How does better help work with insurance?

Thanks for reaching out, Jay. This is a common question before starting therapy, and here is how BetterHelp insurance works.

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

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

Accepted plans include Cigna, UnitedHealthcare, Aetna, and state-specific Blue Cross Blue Shield plans such as Anthem, CareFirst, and Highmark. To learn more about how BetterHelp insurance works, you can check your in-network status on the BetterHelp site through the sign-up flow.

During signup, members can enter insurance information to view available options, estimated costs, and plan details. Eligible members' average copay is $23 per session, and the exact amount can vary by plan and network.

Because every plan and network is different, entering your details during signup can be a clear way to see what may apply to you. It also lets you explore online therapy with BetterHelp and the options that fit your situation.

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

Many people can use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds to help pay for therapy services. Therapy is generally considered a qualified medical expense, though eligibility may vary, so members should verify with their plan administrator.

Other paths to affordable care include employer assistance programs (EAPs) and community mental health clinics. When you're ready, support may be available in a way that fits your life.

*Subscription pricing is based on factors such as location, referral source, preferences, therapist availability, and any applicable discounts or promotions.

Frequently Asked Questions (FAQs)

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.

Which insurance carriers work with BetterHelp providers?

Accepted carriers include Cigna, UnitedHealthcare, Aetna, and state-specific Blue Cross Blue Shield plans such as Anthem, CareFirst, and Highmark. Availability may vary by state, plan, and network.

What costs should I expect with insurance?

During signup, members can enter insurance information to view available options, estimated costs, and plan details. Costs depend on your specific plan, network participation, and deductible status.

What is the average copay 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.

How can I check my in-network status?

Check your in-network status on the BetterHelp site through the sign-up flow, where you can enter your insurance information to view available options.

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 services. Therapy is generally a qualified medical expense, though eligibility may vary, so members should verify with their plan administrator.

What if insurance isn't available in my state?

If insurance isn't available at this time, BetterHelp offers a subscription-based option for accessing therapy, typically ranging from $70 to $100 per week.*

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

BetterHelp's subscription model is a flexible way to access the same licensed therapist network without insurance, with weekly sessions and added tools included.

What if I can't afford therapy right now?

Several paths can help make care more affordable, including HSA or FSA funds, employer assistance programs (EAPs), community mental health resources, and BetterHelp's subscription option.