Is it covered by sun life insurance through my work

I would like to speak to someone about my nephew that committed suicide and the complication that result of that but I wonder if the counseling is covered by my insurance as I'm not working right now.
Asked by Shelley
Answered
05/22/2021

Hello Shelley,

I'm so sorry for the loss of your nephew. Losing someone to suicide can bring a grief that feels heavy and disorienting, and reaching out for support is a caring step.

Regarding BetterHelp insurance coverage: BetterHelp accepts insurance through many major insurance plans. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

For eligible members, the average copay is $23 per session. Members can review BetterHelp's insurance options and check in-network status on the BetterHelp site during the sign-up flow. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

Many providers on BetterHelp accept select plans from major carriers. These include Cigna, Aetna, UnitedHealthcare, and regional Blue Cross Blue Shield plans (including Anthem, CareFirst, and Highmark). Availability varies by state, plan, provider network, and therapist availability.

Many people can use HSA or FSA funds to help pay for therapy services, as therapy may be considered a qualified medical expense. If insurance isn't available at this time, BetterHelp's flexible subscription model, typically $70 to $100 per week, is a quality alternative. Eligibility may vary.

During sign-up, members are matched with a licensed therapist based on their preferences. With online therapy, members can meet a licensed therapist from the comfort of home and move forward at their own pace. Exploring BetterHelp insurance options during sign-up can help members plan for care.

Anyone who may be in immediate danger should contact local emergency services or a crisis line right away. In the U.S., the 988 Suicide and Crisis Lifeline offers free support any time, day or night.

Frequently Asked Questions (FAQs)

The questions below cover common topics about BetterHelp insurance and payment options.

Does BetterHelp accept insurance?

Yes, BetterHelp accepts insurance through many major insurance plans. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

What does the average copay look like for eligible members?

Eligible members' average copay is $23 per session. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

Which major carriers work with BetterHelp providers?

Many providers on BetterHelp accept select plans from major carriers. These include Cigna, Aetna, UnitedHealthcare, and regional Blue Cross Blue Shield plans (including Anthem, CareFirst, and Highmark). Availability varies by state, plan, provider network, and therapist availability.

How do I check my in-network status?

Members can check their in-network status on the BetterHelp site during the sign-up flow. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

What if insurance isn't available in my state?

If insurance isn't available at this time, BetterHelp's flexible subscription model, typically $70 to $100 per week, is a quality alternative. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

Can I use HSA or FSA funds for therapy?

Many people can use HSA or FSA funds to help pay for therapy services, as therapy may be considered a qualified medical expense. Eligibility may vary.

What if I can't afford therapy right now?

BetterHelp's flexible subscription model, typically $70 to $100 per week, offers a quality option. Many people can also use HSA or FSA funds to help pay for therapy services, and eligibility may vary.

How does the subscription option compare when insurance doesn't apply?

When insurance doesn't apply, BetterHelp's subscription model, typically $70 to $100 per week, is a quality alternative. It offers another way to connect with a licensed therapist for online therapy.