Insurance guide
Best Online Therapy That Takes Insurance
Most online therapy is cash-pay, but a few platforms are in-network. Here are the best online therapy and psychiatry services that take insurance, ranked.
Key takeaways
- →BetterHelp, the biggest platform, does not take insurance; it offers financial aid instead.
- →Talkspace, Teladoc, MDLIVE and Amwell are the main platforms that bill insurance for therapy.
- →With insurance, your cost can drop to a copay; always confirm your plan is in-network first.
Most big online therapy brands are cash-pay subscriptions, which surprises people expecting to use insurance. The good news: a handful of reputable platforms are genuinely in-network and can bill your plan, often dropping your cost to a copay. Here are the best online therapy options that take insurance.
Platforms that take insurance
How to tell if a platform takes your insurance
Coverage is plan-specific even on in-network platforms. Before committing, enter your insurance details in the platform's eligibility checker and confirm both that the platform is in-network and that therapy is a covered benefit on your plan.
What about BetterHelp?
BetterHelp, the largest platform, does not bill insurance. It offers income-based financial aid that can lower the weekly price, but if using insurance is essential, choose an in-network option below.
Frequently asked questions
Does BetterHelp take insurance?+
No. BetterHelp does not bill insurance, though it offers financial aid that reduces the weekly cost for many users.
Which online therapy takes insurance?+
Talkspace, Teladoc, MDLIVE and Amwell are the main platforms that bill insurance for therapy; coverage still depends on your specific plan.