Online Therapy That Takes Insurance

Yes, BetterHelp accepts insurance for online therapy through 125+ major insurance plans, and eligible members pay a copay as low as $15. Insurance availability and coverage vary by state, plan, insurance network, and therapist availability. For a full breakdown of how BetterHelp works with insurance plans, see our detailed guide on BetterHelp insurance coverage.

Yes, most health insurance plans that include mental health benefits also cover online therapy, also called telehealth or virtual therapy. Federal mental health parity laws generally require plans that offer mental health benefits to treat them comparably to medical benefits. BetterHelp accepts many insurance plans, helping more people access therapy with licensed providers online. Your actual 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.

BetterHelp accepts insurance through 125+ major insurance plans, including Cigna, Aetna, Optum, Curative, UnitedHealthcare, and several state-specific Blue Cross Blue Shield plans such as Anthem, CareFirst, and Highmark. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

BetterHelp is actively working with additional carriers to expand access. If your plan isn't available at this time, our flexible subscription model starting at $70 to $100* per week is a quality alternative. Additionally, members may be able to use HSA and FSA funds to help pay for therapy services. *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 if your insurance is accepted directly during BetterHelp signup, where you may be prompted to choose between using insurance or paying out of pocket, if insurance is available as a payment option. Insurance availability, coverage, and costs vary based on factors such as your state, insurance plan, provider network, therapist availability, and deductible status. Existing members may also be able to switch to insurance as a payment option through their account settings in the BetterHelp app, where available.

Insurance coverage for online therapy works the same way it does for other outpatient mental health care: your plan covers part of the session cost, and you cover the rest through a copay, coinsurance, or deductible. If your therapist is in-network, your insurer has a contracted rate and you typically pay less out of pocket. If your therapist is out-of-network, you may need to pay the full fee upfront and file a claim for partial reimbursement. On BetterHelp, if insurance is available as a payment option in your state, you'll see it during signup along with your estimated out-of-pocket cost. With insurance, many members pay $15 or less. Some pay $0.

In most cases, yes. Many states have telehealth parity laws requiring insurers to cover online therapy sessions at the same rate as in-person visits when both are covered benefits, and federal mental health parity laws generally require plans that offer mental health benefits to cover them comparably to medical benefits. That said, coverage can still differ based on your specific plan, whether your therapist is in-network for telehealth specifically, and your state's regulations. Check your plan documents or member portal to confirm how your insurer handles online versus in-person therapy coverage.

To find an online therapist who accepts your insurance, check your insurance company's online provider directory, call the number on the back of your insurance card, and ask how your plan covers online therapy. With BetterHelp, if insurance is available as a payment option, we'll help match you with available licensed providers who are in network with your plan. When signing up for BetterHelp, insurance may appear as a payment option depending on your state, plan, provider network, and therapist availability. If insurance is available, you will be able to review available provider options during signup.

In-network therapists have contracts with your insurance company and typically mean lower out-of-pocket costs, depending on your plan. Out-of-network therapists do not have contracts with your insurer. If your plan includes out-of-network benefits, you may pay the full session fee upfront and submit a claim to request partial reimbursement. Out-of-network reimbursement depends on your plan's deductible, reimbursement rate, and session limits.

With insurance, online therapy through BetterHelp costs an as low as $15 for eligible members. Your exact cost depends on your specific insurance plan, whether your therapist is in-network, your deductible status, and your plan's mental health benefits, so your copay may be higher or lower than the average. If insurance isn't available for your plan, BetterHelp's subscription option starts at $70 to $100 per week, and HSA or FSA funds may also help cover the cost. For a full cost breakdown, see our guide on BetterHelp insurance coverage.

The average copay for online therapy is $23 per session for BetterHelp members who use insurance, or as low as $15. Some pay $0. Your actual copay depends on your specific insurance plan, whether your therapist is in-network, and how much of your deductible you've met, so it may be higher or lower than the average. To find your exact copay for online therapy, check your insurance plan's member portal or call the number on the back of your insurance card.

Without insurance, BetterHelp typically costs $70 to $100 per week, billed weekly or monthly. That includes messaging with your therapist, in-app features like a digital journal and worksheets, and live sessions. Subscription pricing is based on factors such as your location, referral source, preferences, therapist availability, and any applicable discounts or promotions.

We're actively expanding our network of licensed therapists who accept insurance on the BetterHelp platform. If you don't see insurance as a payment option during signup, it may not be available based on your state, plan, provider network, or therapist availability at that time. In the meantime, BetterHelp's flexible subscription plan remains available as another way to access care. BetterHelp also accepts HSA/FSA cards and is recognized as an eligible medical expense by most providers.

Whether to use insurance or pay out of pocket for online therapy depends on your mental health coverage, therapist availability, and total cost of care. Insurance may be a good fit if your plan includes online therapy benefits, your deductible is low, and an in-network provider is available.

Yes. BetterHelp is in-network with select Cigna plans. Cigna is available through BetterHelp, with in-network provider availability varying by state, plan, provider network, and therapist availability. Eligible members' average copay is $26 per session. Insurance availability and coverage may vary by state, plan, provider network, and therapist availability.

Yes. BetterHelp is in-network with select UnitedHealthcare (UHC) plans. UnitedHealthcare is one of the largest insurers in the U.S. and is one of the insurance carriers available through BetterHelp, with provider availability varying by state, plan, provider network, and therapist availability. Eligible members’ average copay is $25 per session.

Yes. BetterHelp is in-network with select Blue Cross and Blue Shield plans, including Anthem, CareFirst, and Highmark. Because BCBS operates as a network of independent regional plans, coverage varies significantly by state. Always verify your specific BCBS plan during sign-up. Eligible members’ average copay is $21 per session.

Yes. BetterHelp is in-network with select Aetna plans. Availability may vary by plan, location, and other factors. Eligible members' average copay is $21 per session.

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. Medicare Part B covers outpatient mental health services, including telehealth sessions with approved providers. For the most current information on Medicare telehealth coverage, visit medicare.gov. Medicaid coverage for online therapy varies by state. Visit medicaid.gov to check your state's telehealth benefits. If you have one of these plans and need additional support finding care, contact your state Medicaid office, Medicare plan, or TRICARE regional contractor.