What if I really need the therapy but can't afford it?

Hi there. Reaching out when you can't afford therapy is a meaningful step. There may be several affordable therapy options worth exploring.

Online therapy through BetterHelp can be more affordable than in-person care. Memberships may cost $70 to $100 per week (billed weekly or every four weeks). You can cancel anytime. Financial assistance is sometimes available—you can contact support@betterhelp.com to ask about a scholarship.

BetterHelp accepts insurance through many major insurance plans. Eligible members' average copay is $23 per session. You can explore the current insurance options at BetterHelp. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

If insurance isn't available at this time, BetterHelp's flexible subscription model can be a quality alternative. BetterHelp is actively working with additional carriers to expand access to care.

Some therapists work with a sliding scale, adjusting fees based on ability to pay. You can ask any therapist you speak with whether that is an option. Affordable online therapy through BetterHelp may be one path; sliding-scale providers offer another.

Questions about cost of therapy and insurance

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.

What might my average copay look like?

Eligible members' average copay is about $23 per session. Costs can vary based on your plan and deductible status.

Which insurance carriers work with BetterHelp providers?

Many providers accept major carriers such as Cigna, Aetna, and UnitedHealthcare. Regional Blue Cross Blue Shield plans may also apply. Availability varies by plan and therapist.

How can I see if a provider is in-network?

During signup, you can enter your insurance information to view available options. Coverage may vary by state and plan.

What if insurance isn't available in my state?

If insurance isn't available at this time, BetterHelp's flexible subscription model—generally $70 to $100 per week—remains a quality option, and BetterHelp is actively working to expand access to care.

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

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

Support may still be within reach. BetterHelp's subscription starts around $70 to $100 per week. Financial assistance is sometimes available—contact support@betterhelp.com to ask about a scholarship.

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

The subscription model offers a flexible, predictable way to access the same licensed therapists, with added features like messaging, journaling, and group sessions. It can be a strong fit whether or not insurance applies.