nickname of your choice). Despite listing therapist bios on the website, the company does not allow you to choose your providers yourself. Instead, the company matches you based on your intake form. 

Plans & Pricing

Monument offers three subscription plans:

  • The Physician Care Plan, which costs $10 a month (plus $45 initial fee) out-of-pocket, includes an introductory physician appointment (additional physician appointments are $45 each), a prescription for either naltrexone or disulfiram if they deem it safe and appropriate for you, chat-based messaging with your physician, access to support groups, and the community forum.
  • The Total Care (Biweekly) Plan costs $149 per month out-of-pocket and includes two therapy appointments a month (every other week), unlimited physician appointments, and optional medication management. It also provides access to chat-based messaging with your therapist and physician, support groups, and the community forum.
  • The Total Care (Weekly) Plan is $249 per month out of pocket and includes four therapy appointments a month (every week), unlimited physician appointments, and optional medication management. It provides access to chat-based messaging with your therapist and physician, support groups, and the community forum.

Eighty-seven percent of the users we surveyed said their health insurance helped pay for their treatment at Monument.

User Satisfaction

Monument received high client satisfaction ratings. According to our user surveys, 75% said the services they received through Monument were either very good or excellent, and 82% said the value for money was very good or excellent for the money spent.

Best for New Yorkers : Talkiatry


Key Specs
  • Serves all 50 states: No, NY only 
  • Monthly subscription: No
  • No. of therapists: 30+
Why We Chose It

Talkiatry aims to provide people access to psychiatrists that take insurance via convenient telemedicine.

Pros & Cons
Pros
  • Clear focus on quality psychiatric care

  • Offers medication management

  • In-network with most insurance companies

  • Services available for adults, teens, and children

Cons
  • No subscription plans

  • Currently only serves clients in New York state

Overview

Founded in 2020 with the mission of improving psychiatric care for both patients and clinicians, Talkiatry is currently the largest group of in-network psychiatrists serving the New York area. It’s an in-network provider and partner for some of the largest health insurers in the country, including United Health Care, Aetna, Humana, Cigna, and Blue Cross Shield, and uses a hybrid model of in-person and virtual care.

Talkiatry features an easy-to-use online platform that makes the process of getting matched with psychiatry pretty simple. To get started, you take an assessment to help determine the reason for your visit and provide a preliminary diagnosis. The information you provide, in conjunction with the preliminary diagnosis, medical history, medications, and other criteria will help you match with a psychiatrist whose expertise meets your needs. Psychiatrists’ bios are available on Talkiatry’s website, and they include information such as experience, training and certifications, specialties, and languages spoken.

Talkiatry offers sessions via live video chat as well as in-office visits. You can choose to meet your psychiatrist in person at the company’s flagship New York office or schedule online video sessions through the platform’s patient portal. There is no live chat option—you can only communicate with your psychiatrist via live video chats. However, you can message your psychiatrist with any concerns about your medication.

Mental health conditions that Talkiatry addresses and treats include generalized anxiety disorder, panic disorder, and bipolar disorder, among others.

Plans & Pricing

The company doesn’t offer any subscription plans or bundled services—Talkiatry is a pay-as-you-go service. How much you pay depends on your specific health care plan, though of the users we surveyed, the average out-of-pocket cost was $279.37 per month. 

Because health insurance can get confusing, Talkiatry can provide details regarding specific benefits before your scheduled appointment. There are no appointment booking fees, however, a $100 cancellation fee may be charged if your visit is canceled or rescheduled at least 48 hours in advance.

User Satisfaction

Overall, 70% of current users we surveyed rated the services they received through Talkiatry as either very good or excellent, and 77% of users said its value was very good or excellent for the money spent. In addition, 98% of users reported that they were either likely or very likely to recommend someone like them to Talkiatry—a higher than average rating.

Best for Flexible Scheduling : MDLIVE


MDLive

MDLive

Key Specs
  • Serves all 50 states: Yes
  • Monthly subscription: No
  • No. of therapists: Not advertised
Why We Chose It

MDLIVE lets you schedule behavioral health appointments with licensed therapists and board-certified psychiatrists at a time and day that’s convenient for you.

Pros & Cons
Pros
  • Accepts many insurance plans

  • Offers medication management services

  • Offers behavioral health services too for people 10 and older

Cons
  • No subscription plans

  • Does not offer couples, family, or group counseling

Overview

Now serving over 30 million members nationwide, MDLIVE features a network of board-certified physicians, therapists, and psychiatrists specially trained in virtual care. The easy-to-use platform, which includes a highly-rated mobile app, enables you to get the behavioral healthcare you need at a time and place that works for you. Many of MDLIVE’s therapists are available nights, weekends, and even holidays.

When you sign up at MDLIVE, you’ll be able to see a psychiatrist via secure phone or video using your computer or smartphone. If you need medications, MDLIVE doctors can also send prescriptions to your nearest pharmacy.

Some of the mental health conditions that MDLIVE psychiatrists can help with include anxiety, depression, bipolar disorders, trauma and PTSD, panic disorder, and more.

Plans & Pricing

Without insurance, therapy sessions last 45 to 60 minutes and cost $108. An initial 30-minute psychiatric appointment costs $284, and a follow-up psychiatry session—usually around 15 minutes—costs $108.

However, 74% of the users we surveyed said their health insurance covered at least part of their therapy costs at MDLIVE. On average, users said their out-of-pocket cost after insurance was $149 a month. 

User Satisfaction

Sixty-seven percent of MDLIVE users who responded to our survey rated the company’s services as either very good or excellent quality, and 65% of users said the service is either very good or excellent value for the money spent. In addition, 94%  percent of users surveyed reported being either likely or very likely to recommend MDLIVE to someone like themselves.

Final Verdict

Overall, Cerebral is our pick for the best online therapy platform that accepts insurance. The company provides talk therapy services with licensed therapists and medication management, as well as a convenient mobile app that allows you to access the resources you need, anywhere you are. Talkspace was a close runner-up, though, as one of the largest and most established online therapy platforms in the digital space. Its huge network of licensed therapists and psychiatrists means you’re likely to find a provider that meets your preferences and objectives.

Compare The Best Online Therapy with Insurance

Company Price without Insurance Average out-of-pocket cost among survey respondents Therapy Communication Options Star Rating
Best Overall
Cerebral
$29 per month with in-network insurance; $259-$325 per month without insurance $209 Live video, phone, text 4.4
Best for Anxiety
Talkspace
$260-$400 per month $150 Live video, audio, chat, unlimited messaging 4.2
Best for Depression
Doctor on Demand
Starts at $129 per session $223 Live video 3.8
Best for Psychiatry
Teledoc
Starts at $49 one-time fee per user; therapy visits are $0-$99 $63.50 Live video and audio 3.8
Best for Flexible Scheduling
Amwell
Starts at $109 per session; psychiatry session starts at $279 $208 Live video and audio 3.9
Best for Addiction (Alcohol)
Monument
$10-$249 a month $257 Live video, chat messaging, online forum, and support group 3.8
Best for New Yorkers
Talkiatry
Depends on insurance $279 Live video, in-person in flagship New York office 4
Bets for Easy Scheduling
MDLIVE
$108 per session; $284 for initial psychiatric appointment; $108 for follow-up psychiatry session $149 Live video, audio 3.6

Guide for Choosing the Best Online Therapy with Insurance

Why Is Online Therapy Beneficial?

Good mental health and wellness are key to helping us determine how we handle stress, relate to others, and make choices. Online therapy can be a convenient, safe, and affordable way to seek mental health and support when we’re feeling like we’re struggling because it can help you address and treat psychological, behavioral, and emotional issues. It’s also convenient, allowing you to see a provider from the comfort of your home, and many companies offer live session times in the evenings and on weekends. 

Is Online Therapy Effective?

Research has shown time and time again that online therapy is effective. A February 2021 meta-analytic study of clinical interventions delivered via teletherapy and in-person shows that both produced similar therapeutic outcomes.

The Department of Veterans Affairs has also conducted numerous trials comparing PTSD interventions delivered in person versus by video conference and found that the two methods are equally effective in the majority of cases. Systematic reviews revealed that telepsychology interventions delivered by video and phone are effective for depression, anxiety, PTSD, and adjustment disorder. There's also research that using telepsychology to address issues such as substance abuse and eating disorders in adolescents and children is effective.

The convenience of online therapy itself can also help relieve stress for some, especially since 2020 saw a rise in the number of people working from home. “[Online therapy] has been a godsend for many clients—it has made it possible for clients to continue to get support during an extraordinarily stressful time, while staying in the comfort and safety of their own home,” says Andrea Dindinger, a licensed marriage and family therapist based in San Francisco. “They can squeeze in a session in between their back-to-back Zoom meetings without having to schedule in time for the commute to and from the office." 

Also, some clients feel a greater sense of freedom to speak more openly from the comfort of their own home (or another remote location) and with the distance the screen provides.

Is Online Therapy Right for You if You Have Insurance? 

Access to online therapy has become more important than ever. In many cases, online therapy offers more flexibility and better accessibility than in-person appointments. Fortunately, more commercial insurers are becoming more supportive of the growing popularity of online therapy.

If you have health coverage and it covers online therapy (check with your provider to confirm what services are covered), sessions could be more affordable for you. It’s important to note, however, that coverage for online therapy can also depend on your specific insurance plan, the online therapy platform or specific therapist you choose, and the regulations of your state.

Comparing Online Therapy With Insurance

When choosing an online therapy service with insurance, it’s important to consider these factors:

  • Cost: Even if you know the online therapy platform you choose accepts insurance, check with your health plan provider before booking or scheduling your first consultation. Confirm what kind of sessions or visits are covered by your specific plan. Coverage may vary depending on your location, the therapist you choose, or the services they provide. 
  • Therapy methods and platforms: Research the online therapy service to see what communication methods are available and which you would be most comfortable with. Some services offer messaging and live chat rather than audio and video, while some only offer live video conferencing.
  • Medication management: If you’re dealing with mental health issues such as anxiety and depression, determine if the online therapy companies you’re considering offer prescription medication management services.
  • Conditions treated: Some online therapy platforms offer treatment for a variety of mental health conditions, such as anxiety, depression, or stress. There are some that specialize in specific conditions, such as alcohol use disorder or substance abuse, or focus on serving specific communities, such as LGBTQIA+. 

It’s also important to consider whether you can pick your own therapist—or if an algorithm chooses for you based on an intake questionnaire—and whether it’s easy to switch therapists if you don’t like the person you’re seeing. 

“When you’re looking for a therapist to work with you or your family, the three main things I feel are most important to consider are connection, availability, and cost,” says Dindinger. “With connection, you’re looking for the feeling after speaking with the online therapist for the first time of safety, understanding, and that you genuinely liked the therapist and felt connected to them. Secondly, availability can often weed out less-than-great connections. You want to work with a therapist where both your and their schedules match up easily. And lastly, you want to work with someone you can afford seeing weekly for as long as needed.” 

Scheduling Your Online Therapy Session With Insurance Coverage

Before you schedule your first online therapy session, determine whether the provider you’re considering offers a free trial or consultation. Some companies also charge an initial consultation fee or one-time membership fee. 

To avoid possible technical difficulties, check your internet connection in advance or make sure that your audio and microphone are working.

It’s also important to schedule sessions for an hour when you can fully dedicate the time and emotional space to your therapy session. “Clients became distracted during sessions as Slack messages or emails would roll in during their session and they had to get disciplined about turning off all notifications,” says Dindinger. “Sometimes total privacy is hard to come by with spouses, roommates, and children at home all the time.”

How Can I Find Out if My Insurance Is Accepted by an Online Therapy Provider?

To find out if an online therapy provider accepts your insurance, check their website or call their customer service number. Most online therapy platforms’ websites will display a list of insurance plans they accept. Some will even provide a form you can use and submit so they can check your coverage for you. 

You can also contact your insurance company to check if your plan covers online therapy and determine what your copayments may be for specific services. Your insurance company may also be able to give you a list of therapists who provide online services.

Some employers also work with some online therapy providers. Contact your Human Resources or Benefits department to check if your company has an online therapy partner.

Frequently Asked Questions

What Kinds of Online Therapy Does Insurance Cover?

Most insurance companies cover "medically necessary" treatment. Thanks to the Affordable Care Act and the Mental Health Parity and Addiction Equity Act, the definition of "medically necessary" treatment includes individual therapy (for adults and teens), as long as there is a diagnosis. This is why most online therapy companies accept insurance if the therapy they offer is individual talk therapy for a diagnosed mental health condition (such as depression, generalized anxiety disorder, etc), psychiatric treatment, addiction treatment, or medication management.

However, many insurers do not cover couples therapy, family therapy, or group therapy as these are not usually considered "medically necessary." A few plans offer couples or family therapy as an additional benefit, though, so be sure to check with your provider to be sure.

Why Don’t All Online Therapy Companies Accept Insurance?

Insurance coverage for online therapy or telepsychology is a complicated issue as a patient’s state or location, online therapy provider, diagnosis and specific treatment plan can all influence what is covered. These complex factors and considerations can all impact an online therapy company's ability to accept insurance.

Some states, however, in the face of COVID-19 have relaxed licensure requirements so that practitioners with out-of-state licenses can provide online or telehealth to patients in a different state. So, again, it’s important to check with your insurance company and verify coverage.

How Much Does Online Therapy With Insurance Cost?

Online therapy sessions can range from $0-$200, depending on your insurance plan, state, treatment plan, and the online therapy company or therapist. If your employer or insurance company offers a telehealth benefit, patients usually just pay a copay or coinsurance. 

Methodology

Our methodology for evaluating online therapy companies is comprehensive and data-driven. To fairly and accurately review the best online therapy programs, we sent questionnaires to 33 companies and surveyed 100 current users of each. This allowed us to directly compare services offered by gathering qualitative and quantitative data about each company and its users’ experiences.

Specifically, we evaluated each company on website usability, sign-up process, subscription offerings, client privacy protections, and how easy it is to change therapists. We then looked at therapist qualifications, the types of therapy offered quality of care, client-therapist communication options, session length, and the therapist assignment process. Finally, we examined cost, value for money, whether the companies take insurance, overall user satisfaction, and the likelihood clients would recommend them.

Edited by
Simone Scully
simone-scully-verywell

Simone is the health associate editorial director for performance marketing at Verywell. She has over a decade of experience as a professional journalist covering mental health, chronic conditions, medicine, and science.

Learn about our editorial process
Was this page helpful?
5 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. "Telehealth for the Treatment of Serious Mental Illness and Substance Use Disorders." SAMSHA.

  2. Batastini A, et al. Are videoconferenced mental and behavioral health services just as good as in-person? A meta-analysis of a fast-growing practiceClinical Psychology Review. 2021;83:101944.

  3. Turgoose D, Ashwick R, Murphy D. "Systematic review of lessons learned from delivering tele-therapy to veterans with post-traumatic stress disorder." J Telemed Telecare. 2018;24(9):575-585.

  4. Varker, T., Brand, R. M., Ward, J., Terhaag, S., & Phelps, A. (2019). "Efficacy of synchronous telepsychology interventions for people with anxiety, depression, posttraumatic stress disorder, and adjustment disorder: A rapid evidence assessment." Psychological Services, 16(4), 621–635.

  5. Slone, N. C., Reese, R. J., & McClellan, M. J. (2012). "Telepsychology outcome research with children and adolescents: A review of the literature." Psychological Services, 9(3), 272–292.