Insurance

Frequently Asked Questions About Therapy Covered by Insurance

Does BetterHelp accept insurance?

Yes. BetterHelp accepts insurance through major insurance plans. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability. Eligible members’ average copay is $23 per session. For a full breakdown of how BetterHelp works with insurance plans, see our detailed guide on BetterHelp insurance coverage.

What mental health services are typically covered by insurance?

Many health plans include outpatient mental health benefits, and BetterHelp accepts insurance from major providers including Aetna, Blue Cross Blue Shield, Cigna, and UnitedHealthcare. Coverage and cost vary by plan, provider network, therapist availability, and deductible status.

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 $23 per session. Actual costs depend on your insurance plan, provider network status, therapist availability, and deductible status. 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.

*Insurance availability, coverage, and cost may vary by state, plan, provider network, therapist availability, and deductible status.