I have Cigna insurance through my job and an EAP. Does BH accept either of those as payment?

Thanks for reaching out. Many people ask about BetterHelp Cigna insurance when they're looking to offset therapy costs.

Here's the picture: BetterHelp accepts select Cigna and Evernorth behavioral health plans. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

As for your EAP, some employers offer an Employee Assistance Program that may cover a set number of therapy sessions. Since this depends on your employer's plan, it's a good idea to confirm the details with your HR or benefits contact.

When you sign up, you can enter your insurance information to view available options and estimated costs. Availability may still vary by plan, state, provider network, and therapist availability. Based on BetterHelp's own data, eligible members pay an average copay of $23 per session, which can help make ongoing care more affordable.

To learn more about BetterHelp Cigna insurance and other options before you begin, you can explore how BetterHelp works with insurance, or read about what to expect from online therapy.

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. Eligible members' average copay is $23 per session.

Does BetterHelp accept Cigna insurance?

BetterHelp accepts select Cigna and Evernorth behavioral health plans. Availability varies 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. Coverage and cost may vary by state, plan, provider network, therapist availability, and deductible status.

Which major carriers work with BetterHelp providers?

Many providers on BetterHelp participate in major insurance networks such as Cigna, Aetna, and UnitedHealthcare, along with state-specific Blue Cross Blue Shield plans including Anthem, CareFirst, and Highmark. Coverage varies by region and plan.

How can I check my in-network status?

During sign-up, you can enter your insurance information to view available options, estimated costs, and plan details. Availability may vary by state, plan, provider network, and therapist availability.

Can I use an EAP to pay for BetterHelp?

Some employers offer an EAP that may cover a set number of therapy sessions. Coverage depends on your employer's plan, so it's a good idea to confirm the details with your HR or benefits contact.

What if insurance isn't available in my state?

If insurance isn't available at this time, BetterHelp's flexible subscription option is a quality alternative, typically ranging from $70 to $100 per week.

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, as it's generally considered a qualified medical expense. 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. Beyond insurance, BetterHelp offers a subscription option starting around $70 to $100 per week, accepts HSA and FSA funds where eligible, and in some cases financial assistance may be available based on income.

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

The subscription option offers a flexible, quality way to access therapy when insurance isn't available, typically $70 to $100 per week. Both are valid ways to access care — the right fit depends on your situation.