I can afford the $55 per week but I can't afford it in one large payment.

I completely understand. Many people find themselves in this exact situation—knowing that therapy could help, but feeling stuck when the payment structure doesn't fit their budget. You're not alone, and there are several options that may work for you.

BetterHelp offers flexible billing that can make care feel more manageable by spreading the cost out rather than requiring a large upfront amount. You can also reach out to the Customer Success Team to ask about income-based financial aid, which may reduce your weekly cost if you qualify.

It may also be worth exploring insurance. Many therapists on BetterHelp now accept major insurance plans, so you can review your insurance options during the BetterHelp sign-up flow. When covered, eligible members' average copay is about $23 per session. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

Another option is using Health Savings Account (HSA) or Flexible Spending Account (FSA) funds. Many people can use these pre-tax dollars toward therapy, as it is generally a qualified medical expense. Check with your plan administrator to confirm what your account allows.

If a plan isn't available to you right now, that's okay too. BetterHelp's flexible subscription model, typically $70–$100 per week and billed weekly or every four weeks, is another quality way to access online therapy from a licensed therapist.

Beyond the logistics, please know that reaching out is a sign of strength. Therapy is a space to share what you're carrying, gain perspective, and build coping skills you can use well beyond our sessions. BetterHelp connects you with licensed therapists in a discreet online space through in-app messaging, live chat, phone, and video sessions, so you can meet from wherever you are. Between sessions, you can use in-app messaging, and your therapist will respond as soon as they can.

Whatever you decide, I hope you find a way to get the support you deserve. Taking this step—even just by asking—is already meaningful progress.

On behalf of the BetterHelp counseling team, I wish you the best.

Frequently asked questions about paying for BetterHelp

Does BetterHelp accept insurance?

Yes. Many therapists on BetterHelp accept 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 about $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 plan, location, provider network, and therapist availability.

How can I see in-network status?

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

What if insurance isn't available in my state?

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

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 is generally a qualified medical expense. Eligibility may vary, so check with your plan administrator.

What if I can't afford therapy at all right now?

BetterHelp offers income-based financial aid for those who qualify—contact the Customer Success Team to apply. Members may also be able to use HSA/FSA funds or insurance benefits to help lower out-of-pocket costs.

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

The subscription option provides another way to access care, typically $70–$100 per week, billed on a weekly or monthly basis. It gives you weekly sessions plus in-app messaging and added tools between sessions.