Will Therapy Take Insurance?

Updated September 30, 2022 by BetterHelp Editorial Team
One of the first considerations you probably have when signing up for BetterHelp online therapy is how much it will cost you and if the platform will take insurance. It’s important to consider the logistics of taking on a new weekly or monthly expense. Now let’s explore what BetterHelp is, how it works, and what you can expect it to cost. We’ll discuss whether or not insurance will play a role in defraying the cost of our online therapy sessions and answer other payment-related questions.

And because many traditional therapy sessions are partially covered by insurance, it’s certainly logical to wonder, "Does insurance cover therapy?" or “Does BetterHelp take insurance?" Before diving into the answer to this question, we truly believe BetterHelp is an affordable, life-changing option for those who want to transform their mental health for the better. 

What Is BetterHelp?

BetterHelp is the world’s largest online therapy platform. This therapy service offers a roster of over 23,000 board-certified and licensed therapists and providers available to you. BetterHelp is designed to be an affordable, convenient, and discrete online platform.

People sometimes ask these questions about seeking services:

Does BetterHelp app take insurance?

Does BetterHelp or Talkspace take insurance?

Can I get reimbursed for BetterHelp?

Can I use FSA for BetterHelp?

Is therapy covered by insurance?

How does BetterHelp billing work?

Is Talkspace or BetterHelp cheaper?

Is it hard to cancel BetterHelp?

Is BetterHelp a real therapist?

All our service requires is a quick sign-up questionnaire and a monthly subscription plan.

Can You Get Diagnosed On BetterHelp?

Many individuals seek out therapy because they are concerned that they may be living with a mental illness, like depression or an anxiety disorder. If this is the case, you may be wondering if you can get diagnosed by a BetterHelp therapist.

While our therapists are equipped to help you with a vast array of mental health disorders (and many of them are qualified to diagnose), they are not permitted by BetterHelp to diagnose mental illnesses on the platform. Their restriction from clinically diagnosing also means they cannot prescribe medications for any mental health or substance use disorders.

How BetterHelp Online Therapy Works

BetterHelp online therapy starts with you filling out an initial questionnaire that goes over basic questions about who you are and what you might need out of therapy. A sophisticated BetterHelp algorithm will use your answers to select a therapist who is a good fit for your needs, though you always have the flexibility to switch therapists later.

Once you match with a therapist, you can get started by scheduling your first online therapy session. All sessions are conducted remotely through the BetterHelp portal. They can be completed over a computer, tablet, or mobile device. You have multiple options for communicating with your therapist, depending on your preferences. Options include:

  • Unlimited messaging
  • Live chat
  • Live phone calls
  • Live video sessions

How Long Are BetterHelp Sessions?

The average session lasts 30 minutes once a week but can go for up to 45 minutes depending on the flexibility of your therapist. Choose to have your weekly session conducted over video, phone, or chat. The messaging feature is an additional, unlimited feature for conversing with your therapist.

And if you’re wondering where you can participate in your online therapy, essentially anywhere you have an internet connection! Is BetterHelp available in Canada and the U.K.? Something to keep in mind is that the cost of your therapy sessions might vary slightly depending on your location.

Health Insurance And BetterHelp

Let’s discuss whether or not BetterHelp accepts health insurance to cover partial or full fees for its online therapy sessions. So, will BetterHelp take insurance? The answer is no, neither BetterHelp nor BetterHelp therapists submit claims to Medicare, Medicaid, or any health insurance coverage.

It’s understandable that you’d expect BetterHelp to offer insurance coverage. Many traditional therapy sessions are partially covered by health insurance, so that clients only need to pay a deductible.

In addition, BetterHelp therapists are all independent providers. However, due to the legal complexity of the online format, varying patient locations and costs, and our inability to offer diagnoses, our therapists cannot submit claims to insurance companies per their BetterHelp agreements.

Can I Discuss Coverage With My Insurance?

There is a small chance your health insurance will cover a small portion of the costs if you personally submit a claim. This potential varies widely by insurance company and what they offer for mental health coverage.

To find this out, you should contact your insurance provider directly. Use the 1-800 number on the back of your insurance card to get in touch. Ask them if they offer any reimbursement for BetterHelp therapy sessions.

Does BetterHelp Or Talkspace Accept Insurance?

As stated above, BetterHelp does not accept insurance. In a few cases, insurance companies might be willing to reimburse a portion of your BetterHelp therapy sessions, though you’d have to inquire directly with your insurance provider and submit any claims yourself. We do offer discounted rates for those who fall into our low-income threshold, and we also grant financial aid to qualifying individuals.

Talkspace is now accepting some major insurances, including Aetna, Anthem, and some types of Medicare. They state that 40 million Americans are eligible for 100% Talkspace insurance coverage.

Do Therapists Make More At BetterHelp Or Talkspace?

What if you’re a therapist who’s considering joining either BetterHelp or Talkspace? Since BetterHelp sessions aren’t covered by insurance, you might be trying to figure out who pays better: Talkspace or BetterHelp.

Based on salaries reported on sites like Glassdoor and Indeed.com, the yearly salary for BetterHelp therapists is around $71,000, while Talkspace therapists average around $30,000. However, this varies widely depending on how many hours worked, case load, length of session, state of certification, etc.

Does Medicare Pay For BetterHelp?

Medicare will not pay for BetterHelp online therapy. But in addition to our affordable sessions, we also accept HSA/FSA cards. BetterHelp is considered an eligible expense under most HSA/FSA providers.

The Cost Of BetterHelp Therapy

It’s important to consider the cost of therapy when embarking on this new journey of improving your mental health. There are probably a million questions racing through your mind:“Is BetterHelp overpriced?”“How much would each session cost me?”“Can I even afford it?”

If you’re worried you can’t afford mental health treatment, you’re in the majority. One fascinating survey study found that about 60% of participants were worried they couldn’t afford their therapy, and over 40% stated they skipped some therapy sessions to save money. Needless to say, concerns about affording mental health treatment are a challenging reality for millions globally.

Price Of BetterHelp Sessions

At BetterHelp, we are working to break down those barriers for people around the world. Our goal is to make therapy a viable, affordable option for everyone, not just those with the highest income. The rise of virtual counseling is making this a reality.

Our online therapy sessions typically cost less than traditional therapy sessions. And while BetterHelp doesn’t accept insurance, you can factor out the costs of commuting to an office. There is also opportunity for financial aid or discounted rates without insurance if you are struggling financially.

Our weekly sessions range from $60 to $90, which is billed to you every four weeks. So you can expect to pay somewhere between $240 and $360 a month. Traditional therapy sessions on average can cost anywhere from $100 to $200 a month, making it a pricier monthly expense than BetterHelp online therapy.

How Will I Pay For BetterHelp?

BetterHelp subscriptions are billed monthly, but it helps to mentally break it down by the week. The subscription includes one 30 or 45-minute session a week and unlimited messaging with your therapist. This weekly cost will range from around $60 to $90.

As mentioned, this weekly price is billed every four weeks. The payment will be billed as a recurring charge to either a credit card or a PayPal account. The first monthly payment is charged at the time you sign up, and again four weeks later and so on.

A nice feature of BetterHelp is that you can continue with therapy for as long as you need it. If you decide after a few months that you no longer want to use the service, you can cancel your subscription for free at any time with the click of a button.

Factors That Could Affect The Cost Of BetterHelp

Now you know the range of how much weekly sessions with BetterHelp might cost. But what will you personally end up paying? There are a few factors that will determine how much you pay for our services. Read on to learn about what to expect.

Where You Live

Our therapists are all independent providers, and as such they are licensed and certified in their respective US state or region of the world. When you sign up for BetterHelp therapy, you will be matched with a therapist licensed in your home state.

Believe it or not, where you and your therapist are located can affect the cost of therapy. For example, the demand for therapists may be higher in urban areas on the west coast, and those therapists will come at higher prices. Midwestern therapists may offer slightly lower costs.

Availability Of Your Therapist & Preferences

Is your therapist available for a 30-minute session, or do they offer up to 45-minute sessions? Are they free more than once a week to talk? How frequently and long you communicate with your therapist can affect the overall cost each week. In addition, your general therapist and communication preferences may also affect the overall subscription cost.

Whether You Qualify For Financial Aid Or Discounts

BetterHelp offers financial aid to certain individuals who meet our income criteria. This potential for financial aid can offset the cost of your monthly payments. So far, we have granted over $65 million in financial aid.

In addition, we often have discount code promotions that can take a percentage off your first bill. If you want to know whether you might qualify for any financial aid, contact the BetterHelp Customer Service team at contact@betterhelp.com.

Is BetterHelp Therapy Right For You?

We also want to offer comprehensive services that match the depth and efficacy of traditional in-person therapy.

While our therapists cannot diagnose you with a mental health disorder or prescribe medication, they are all board-certified, licensed providers who are well-equipped to listen, offer tools, and guide you along the healing process. They cover a wide range of mental health conditions and concerns, including:

  • Anger
  • Depression
  • Anxiety & panic
  • Relationships
  • Parenting
  • Grief
  • Trauma
  • Family dynamics
  • Eating disorders
  • Substance use and other addictions
  • Stress
  • LGBTQ+ matters
  • Sleep issues
  • Self-esteem

If you are in crisis, or someone you know is in danger, close out of this site. BetterHelp is not an emergency service. You should immediately seek help from one of these emergency intervention resources.


BetterHelp is the world’s largest online therapy platform. Our roster of over 23,000 therapists are all certified, licensed providers. Therapy sessions are conducted virtually, with a multitude of communication options to choose from. Your weekly session can take place over live video, live chat, or live audio call - it’s up to you! You also are able to message your therapist during the week when you need check-ins.

BetterHelp is an affordable therapy option for many people. Weekly sessions range from $60 to $90, which is a lower cost than most in-person therapy sessions without insurance coverage. BetterHelp does not accept insurance like some traditional in-person therapists do, but we still believe our lower-cost sessions, financial aid options, and ease of convenience make our therapy price very competitive.

Want to know if you qualify for any of our financial aid or discounted rates? You can reach out to our BetterHelp Customer Service team. A couple other factors might play into your final subscription cost, such as where you live, the availability of your therapist, and what your preferences with your therapist and communication are. Get better today with BetterHelp!

Other Commonly Asked Questions

Does BetterHelp app take insurance?

Does BetterHelp or Talkspace take insurance?

Can I get reimbursed for BetterHelp?

Can I use FSA for BetterHelp?

Is therapy covered by insurance?

How does BetterHelp billing work?

Is Talkspace or BetterHelp cheaper?

Is it hard to cancel BetterHelp?

Is BetterHelp a real therapist?

For Additional Help & Support With Your Concerns

Speak with a Licensed Therapist
The information on this page is not intended to be a substitution for diagnosis, treatment, or informed professional advice. You should not take any action or avoid taking any action without consulting with a qualified mental health professional. For more information, please read our terms of use.