Are there any student discounts or ways to afford counseling more than what I got from the financial

Hi Lexi, thank you for reaching out. It can be challenging to balance finances while prioritizing your mental health, and I appreciate you asking about available options. There are several ways you may be able to make counseling more affordable.

First, your college or university may offer free or low-cost counseling through campus health services. Many schools have counseling centers that provide support to enrolled students at no additional cost. You can also look into community mental health centers in your area, as some offer sliding scale fees based on income.

When signing up with BetterHelp, you can request financial aid based on need to see if you qualify for a lower monthly subscription price. BetterHelp also accepts insurance through many 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.

If insurance isn't available at this time, the subscription option for online therapy through BetterHelp typically ranges from $70 to $100 per week. Many people can also use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds to help pay for therapy, as it may be a qualified medical expense.

I hope one of these options can help you access the support you deserve. Taking the step to seek help is an act of strength, and there may be a path forward that works with your budget.

Frequently asked questions

Does BetterHelp accept insurance?

Yes. BetterHelp accepts insurance through many major insurance plans. Eligible members' average copay is $23 per session. 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. Costs may vary based on deductible status, copays, coinsurance, and individual plan benefits.

Which major carriers work with BetterHelp providers?

Many providers on BetterHelp accept plans such as Cigna, Aetna, and UnitedHealthcare, along with regional Blue Cross Blue Shield plans including Anthem, CareFirst, and Highmark. Availability varies by state, plan, provider network, and therapist availability.

How can I check in-network status?

You can check your in-network status on the BetterHelp site during the signup flow, where you can enter your insurance information to view available options and estimated costs.

What if insurance isn't available in my state?

If insurance isn't available at this time, BetterHelp's flexible subscription option—starting at $70 to $100 per week—is a quality way to access therapy. BetterHelp is also actively working with additional carriers to expand access to care.

Can I use an HSA or FSA for therapy?

Many people can use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds to help pay for therapy, as it's generally a qualified medical expense. Eligibility may vary, so check with your plan administrator.

What if I can't afford therapy right now?

During signup you can request financial aid based on need to see if you qualify for a lower monthly subscription price. Insurance options and HSA/FSA funds may also help lower out-of-pocket costs.

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

The subscription option provides another way to access care when insurance isn't available, with plans typically $70 to $100 per week that also include messaging your therapist, group sessions, and self-help tools.