Online Therapy
Covered By Insurance

Many health insurance plans cover online therapy (also called telehealth or virtual therapy), including sessions delivered through licensed providers on BetterHelp.

Under federal mental health parity laws, insurance plans that offer mental health benefits must provide comparable coverage to medical services. Many insurers now cover online therapy at the same level as in-person visits.

Coverage depends on your specific health plan, whether your therapist is in-network, and your deductible, copay, or coinsurance. To confirm whether your plan covers online therapy, contact your insurance provider or check your member portal.

To find a therapist who takes your insurance, check your insurance company’s online provider directory, call the number on the back of your insurance card, ask whether online therapy is covered, and confirm whether the provider is in-network.

When signing up for BetterHelp, you can check whether providers in your state accept your specific insurance plan.

Yes. Some providers on BetterHelp now accept major insurance carriers. In many states, certain therapists on BetterHelp may be in-network with certain insurance plans. Coverage depends on your plan, provider, and availability. When sessions are covered, members who have a copay typically pay an average of about $23 per session.

Explore insurance coverage in states like Arkansas, Florida, Illinois, Indiana, Kentucky, Maryland, Michigan, Montana, New York, North Carolina, Pennsylvania, Tennessee, Texas, Vermont, Virginia, Washington, and District of Columbia (DC).

Find online therapy covered by insurance. Many independent providers on BetterHelp accept insurance from major carriers, including Cigna, UnitedHealthcare, and several state-specific Blue Cross Blue Shield plans such as Anthem, CareFirst, and Highmark. Coverage varies by state and by provider availability.

Don’t see your insurance plan? BetterHelp is working with major insurance carriers across the United States to provide affordable therapy through insurance. Until then, our flexible subscription model continues to be an option to receive quality care from our extensive therapist network, with subscriptions around $70-$100/week*.

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

You can check your eligibility through the signup flow. If insurance is available in your state, you’ll see it as a payment option and can enter your insurance information. We’ll run an eligibility check and show your estimated cost before you decide whether to continue.

Insurance often covers individual therapy, family and couples counseling (when deemed medically necessary), psychiatric services including medication management, and online therapy options. Please note that providers on BetterHelp do not prescribe medications.

Contact your insurance provider directly using the number on your insurance card, check online member portals, or ask your therapist to verify your coverage to learn more.

You may have copays, coinsurance, deductibles, and other out-of-pocket expenses depending on your plan. Reviewing your insurance coverage can help you understand these costs.

If insurance doesn’t fully cover therapy costs, there are options that include:

• Using health savings accounts (HSA) or flexible spending accounts (FSA)
• Seeking providers who offer sliding scale fees or payment plans
• Exploring community mental health resources
• Checking with your employer to see if they offer EAPs that provide free or low-cost therapy sessions to employees and their families

In-network therapists have contracts with your insurance company and typically offer lower out-of-pocket costs.

Out-of-network therapists do not have contracts with your insurance provider. You may pay the full session fee upfront and submit claims for partial reimbursement if your plan includes out-of-network benefits.

Out-of-network reimbursement depends on your plan’s deductible, reimbursement rate, and session limits.

Some insurance plans offer partial reimbursement for out-of-network therapy, but coverage depends on your specific benefits and plan. It’s important to check your insurance details before starting therapy.

• In-network providers have contracts with your insurance company and usually offer lower out-of-pocket costs.
• Out-of-network providers do not have such contracts, which may result in higher costs or limited reimbursement.

Many insurance plans have session limits or caps per year. Understanding these limits can help you plan your therapy and manage costs.

Yes. Existing members can now switch to insurance payment in all states where this option is available, subject to plan coverage, availability and eligibility. Within the BetterHelp app account settings you are able to switch payment options to include insurance. If you are a new member, to see if your insurance is eligible, you can go through the signup flow and select insurance as a payment option if it’s available in your state.

If your insurance plan does not cover BetterHelp, our flexible subscription model continues to be an affordable option to receive quality care from our extensive therapist network, with subscriptions around $70-$100/week*.

Online therapy with BetterHelp with or without insurance coverage is an affordable option for mental health care. In-person therapy can cost $100–$350 per session without insurance, while online therapy options can be more affordable if your insurance does not cover BetterHelp.

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

To find out if your insurance covers therapy, start by calling the customer service number on the back of your insurance card.

Provide your policy details and ask specific questions about your mental health benefits, including:

• Coverage for therapy sessions
• Copays
• Session limits
• Whether your preferred therapist is an in-network provider.

You can also ask your therapist or their office to verify your insurance coverage before beginning treatment. Additionally, many insurance companies offer online member portals where you can check your coverage details and find in-network therapists.

Insured members using the BetterHelp platform typically pay an average copay of about $23 per session. Coverage varies by plan, provider, and therapist availability.

Typical copays for online therapy sessions covered by insurance usually range from $20 to $50 per session, depending on your specific health plan and insurance provider. Some plans may offer lower copays for in-network therapists, helping to reduce your out-of-pocket costs. It's important to check your insurance coverage details to understand your exact copay amounts and any session limits.

Yes. Many providers on BetterHelp now accept Cigna insurance. Check your in-network status on the BetterHelp site. Coverage depends on your plan, provider, and availability.

When sessions are covered, members typically pay an average copay of about $23 per session. Coverage varies by state and provider availability.

Yes. Many providers on BetterHelp now accept UnitedHealthcare insurance. Check your in-network status on the BetterHelp site. Coverage depends on your plan, provider, and availability.

When sessions are covered, members typically pay an average copay of about $23 per session. Coverage varies by state and provider availability.

Yes. Many providers on BetterHelp now accept several state-specific Blue Cross Blue Shield (BCBS) insurance plans such as Anthem, CareFirst, and Highmark. Check your in-network status on the BetterHelp site. Coverage depends on your plan, provider, and availability.

When sessions are covered, members typically pay an average copay of about $23 per session. Coverage varies by state and provider availability.

Yes. Providers on BetterHelp now accept Aetna insurance in Florida, Texas, and Virginia. Check your in-network status on the BetterHelp site. Coverage depends on your plan, provider, and availability.

When sessions are covered, members typically pay an average copay of about $23 per session. Coverage varies by state and provider availability.

Don’t see your state? We are currently working with insurance carriers to expand coverage across the United States. Check back to see when your state gets added, in the meantime, our flexible subscription model continues to be an option to receive quality care from our extensive therapist network.

At this time, providers on BetterHelp do not directly accept Medicaid, Medicare, or TRICARE.

These government-sponsored plans often have specific network requirements for behavioral health and telehealth services. If you have one of these plans, contact your state Medicaid office, Medicare plan, or TRICARE regional contractor to find in-network therapy providers covered under your benefits.

If you choose to use BetterHelp, you may explore out-of-network options if available or use our flexible subscription model for online therapy.