How can I pay?

Thank you for reaching out, Jas. It's understandable to want simple, clear BetterHelp payment options before you begin.

When you sign up for BetterHelp, you'll be asked for your payment information, and the payment options are simple. Sessions are billed on a recurring basis, either weekly or monthly, using a credit card or PayPal. You don't need a separate app or an Apple ID subscription to get started.

You can keep your membership for as long as it's helpful to you, and you're free to cancel anytime. To see how sessions work, you can learn more about online therapy through BetterHelp.

There may also be more than one way to cover the cost. BetterHelp accepts insurance through many major insurance plans, and eligible members' average copay is $23 per session.

You can read more about insurance options and check your 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.

If insurance isn't available to you, the flexible subscription option is another route, at around $70–$100 per week, billed weekly or monthly.

For other questions about getting started, the BetterHelp FAQ page covers the basics, and you're welcome to view my therapist profile. Taking this first step is a meaningful move, and support is here whenever you're ready.

Answered by Mark Wardlow on 12/06/2020

Frequently Asked Questions (FAQs)

Does BetterHelp accept insurance?

Yes, BetterHelp accepts insurance through many major insurance plans. Eligible members' average copay is $23 per session. You can check your in-network status on the BetterHelp site through the sign-up flow.

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.

What insurance plans are accepted on BetterHelp?

BetterHelp accepts insurance through many major insurance plans, including Cigna/Evernorth, UnitedHealthcare, Aetna, and Blue Cross Blue Shield plans such as Anthem, CareFirst, and Highmark. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

How do I check my in-network status?

You can check your in-network status directly on the BetterHelp site during the sign-up flow. It can also help to review your plan's Summary of Benefits or contact your insurance provider about your mental health benefits.

What if insurance isn't available in my state?

If insurance isn't available at this time, BetterHelp's flexible subscription model, starting at $70–$100 per week, is a quality alternative for accessing therapy.

Can I use an HSA or FSA to pay for therapy?

Many people can use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds to help pay for therapy. Therapy is often a qualified medical expense, though eligibility may vary, so check with your plan administrator.

What if I can't afford therapy right now?

There are several ways to make therapy more affordable, including using insurance where available, applying HSA/FSA funds, or choosing the flexible subscription option. In some cases, financial assistance may be available depending on income or employment status.

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

The subscription model offers quality care from BetterHelp's therapist network for around $70–$100 per week, billed weekly or monthly, without needing to use insurance. Neither option is better than the other; the right choice depends on what fits your situation.

What costs should I expect when using insurance?

When using insurance, eligible members' average copay is $23 per session, though actual costs depend on your plan, deductible status, and network participation. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

Is online therapy covered like in-person therapy?

Many health insurance plans include mental health benefits that may cover online therapy, also called telehealth or virtual therapy. Coverage depends on your specific plan, network participation, deductible status, and state regulations.