BetterHelp Cost: Pricing, Discounts, And Insurance Options

A BetterHelp subscription costs around $70 to $100 per week, billed weekly or monthly. The exact cost can vary based on factors like your location, referral source, preferences, therapist availability, and any applicable discounts or promotions.

Below, explore what's included in that price, available discounts, insurance and HSA/FSA options, and how BetterHelp compares to other therapy options. Understanding these details may help you decide if online therapy fits your budget and needs.

How much does BetterHelp cost?

If you're wondering how much BetterHelp costs, the subscription typically ranges from $70 to $100 per week, while in-person sessions may cost around $100 to $200 per session without insurance coverage. BetterHelp can be billed weekly or monthly, depending on your payment preferences. This flat-rate subscription covers your weekly sessions and additional resources.

Because BetterHelp uses a flat weekly rate, it can be helpful to see how that adds up over different timeframes. At a weekly rate of $70 to $100, a full month may cost approximately $280 to $400. If you're planning for a longer stretch of care, three months of BetterHelp may cost around $840 to $1,200, depending on where you fall within the weekly range.

BetterHelp pricing breakdown

BetterHelp pricing follows a straightforward structure. Your weekly rate typically falls between $70 and $100, and you can choose to be billed weekly or monthly based on what works best for your budget. The flat-rate subscription means you can see your cost each billing period, whether you think of that as a weekly, monthly ($280-$400), or quarterly ($840-$1,200) figure. Where you fall within the $70 to $100 range depends on factors specific to your situation, which you'll see reflected in the price displayed during sign-up.

Factors that may affect your BetterHelp cost

Your exact BetterHelp cost may vary based on several factors:

• Your geographic location
• Your referral source when signing up
• Your preferences and needs
• Therapist availability in your area
• Any applicable discounts or promotional codes
• Whether you qualify for financial aid

If the standard price feels out of reach, there are a few pathways that may bring the cost down.

What discounts are available for BetterHelp?

BetterHelp offers several options that may reduce your out-of-pocket costs. If the standard subscription price presents a financial hardship, there are pathways to make therapy more accessible, including financial aid and promotional offers.

Financial aid options

Financial aid may be available for select individuals who apply and qualify based on certain income criteria. If the cost of mental health services is a hardship, you can contact the Customer Success Team to apply for financial assistance. BetterHelp reviews applications and may offer reduced rates to those who qualify. These discounts apply to the non-insured subscription option only.

Promotional codes

Promotional codes may be available through various sources, including partner websites, social media, and special campaigns. If you have a promotional code, you can typically apply it during the sign-up process to receive a discount on your subscription. Like financial aid discounts, promotional codes apply to the non-insured subscription option only.

Does BetterHelp offer student discounts?

BetterHelp does not currently offer a specific student discount program. However, students who face financial constraints may still qualify for financial aid through the standard application process. Additionally, promotional codes may be available at various times that could reduce subscription costs for new users. Again, please note that these discounts apply to the non-insured subscription option only.

Does BetterHelp accept insurance or HSA/FSA?

BetterHelp offers multiple payment options that may help cover or reduce costs. Both insurance and HSA/FSA options may apply.

Insurance options for online therapy

BetterHelp accepts insurance and is in-network with 125+ insurance plans. Availability and coverage may vary by state, plan, provider network, therapist availability, and deductible status. When covered, co-pays average about $23 per session for eligible members. You can check your in-network status on the BetterHelp site through the sign-up flow. 

Using HSA/FSA for BetterHelp

BetterHelp currently accepts HSA/FSA cards and is recognized as an eligible expense by most HSA/FSA providers. This means you may be able to use pre-tax dollars from your health savings or flexible spending account to pay for your subscription.

Psychiatry and medication management 

BetterHelp also offers psychiatry services as an additional care option available alongside therapy. Psychiatry can be part of a holistic mental health care experience for individuals ages 18 and older who are experiencing mild to severe behavioral health disorders, including anxiety, depression, and other conditions that may benefit from psychiatric consultation.

Virtual psychiatry appointments typically begin with a comprehensive psychiatric evaluation, and ongoing follow-up visits are scheduled as determined collaboratively between the client and their provider. Care plans are individualized based on clinical needs and provider judgment, and psychiatry services may include medication management when clinically appropriate, based on a licensed psychiatric provider's evaluation.

Many psychiatric providers are in-network with most major insurers, and session costs can vary depending on your coverage and provider. 

Medication is one possible tool in a broader mental health treatment plan, and not everyone needs or benefits from medication. All treatment decisions are made by a licensed psychiatric provider. Medication availability and coverage may vary by member location, clinical appropriateness, and individual pharmacy/insurance benefits. Prescribing decisions are made by the treating clinicians. We do not guarantee that any specific medication will be prescribed or covered by a member's insurance plan.

*Based on finalized paid psychiatry visits with a copay. Insurance availability, coverage, and costs vary by state, plan, provider network, and provider availability.

What's included with a BetterHelp subscription

Understanding what your subscription covers can help you weigh the value against the cost. With BetterHelp online therapy, your subscription comes with a range of features and benefits:

• Fast matching – Most users are matched with a therapist within 48 hours
• Flat-rate pricing – See your cost during sign-up with no hidden fees
• Therapy sessions your way – Video, voice, or live chat
• Message anytime – Your therapist will respond when they can
• Easy to switch – Change therapists anytime until you find the right fit

Getting started involves a simple sign-up process. After answering a few questions about your preferences, needs, and what you're looking for in a therapist, you may be matched with a licensed professional in as little as 48 hours. In fact, 96% of users matched with a therapist within 24 hours in 2024.

If your initial match isn't quite right, you can switch therapists at any time at no additional cost. In 2024, 93% of BetterHelp user preferences were met when matching with a therapist.

When using insurance, certain BetterHelp features may be limited or unavailable, including chat-based sessions, groups/classes, and select self-help tools.

When using insurance, certain BetterHelp features may be limited or unavailable, including chat-based sessions, groups/classes, and select self-help tools.

Session types and formats

BetterHelp offers flexibility in how you connect with your therapist. You can choose from video sessions, phone calls, or live chat sessions based on your comfort level and preferences. Live sessions are typically 30 to 45 minutes long, though some BetterHelp therapists offer longer appointments depending on their availability and preferences. This variety allows you to find the therapy format that works best for you, and BetterHelp's live sessions earn a 4.9 out of five average rating from over 1.7 million client ratings.

Messaging and additional resources

Beyond live sessions, your subscription allows you to message your therapist at any time through the platform. If you forget to ask something during a session, you can message your therapist afterward, and they may offer tips or resources when they're available. You may also gain access to journaling features, worksheets your therapist can assign, and webinars on various mental health and relationship topics led by experts.

How BetterHelp pricing compares to other therapy options

When seeking therapy, understanding the cost difference between online and in-person options can help you make an informed decision. There can be a significant difference in pricing between the two formats for many people.

When using insurance, certain BetterHelp features may be limited or unavailable, including chat-based sessions, groups/classes, and select self-help tools.

Source

BetterHelp vs in-person therapy costs

The average cost of in-person therapy may range from $100 to over $200 per session. With BetterHelp's weekly rate of $70 to $100, the cost may be lower compared to in-person sessions.

BetterHelp vs. other online therapy platforms

If you're comparing online therapy platforms, you may notice that pricing tends to be similar across the landscape, with weekly rates typically ranging from $60 to $100. Rather than focusing on price alone, it can help to consider which features matter most to you, such as session format flexibility, messaging access, and the availability of financial aid or insurance options.

Is BetterHelp worth the cost?

Evaluating whether BetterHelp fits your needs often involves considering more than just the dollar amount. The value of online therapy may extend beyond the session itself to include convenience, flexibility, and accessibility. For your weekly rate, you may gain a live session, the ability to message your therapist between appointments, and access to worksheets, journaling tools, and expert-led webinars.

People who prefer attending sessions from home and want support that fits around a busy schedule may find this combination helpful. It's also worth noting that in BetterHelp's 2025 clinical outcomes report, 78% of users who experienced elevated depression symptoms showed improvement within 12 weeks. 

Questions to consider before subscribing

Before deciding which option may work best for you, it can be helpful to reflect on the following questions:

• Do you have to spend time and money commuting to see an in-person therapist?
• Do you have trouble keeping in-person appointments due to scheduling constraints?
• Are you more comfortable attending sessions from home?
• Would messaging between sessions be valuable to you?

How effective is online therapy?

Research supports the use of online therapy as an effective treatment option and a valid alternative to in-person mental health care. For example, a 2025 study noted that both in-person and online therapy displayed a growth model in which participants started with depression and anxiety symptoms above the clinical level that fell below the clinical level as treatment went on.

How many sessions do you get with BetterHelp?

Your BetterHelp subscription includes one live session per week, along with in-app messaging with your therapist, who may respond when they can. Some therapists may be available for more than one live session per week. If you schedule additional sessions beyond your weekly allotment, you may be charged an extra fee per session. If you believe you need more frequent sessions, discussing this with your therapist can help you determine the best approach for your situation.

How to cancel BetterHelp

Therapy may not be a linear journey. Some individuals may feel comfortable stopping therapy after only a few sessions, while others may wish to continue with mental health support for months or years. The choice is yours. With BetterHelp, you can pause or cancel your subscription at any time, for any reason, through your account settings.