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.
Quick answer
BetterHelp, the biggest platform, now accepts 125+ insurance plans, though not Medicare, Medicaid or TRICARE.
Key takeaways
- →BetterHelp, the biggest platform, now accepts 125+ insurance plans, though not Medicare, Medicaid or TRICARE.
- →Talkspace, BetterHelp, Teladoc, MD Live 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, now accepts 125+ major insurance plans, including Cigna, Aetna, Optum, UnitedHealthcare and several Blue Cross Blue Shield plans, with an average copay of about $23 per session. It does not take Medicare, Medicaid or TRICARE, and it still offers cash plans with income-based financial aid.
Frequently asked questions
Does BetterHelp take insurance?+
Yes. BetterHelp accepts 125+ major insurance plans, with an average copay of about $23 per session. It does not take Medicare, Medicaid or TRICARE.
Which online therapy takes insurance?+
Talkspace, BetterHelp, Teladoc, MD Live and Amwell are the main platforms that bill insurance for therapy; coverage still depends on your specific plan.