Insurance
Many providers on BetterHelp now accept insurance–with an average co-pay of $19 based on state, coverage plan, and therapist availability.
BetterHelp works with many major insurance plans. Check if your coverage is accepted in your state.
Therapy costs with insurance vary based on your plan, location, and provider, but many eligible members pay an average co-pay of $19. See what you may pay.
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Therapy covered by insurance can make mental health care more accessible and affordable, but coverage details often vary by plan, provider, and location. Many people want to know whether insurance can help cover therapy costs, especially for online care. BetterHelp works with a large network of licensed mental health professionals, and many providers on the platform now accept major insurance carriers in select states. When sessions are covered, insured members typically pay an average copay of about $19 per session, depending on their plan and provider availability. For those without insurance coverage, BetterHelp also offers a flexible subscription option for online therapy.
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Frequently Asked Questions About Therapy Covered by Insurance
Does BetterHelp accept insurance?
Yes. Many providers on BetterHelp now accept major insurance carriers in select states. In many cases, certain therapists on the platform may be in-network with specific insurance plans. Coverage depends on your plan, provider, and availability. When sessions are covered, members who have a copay typically pay an average of about $19 per session.
What mental health services are typically covered by insurance?
Many insurance plans cover mental health services such as individual therapy, online therapy (telehealth), and psychiatry services, when provided by a licensed professional. Coverage details vary by plan and may depend on medical necessity, provider network status, and state regulations.
Does insurance cover online therapy?
Yes, many insurance plans cover online therapy in the same way they cover in-person sessions, as long as care is provided by a licensed mental health professional. Coverage varies by plan, provider, and location, so it’s important to confirm your benefits before starting therapy.
What does therapy cost with insurance?
When therapy is covered by insurance on BetterHelp, members typically pay an average copay of about $19 per session. Actual costs depend on your insurance plan, provider network status, and therapist availability. Some plans may also have deductibles or session limits.
What if my insurance does not cover BetterHelp?
If your insurance plan does not cover sessions with a provider on BetterHelp, you can still access care through the platform’s flexible subscription model, which typically ranges from $70–$100 per week, billed weekly or monthly. Pricing may vary based on factors such as location, preferences, therapist availability, and any applicable discounts.
What insurance plans are accepted on BetterHelp?
Many independent providers on BetterHelp participate in major insurance networks, including large national carriers like Cigna and UnitedHealthCare, and state-specific Blue Cross Blue Shield plans. Coverage varies by state and provider availability. Members should check their insurance plan’s directory or confirm coverage directly on the BetterHelp site.
How do I check if my insurance covers therapy on BetterHelp?
You can check coverage by reviewing your insurance plan’s online directory, contacting your insurer’s member services, or checking in-network status directly on the BetterHelp website. Coverage varies by plan, provider, and availability.
Find a therapist covered by insurance
Understanding therapy covered by insurance involves knowing your plan’s mental health benefits, provider networks, costs, and legal protections. By asking the right questions and using available resources, you can access affordable mental healthcare that fits your needs and budget. Get started today with BetterHelp to check your coverage and find a covered therapist.