Learn About Therapy Covered By Insurance In El Paso

Medically reviewed by Melissa Guarnaccia, LCSW
Updated February 12th, 2026 by BetterHelp Editorial Team

There are a few different ways to find therapy covered by insurance in El Paso. One is to contact your insurance company to get a list of in-network therapists near you. Another is to explore BetterHelp online therapists who serve El Paso and accept select insurance plans. BetterHelp also offers an affordable subscription plan outside of insurance options.

Therapy with insurance, $23 average co-pay*

BetterHelp works with most major insurance plans so you can access therapy affordably. Insured members pay an average co-pay of around $23 per session.

Find a covered therapist

*Average co-pay based on insured BetterHelp members. Actual costs vary by plan, provider, and therapist availability.

How do I find therapy covered by insurance in El Paso?

  • Check with your insurance company to see if talk therapy is covered by your health plan. If so, they may have a directory of in-network providers that you can use to find care in El Paso.

Many BetterHelp providers now accept major insurance plans in select states

Another option for mental health care that may be covered by insurance is BetterHelp. We are working with select insurance carriers to join their network in Texas. Some BetterHelp providers in El Paso may be in-network with certain health plans. Clients can check a therapist's in-network status on the BetterHelp site. For insured members, the cost of co-pays is about $23 per session – depending on factors such as therapist availability, type of treatment, and insurance plan. 

For those without insurance, online care can be more affordable than in-person therapy without insurance. For non-insurance users, the cost of online therapy via BetterHelp ranges from $70 to $100 per week, billed weekly or monthly. Costs for individual subscribers are based on location, referral source, preferences, any applicable discounts, and therapist availability. BetterHelp accepts HSA/FSA cards and is recognized as an eligible expense by most HSA/FSA providers. Also, for non-insured individuals, BetterHelp may offer discounted rates.

Relief you need made possible. 

BetterHelp can help you find an in-network therapist who understands your needs and supports your goals. Coverage may vary by provider, plan, and therapist availability.

30,000+
licensed providers with diverse backgrounds and specialties
115+
clinical specialties and therapeutic approaches available
93%
find a provider who fits their unique needs, goals, and preferences
72%
report improvement in symptoms after receiving care through BetterHelp
Find your match

Source: State Of Stigma Report, 2025

How does BetterHelp work?

BetterHelp is a virtual therapy platform that connects clients with qualified providers who can offer compassionate and effective care in a supportive environment, 100% remotely. When you sign up with BetterHelp, you can get matched with a licensed professional counselor or therapist based on the preferences you outline in a brief onboarding questionnaire. Once matched, you can connect with your therapist via phone, video, or live chat to get evidence-based support for mental health concerns, life transitions, relationship challenges, and more. 

How it works

1
Tailored match
We can match you with a licensed therapist. Select insurance plans are now accepted. Coverage may vary by plan, provider, and therapist availability.
2
Brief assessment
Answer a few questions about your needs, goals, and preferences to help us find your right match.
3
Start therapy
If your provider on BetterHelp is in-network, schedule one covered live-session each week.

How do I know if therapy is right for me?

Whether you’re looking to address symptoms of mood disorders or anxiety, get support in processing past trauma, or find help building healthy coping mechanisms for stress, therapy can often be a helpful tool. Research suggests that around three-quarters of people who engage in therapy get some benefit from it. If you’re feeling unsure, you could meet with a therapist for a consultation or initial session to express your hesitation, get their perspective, and see how you feel afterwards.

If you are experiencing trauma, support is available. Please see our Get Help Now page for more resources.

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How soon can I meet with a therapist?

If you’re experiencing challenges related to your emotional well-being, you may be looking to meet with a therapist as soon as possible. How soon you can do so depends on the provider. Those who are taking on new clients and have upcoming openings may be able to offer an appointment in the coming days, while others may have longer waiting lists.  

What types of care can I access through BetterHelp?

Just like in-person providers, BetterHelp therapists use evidence-based talk therapy methods to support clients—such as solution-focused therapy, person-centered therapy, cognitive behavioral therapy, and others. Each therapist on the platform is qualified, experienced, and has successfully completed a rigorous application process. The BetterHelp onboarding questionnaire asks questions about your needs and preferences in a provider, which can help increase the chances of finding the right match for your needs.

Who are the BetterHelp therapists?

BetterHelp therapists undergo a rigorous application and screening process before being approved to work through the platform. First, their qualifications are verified. They must:

  • Hold a relevant academic degree
  • Have at least three years and over 1,000 hours of hands-on experience
  • Be approved to practice in their state as a licensed professional counselor, licensed clinical social worker, licensed marriage and family therapist, psychologist, or similar title

Beyond these qualifications, BetterHelp therapists may have a variety of different specializations or focus areas. Filling out the onboarding questionnaire can help you get matched with a provider who meets your needs.

Is online therapy more affordable than in-person therapy?

Research suggests that online therapy often performs similarly or better than in-person therapy when it comes to both effectiveness and affordability. For example, in a 2021 study, researchers indicated that “online therapy was more cost-effective than the other forms of care” as well as being similarly effective to in-person care for treating conditions like depression and anxiety. 

In-Person Therapy

$100–$350 / session

BetterHelp Out of Pocket

$70–$100 / week *

What can I expect at my first therapy session?

In general, therapists understand that attending therapy for the first time can be nerve-wracking, so they typically use approaches that can help clients feel comfortable. In most cases, they’ll start by doing an intake interview where they ask about your health history and mental health needs. 

You can connect with a therapist covered by 
your insurance

Flexible options, easy scheduling, and care that fits your life. Coverage may vary by plan, provider, and therapist availability.

Find a covered therapist

How can I get started with BetterHelp?

BetterHelp can match you with a therapist according to your needs and preferences. All you have to do is fill out a brief onboarding questionnaire. Once matched, you can schedule your initial session, which you can attend via video call, phone call, or live chat. 

For additional help and support with your concerns
This article provides general information and does not constitute medical or therapeutic advice. Mentions of diagnoses or therapy/treatment options are educational and do not indicate availability through BetterHelp in your country.
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