Best Insurance-Friendly Online Therapy Platforms
Compare online therapy platforms that accept insurance to maximize your mental health benefits and minimize out-of-pocket costs.
Insurance Coverage at a Glance
BetterHelp
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4.8/5 BetterHelp is the world's largest online therapy platform, offering affordable and convenient access to licensed therapists through messaging, phone, and video sessions.
Typical Copay Range:
N/A - Does not accept insurance Talkspace
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4.5/5 Talkspace offers online therapy and psychiatry services with insurance coverage options, providing access to licensed therapists and psychiatrists through text, audio, and video.
Insurance Partners:
Aetna Cigna Optum Anthem United Healthcare
Typical Copay Range:
$0-$30 per session (varies by plan) Cerebral
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4/5 Cerebral provides comprehensive online mental health care combining therapy and medication management, specializing in anxiety, depression, ADHD, and insomnia treatment.
Insurance Partners:
Aetna Cigna Blue Cross Blue Shield
Typical Copay Range:
$10-$50 per session (varies by plan) Online-Therapy.com
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4/5 Online-Therapy.com specializes in Cognitive Behavioral Therapy (CBT) with a structured program including worksheets, yoga videos, and activity plans alongside traditional therapy.
Typical Copay Range:
N/A - Does not accept insurance ReGain
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4.3/5 ReGain specializes in relationship counseling and couples therapy, allowing both partners to participate in joint sessions with licensed marriage and family therapists.
Typical Copay Range:
N/A - Does not accept insurance MDLive
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4.2/5 MDLive offers comprehensive virtual healthcare including therapy, psychiatry, and primary care services with insurance coverage and 24/7 availability.
Insurance Partners:
Aetna Cigna United Healthcare Anthem Blue Cross Blue Shield Humana
Typical Copay Range:
$0-$50 per session (varies by plan) Brightside
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4.1/5 Brightside combines therapy and psychiatry with a data-driven approach, specializing in depression and anxiety treatment with medication management.
Insurance Partners:
Aetna Anthem Blue Cross Blue Shield
Typical Copay Range:
$10-$40 per session (varies by plan) Calmerry
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4/5 Calmerry offers affordable online therapy with licensed therapists through video sessions and messaging, focusing on accessibility and convenience.
Typical Copay Range:
N/A - Does not accept insurance Amwell
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4.1/5 Amwell provides comprehensive telehealth services including mental health therapy, psychiatry, and primary care with insurance coverage and 24/7 availability.
Insurance Partners:
Aetna Cigna United Healthcare Blue Cross Blue Shield Anthem Medicare
Typical Copay Range:
$0-$45 per session (varies by plan) Lasting
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4.4/5 Lasting is a couples therapy and relationship wellness app that combines therapy sessions with interactive exercises, communication tools, and relationship assessments.
Typical Copay Range:
N/A - Does not accept insurance Doctor On Demand
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4/5 Doctor On Demand offers virtual healthcare including therapy, psychiatry, and primary care with board-certified providers available 24/7 and insurance coverage.
Insurance Partners:
Aetna Cigna United Healthcare Blue Cross Blue Shield Anthem
Typical Copay Range:
$0-$50 per session (varies by plan) Pride Counseling
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4.5/5 Pride Counseling offers online therapy specifically designed for the LGBTQ+ community, with licensed therapists experienced in LGBTQ+ issues and affirming care.
Typical Copay Range:
N/A - Does not accept insurance Detailed Platform Comparisons
1
BetterHelp
truetruetruetrue 4.8/5
Insurance & Costs
- Base Price: $60-$90/week
- Typical Copay: N/A - Does not accept insurance
- Accepted Insurance:
Jordan Zhang
- Unlimited messaging with your therapist
- Live video sessions (30-45 minutes)
- Phone sessions available
- Live chat sessions
- Group therapy sessions (included)
- Therapy worksheets and journaling
- Secure and confidential platform
Pros
- Largest network of licensed therapists (over 30,000)
- Multiple communication methods (text, video, phone, live chat)
- Flexible scheduling and 24/7 messaging
- Financial aid available for those who qualify
- Quick therapist matching (usually within 24-48 hours)
- Easy therapist switching at no extra cost
Cons
- Does not accept insurance
- Therapists are independent contractors, not employees
- Video quality can vary depending on connection
- No medication management or psychiatric services
- Pricing can add up over time
- Some states have limited therapist availability
2
Talkspace
truetruetruetrue 4.5/5
Insurance & Costs
- Base Price: $65-$99/week
- Typical Copay: $0-$30 per session (varies by plan)
- Accepted Insurance:Aetna Cigna Optum Anthem United Healthcare
Jordan Zhang
- Unlimited messaging therapy
- Live video sessions (varies by plan)
- Audio messaging
- Psychiatry and medication management
- Insurance billing support
- Mobile app with journaling tools
Pros
- Accepts many major insurance plans
- Medication management available through psychiatrists
- Text, audio, and video therapy options
- Specializes in specific conditions (anxiety, depression, etc.)
- Corporate wellness programs available
- Teen therapy services (13-17 years old)
Cons
- More expensive than some competitors
- Insurance coverage can be confusing
- Video sessions require separate subscription tier
- Fewer therapists than BetterHelp
- Some complaints about customer service response time
3
Cerebral
truetruetruetrue 4/5
Insurance & Costs
- Base Price: $85-$325/month
- Typical Copay: $10-$50 per session (varies by plan)
- Accepted Insurance:Aetna Cigna Blue Cross Blue Shield
Jordan Zhang
- Monthly therapy sessions
- Medication management and prescriptions
- Unlimited messaging with care team
- Prescription delivery
- Progress tracking tools
- Mobile app access
Pros
- Medication management included in all plans
- Specializes in ADHD, anxiety, depression, and insomnia
- Accepts some insurance plans
- Prescription delivery available
- Care counselors for ongoing support
- Comprehensive treatment approach
Cons
- More expensive than therapy-only services
- Experienced regulatory challenges in some states
- Therapy sessions are limited per month
- Customer service complaints
- Not available in all states
4
Online-Therapy.com
truetruetruetrue 4/5
Insurance & Costs
- Base Price: $40-$88/week
- Typical Copay: N/A - Does not accept insurance
- Accepted Insurance:
Jordan Zhang
- CBT-focused therapy program
- Therapy worksheets and activities
- Yoga and meditation videos
- Live video sessions
- Unlimited messaging
- Progress tracking and journaling
- Activity planning tools
Pros
- Focused on evidence-based CBT therapy
- Comprehensive therapy program with worksheets
- More affordable than many competitors
- Includes yoga and meditation resources
- Structured 8-section therapy program
- Good for specific behavioral changes
Cons
- Does not accept insurance
- Primarily focused on CBT (limited modalities)
- Fewer therapists than larger platforms
- Video sessions limited compared to messaging
- Interface less modern than competitors
5
ReGain
truetruetruetrue 4.3/5
Insurance & Costs
- Base Price: $60-$90/week
- Typical Copay: N/A - Does not accept insurance
- Accepted Insurance:
Jordan Zhang
- Joint couples therapy sessions
- Individual partner sessions available
- Unlimited messaging
- Live video sessions
- Phone sessions
- Relationship worksheets
- Private and secure platform
Pros
- Specialized in couples and relationship therapy
- Both partners can participate at same price
- Licensed marriage and family therapists
- Multiple communication methods
- Flexible scheduling
- Relationship-focused resources and worksheets
Cons
- Does not accept insurance
- Limited to relationship issues
- Same price structure as BetterHelp
- No medication management
- Fewer individual therapy options
6
MDLive
truetruetruetrue 4.2/5
Insurance & Costs
- Base Price: $108-$284/session
- Typical Copay: $0-$50 per session (varies by plan)
- Accepted Insurance:Aetna Cigna United Healthcare Anthem Blue Cross Blue Shield Humana
Jordan Zhang
- Video therapy sessions
- Psychiatry and medication management
- Primary care consultations
- Dermatology and urgent care
- Prescription services
- Insurance billing support
- 24/7 availability
Pros
- Accepts most major insurance plans
- 24/7 access to healthcare providers
- Offers therapy and psychiatry services
- Same-day appointments available
- Integrated with many health systems
- Comprehensive healthcare platform (not just mental health)
Cons
- More expensive without insurance
- Focuses on medical model vs. ongoing therapy
- Less personalized than dedicated therapy platforms
- Session-based pricing (not subscription)
- Interface feels more clinical than user-friendly
7
Brightside
truetruetruetrue 4.1/5
Insurance & Costs
- Base Price: $95-$299/month
- Typical Copay: $10-$40 per session (varies by plan)
- Accepted Insurance:Aetna Anthem Blue Cross Blue Shield
Jordan Zhang
- Psychiatry consultations
- Medication management
- Therapy sessions
- Unlimited messaging with care team
- Medication delivery
- Progress tracking
- Mobile app
Pros
- Combines therapy and medication management
- Data-driven personalized treatment plans
- Accepts some insurance plans
- Specializes in depression and anxiety
- Regular provider check-ins
- Medication delivery included
Cons
- More expensive than therapy-only services
- Limited therapy session frequency
- Not available in all states
- Primarily medication-focused approach
- Newer platform with less reviews
8
Calmerry
truetruetruetrue 4/5
Insurance & Costs
- Base Price: $42-$84/week
- Typical Copay: N/A - Does not accept insurance
- Accepted Insurance:
Jordan Zhang
- Video therapy sessions
- Unlimited messaging
- Licensed therapists
- Mobile-friendly platform
- Therapy worksheets
- Progress tracking
Pros
- Very affordable pricing
- Licensed therapists in all 50 states
- Video and messaging therapy
- Easy to switch therapists
- No long-term commitment
- Financial assistance available
Cons
- Does not accept insurance
- Fewer features than larger platforms
- Less therapist availability
- No phone therapy option
- Newer platform with smaller network
9
Amwell
truetruetruetrue 4.1/5
Insurance & Costs
- Base Price: $99-$279/session
- Typical Copay: $0-$45 per session (varies by plan)
- Accepted Insurance:Aetna Cigna United Healthcare Blue Cross Blue Shield Anthem Medicare
Jordan Zhang
- Video therapy sessions
- Psychiatry consultations
- Medication management
- Primary care integration
- Insurance billing
- 24/7 availability
- Mobile app
Pros
- Accepts most major insurance
- Comprehensive healthcare platform
- 24/7 provider availability
- Therapy and psychiatry services
- Integrated with health systems
- Same-day appointments
Cons
- Expensive without insurance
- Less focused on ongoing therapy relationships
- Per-session pricing adds up
- More clinical than user-friendly
- Not therapy-specialized
10
Lasting
truetruetruetrue 4.4/5
Insurance & Costs
- Base Price: $11.99-$299/month
- Typical Copay: N/A - Does not accept insurance
- Accepted Insurance:
Jordan Zhang
- Video couples therapy sessions
- Relationship assessments
- Daily interactive exercises
- Communication tools
- Progress tracking
- Library of relationship content
- Both partners included
Pros
- Specialized in couples and relationships
- Affordable app-based therapy option
- Interactive exercises and assessments
- Science-based relationship tools
- Both partners can use together
- Licensed couples therapists available
Cons
- Does not accept insurance
- App-based may feel less personal
- Limited to relationship issues
- Therapy add-on increases cost
- No medication management
11
Doctor On Demand
truetruetruetrue 4/5
Insurance & Costs
- Base Price: $99-$269/session
- Typical Copay: $0-$50 per session (varies by plan)
- Accepted Insurance:Aetna Cigna United Healthcare Blue Cross Blue Shield Anthem
Jordan Zhang
- Video therapy sessions
- Psychiatry consultations
- Medication management
- Primary care services
- Chronic condition management
- Insurance billing
- Mobile app
Pros
- Accepts major insurance plans
- Board-certified providers
- 24/7 availability
- Therapy and psychiatry services
- Same-day appointments
- Integrated with many employers
Cons
- Expensive without insurance
- Session-based (not subscription)
- Less personalized than dedicated therapy apps
- More medical than therapeutic approach
- No messaging therapy
12
Pride Counseling
truetruetruetrue 4.5/5
Insurance & Costs
- Base Price: $60-$90/week
- Typical Copay: N/A - Does not accept insurance
- Accepted Insurance:
Jordan Zhang
- Unlimited messaging
- Video therapy sessions
- Phone sessions
- Live chat
- LGBTQ+-specialized therapists
- Therapy worksheets
- Secure platform
Pros
- LGBTQ+-specialized therapists
- Affirming and inclusive environment
- Multiple communication methods
- Flexible scheduling
- Financial aid available
- Easy therapist switching
Cons
- Does not accept insurance
- Same price as BetterHelp
- No medication management
- Smaller therapist network
- Limited to LGBTQ+ community
Understanding Online Therapy Insurance Coverage
Coverage Basics
Learn how insurance coverage works for online therapy, including copays, deductibles, and coverage limits.
Cost Comparison
Compare out-of-pocket costs versus insurance coverage across different platforms and plans.
Provider Networks
Understand how provider networks affect your coverage and access to mental health professionals.
Tips for Maximizing Insurance Benefits
- Verify your coverage before starting therapy
- Understand your plan's mental health benefits
- Check if you need pre-authorization
- Keep track of your deductible and copays
Ready to Check Your Coverage?
Use our insurance coverage checker to find therapy platforms that accept your insurance and see estimated costs.