Alma for providers is Alma’s paid membership for licensed therapists and other mental health clinicians who want to take insurance in their own private practice. As an Alma provider, you get credentialed with insurers under Alma’s contracts, and Alma then bills those insurers for your sessions and lists you in a directory where clients can book you.
Membership also includes an EHR with telehealth, AI-assisted notes, and on-demand continuing education courses. As of October 2026, Alma costs $95 a month billed annually ($1,140 a year) or $125 a month on the monthly plan. Our Alma vs Grow Therapy comparison weighs Alma’s membership fee against Grow’s free model.
Alma does not publish what it pays therapists per session, so our guide to how much Alma pays therapists gathers the rates members report.
If you’re just getting started working with in-network clients, visit our guide on how to get credentialed with insurance as a therapist.
Editor's Note
We regularly review and update our content to provide the most accurate and current information. In this round of updates, we refreshed Alma’s membership prices, the insurance plans it credentials members with, and its rules for cash-pay clients and onboarding. We also added Alma’s 2026 acquisition by Spring Health and the 2026 Aetna rate change to the History and News section.
At a Glance
Cost: $95 a month billed annually, or $125 month to month
Insurance Billing Features? Yes
Includes Telehealth Platform? Yes
Pros & Cons
Pros
- More comprehensive system of features than other directory and insurance billing platforms
- EHR features such as treatment plan templates, telehealth, and others
- Higher reimbursement rates than competitors, according to members
- Discounts on annual memberships
- Comprehensive community and continuing education content
Cons
- One of the only directory and insurance billing platforms that require a monthly fee
- No publicly available information about reimbursement rates – however, this is usually the case with this type of platform
- To use Alma, you must be fully, independently licensed
- No free trial period
Preview Alma
Alma is a comprehensive billing and directory platform for therapists and psychologists. Features include billing support, insurance credentialing, and a provider directory. Alma allows you to maintain the autonomy of your private practice while taking much of the administrative stress from you. As of October 2026, Alma costs $95 a month billed annually ($1,140 a year) or $125 a month on the monthly plan, and there is no free trial. It is one of the only directory and insurance billing platforms that require a monthly fee.
One of Alma’s perks is its robust community of members. In Alma’s community hub, members can meet other providers, attend webinars and workshops hosted by other members, and access continuing education content provided by NYU. Alma is a great resource, but practitioners with only partial or no licensure status, or those who are consistently billing an adequate number of out-of-network clients should consider other options.
Key Takeaways
- Alma is a comprehensive system for growing a private practice that handles all matters related to credentialing and billing insurance on your behalf. It is a combination directory and billing platform, with the addition of an EHR and marketing features.
- As of October 2026, Alma membership costs $95 a month billed annually ($1,140 a year) or $125 a month on the monthly plan. Alma does not publish its reimbursement rates, though it says its insurer contracts give members enhanced rates, and you see your own rates in your membership agreement. Our guide to how much Alma pays therapists gathers the figures members report.
- You must be fully and independently licensed to use Alma for your practice.
More than 5,000 therapists trust Heard to run the financial side of their practice. Choose Essential if you are solo or Premium for S corps and group practices, and get bookkeeping, taxes, payroll, and banking in one place with real human support.
Klarity Health credentials you under your own NPI and Tax ID, so the insurance contracts stay with you. Your first three panels are free*, and Klarity Health’s team handles the weekly payer follow-ups while you wait. Once you are in-network, the same team runs your billing for 3.9% of paid claims.
*$50 refundable deposit per panel. Program terms apply.
What Is Alma?
Alma is a comprehensive billing and directory platform for therapists and psychologists. Features include billing support, insurance credentialing, and a provider directory. As of October 2026, Alma costs $95 a month billed annually ($1,140 a year) or $125 a month on the monthly plan, and there is no free trial.
Below, we will explore some of Alma’s primary offerings and how they might help your practice. It is worth noting that Alma’s representatives were unwilling to allow me to use the product hands-on, stating this would be a “privacy issue.”
Review our scoring criteria for therapist directories here.
Review our complete editorial policies here.
Easy, Hands-Off Insurance Credentialing & Billing
Alma allows you to maintain the autonomy of your private practice while taking much of the administrative stress from you. Clients can book directly from the directory knowing which insurance payors you are credentialed with through Alma. For how Alma stacks up against Headway on fees and pay, see our Alma vs Headway comparison. You’ll conduct the sessions and work with the client, and Alma will handle all of the insurance billing on your behalf.
According to Alma, upon sign-up, it will take less than 45 days for Alma to negotiate your credentialing through its insurance payors. Then, for each claim that Alma submits, you will receive your reimbursement within two weeks. Alma also automatically checks a client’s insurance eligibility prior to scheduling to ensure they are in-network and notifies them of their coverage.
Alma has insurance partners in all 50 states, and every new member must get credentialed with at least one of its core payers: Aetna, Cigna, or Optum (checked October 19, 2026). Its partner list also includes UnitedHealthcare, Oscar, Oxford, and Carelon, plus Blue Cross Blue Shield and Anthem plans in some states only, such as BCBS of Texas, Illinois, and Massachusetts.
Alma does not take Medicaid, Kaiser, or Humana plans, and its only Medicare option is UnitedHealthcare Medicare, as Alma confirmed to us in September 2026. You are credentialed under Alma’s tax ID, so if you are already in network with Aetna, Cigna, or Optum on your own, you still need to be credentialed through Alma to see those clients on the platform.
You can also see cash-pay clients through Alma, and Alma says it takes no cut of that income because the membership fee covers it. Card payments carry a processing fee of 2.4% plus $0.30 per invoice, according to Alma’s savings calculator, and Alma can generate superbills for clients who want to claim out-of-network benefits (checked October 2026).
Gain New Client Referrals with Alma’s Built-In Directory
Alma operates a proprietary directory platform that integrates its mission to make insurance-funded therapy more accessible. With a directory that considers the insurances you have been credentialed with, Alma can deliver you quality client leads integrated with your calendar availability. Alma removes the friction that takes place when you add variables like availability and insurance.
Alma also includes a built-in cost estimator that allows clients to enter their insurance information and receive an estimate of their out-of-pocket costs before booking. The tool verifies insurance coverage and displays the expected copay, helping clients better understand what they’ll owe per session. This added transparency allows people to move forward with therapy more confidently, reducing the risk of surprise bills or financial hesitation at the outset.
Client Caseload & Practice Management Solutions
Alma includes a handful of solutions for managing your practice. With the Alma calendar, you will be able to upload your availability into the system which allows your clients to book with you directly with minimal friction. Appointment reminders will be sent to clients automatically to help improve client show rates.
In addition to calendar management, Alma includes a built-in HIPAA-compliant instance of Zoom for conducting virtual sessions. There are also helpful treatment plans, progress note templates, and intake forms such as consent forms, an intake questionnaire, and clinical assessments.
In 2024, Alma introduced Note Assist, an AI-powered tool designed to streamline clinical documentation. This feature allows Alma clinicians to record sessions (with client consent), generate transcripts, and receive structured note suggestions tailored to the conversation. According to Alma, transcripts and recordings are permanently deleted once a note is finalized, and the entire process is secure and HIPAA-compliant. Notably, transcripts are never used to train AI models. If you’re open to integrating AI into your workflow, Note Assist could be a helpful time-saver, allowing you to stay more present during sessions without falling behind on paperwork.
Overall, these additional practice management features help to set Alma apart from other directory and insurance billing platforms and would mean you need to lean less on external EHR software for Alma clients.
Robust Community Support & Continuing Education
One of Alma’s perks is its robust community of members. In Alma’s community hub, members can meet other providers, attend webinars and workshops hosted by other members, and access continuing education content provided by NYU.
Newly minted therapists and seasoned practitioners alike can benefit from a community of peers to exchange ideas and learn from each other. I can easily see how Alma’s community hub, on top of its administrative assistance, would greatly benefit a new private practice owner.
How Much Does Alma Cost?
As of October 2026, Alma costs $95 a month on the annual plan, billed as $1,140 a year, or $125 a month on the monthly plan, which comes to $1,500 a year. This cost includes all of the features of Alma and is a much simpler pricing system compared to many of the other billing and directory platforms available.
There is no free trial, but Alma gives new members complimentary months, or an equivalent discount on the annual plan, while they finish onboarding. Reimbursement rates will vary significantly depending on your location, credentials, and other variables, however Alma’s contracted rates are typically higher than a therapist could obtain through credentialing on their own.
Features included in Alma’s cost include:
- A simple insurance credentialing and billing solution
- Insurance-first directory profile listing and client-matching service
- Scheduling and appointment reminder features
- HIPAA-compliant Zoom-based telehealth platform
- Treatment plan templates and clinical tools like PHQ-9 and GAD-7
How Does the Cost of Alma Compare?
Alma is one of the only online insurance billing platforms and directories that charges a monthly fee; most are free to join, whereas Alma costs $1,140 a year on the annual plan or $125 a month on the monthly plan. However, from several sources around the internet ranging from Reddit to other reviews by therapists, the reimbursement rate is higher than competitors such as Headway.1 Of course, your exact reimbursement rates will vary depending on your location and other variables. To know for sure, you’ll need to contact Alma to learn how it will impact your revenue.
More than 5,000 therapists trust Heard to run the financial side of their practice. Choose Essential if you are solo or Premium for S corps and group practices, and get bookkeeping, taxes, payroll, and banking in one place with real human support.
Klarity Health credentials you under your own NPI and Tax ID, so the insurance contracts stay with you. Your first three panels are free*, and Klarity Health’s team handles the weekly payer follow-ups while you wait. Once you are in-network, the same team runs your billing for 3.9% of paid claims.
*$50 refundable deposit per panel. Program terms apply.
How Much Does Alma Pay Therapists?
Alma pays its therapists on a variable scale, depending on several factors. Specifically, the structure is such that you will be an independent contractor for Alma, which will reimburse you for the services provided.
Alma Reimbursement Rates
A discussion on reimbursements with this type of platform is intrinsically difficult as reimbursement rates may vary tremendously depending on a number of variables. For instance, a Licensed Professional Counselor in Atlanta billing Cigna may have an entirely different rate than a Psychologist out of California billing United Healthcare.
On top of all of this, the negotiations going on between companies like Alma and its insurance partners will constantly be shifting and updating, so it’s impossible to say what a given reimbursement rate will be in the long haul.
One therapist review of Alma noted that Alma released an update to their contracts that indicates it is a violation of terms to publicly disclose the reimbursement rates you receive in compensation. However, this therapist indicated that they have been, on average, receiving $100 per session.1
Since Alma has major contracts with top insurers, it is able to offer enhanced reimbursement rates that will usually be higher than what you would be able to negotiate with a payor on your own.
To determine your exact terms and rates, you’ll need to contact Alma directly.
Why Would I Want to Work With Alma?
Working with Alma is a unique experience that allows the autonomy of a private practice while offering a degree of support that helps you get your practice off the ground. Or it may make the difference in maintaining a practice without risking burnout from excessive administrative tasks.
Here are a few reasons why you might want to work with Alma:
- Become credentialed with insurers without having to manage the process, and significantly faster than you could on your own, while also receiving enhanced reimbursement rates.
- Accept insurance without having to manage benefits checks for clients or insurance billing
- Maintain the autonomy of a private practice with less administrative stress
- Find a reliable source of client referrals through a dedicated insurance-based system
- Ensure consistent revenue with reliable insurance reimbursement
How Does the Alma Directory Work for Therapists?
The Alma therapist directory allows potential clients to search for therapists who are Alma members based on their credentialing status with a given insurance payor. For example, a client can search for someone in their area that specifically accepts Cigna.
Alma’s directory takes insurance payors into account in the search as well as handling all the billing done through these payors. So, the quality of client referrals is improved, and general friction in the process is reduced considerably, which, in turn, leads to better client-therapist matches, more revenue, and better client relationships.
Therapist Directory on Psychology.com More than 30 million people visit ChoosingTherapy.com each year, and our directory now lives on Psychology.com. List your practice so potential clients can find you. Your first 30 days are free, then $49 a month.
Who Is Alma Right For?
Alma is ideal for new private practice owners and therapists that want to avoid extra administrative work, or those with no experience billing insurance on their own.
Therapists That Want to Avoid Extra Administrative Work
If you’re brand new to running a private practice or just like things as simple as possible, Alma may be able to help you better manage administrative headaches and focus on providing clients with quality care. With all of the rules and regulations involved in this kind of work, having a bit of help is definitely a benefit for those unfamiliar.
Those looking to avoid extra administrative tasks should consider investing in one of the best mental health EHRs.
Those Looking to Make the Jump to In-Network Care
Maybe you’ve had your practice a while and are looking to make the jump from out-of-network to in-network care. If you have no experience billing insurance on your own, Alma is an easier and faster route to get credentialed with insurance payors.
Alternatives & Competitors
Alma is a solid platform that handles insurance credentialing and billing for therapists end-to-end. With its built-in EHR features, it’s a compelling option, but other insurance-based platforms are worth considering.
Headway
Cost: Free for practitioners
Insurance Billing Features? Yes
Includes Telehealth Platform? Yes
Alma and Headway are similar platforms that offer insurance credentialing and billing support for private practice therapists. Both now include an EHR with telehealth and AI-assisted notes. Headway is free to join, whereas Alma costs $1,140 a year on the annual plan or $125 a month on the monthly plan. While reimbursement rates are highly variable between therapists, I found a handful of sources that indicate Alma’s rates are 1-5% higher than Headway’s.1
Pros & Cons
Pros
- Headway is free to use for therapists
- Additional features for insurance and out-of-pocket billing
- Existing clients can be imported into Headway for easy management
- Both talk therapists and medication practitioners can join
Cons
- Takes a 2.95% fee on private-pay card payments
- Limited features for practice management or documentation
- Some users reported lower reimbursement rates than competitors
Grow Therapy
Cost: Free
Insurance Billing Features? Yes
Includes Telehealth Platform? Yes
Alma and Grow Therapy offer very similar services. Both Grow Therapy and Alma now work in all 50 states. Grow Therapy does not have a monthly fee as Alma does. Both companies offer continuing education and a few other features, but Alma is more robust overall. As is typical in these sorts of platforms, reimbursement rates are highly variable and not publicly disclosed.
Pros & Cons
Pros
- Free to join with no ongoing costs
- Handles all aspects of in-network billing
- Features for billing cash-pay clients
- Therapists and medication providers alike can join
- In-network with Medicare and Medicaid
Cons
- Users report that customer support is not well-implemented
- Reports of client confusion over billing issues
- Subpar EHR features, according to users
- Takes 5% of cash-pay session fees
How Do I Get Started with Alma?
To get started with Alma, navigate to the Alma sign-up page, enter a few details, and an Alma representative will call you to get things started. The sign-up and onboarding process takes 1-2 days to get your profile set up; however, it can take up to 45 days to become fully credentialed with a given insurance payor. Throughout this process, members of Alma staff will help guide you.
Final Verdict
Alma could be a valuable tool for your practice. Of course, the precise fit will be determined by your preferences for how to run your practice, and what your current revenue stream looks like. If you are fully licensed and feel you could benefit from offering in-network services, it’s worth talking to Alma to learn more.
You should consider signing up for Alma if you:
- Are fully licensed and are looking to start providing in-network services
- Don’t want to handle insurance yourself, or are attracted to Alma offering better reimbursement rates than credentialing independently
You should consider looking for an alternative to Alma if you:
- Are not fully, independently licensed to practice therapy in your state
- Want to go in-network under your own name instead of contracting with a platform like Alma
- Are able to consistently manage a caseload of out-of-network clients
History & News
- Year Founded: 2017
- Headquarters: New York, New York
Alma was founded by Dr. Harry Ritter in 2017. According to the Alma website, the company is focused on the mission of simplifying access to high-quality, affordable mental health care. The company is currently headquartered in New York City. Since its inception, Alma has raised over $220 million dollars in funding and employs between 200 and 500 employees.3
In late 2024, Alma providers saw reimbursement rate adjustments from some insurance partners, most notably UnitedHealthcare/Optum. These changes led to some frustration among therapists, particularly those who rely heavily on Alma’s negotiated rates to sustain their practice. In response, Alma acknowledged the impact and hosted town hall meetings to address provider concerns. The company publicly reaffirmed its commitment to fair compensation and ongoing negotiation with insurance partners. While the core model remains unchanged, this episode certainly highlighted the delicate balance Alma must maintain as an intermediary between therapists and insurers.4
Spring Health completed its acquisition of Alma on May 1, 2026, according to Spring Health’s announcement. Dr. Harry Ritter remains Alma’s CEO, and Alma’s FAQ says the two companies still run separate platforms, so Spring Health providers can join Alma too.
Also in May 2026, Alma told members that Aetna would change some rates from July 15, 2026, including paying the same rate for sessions of 53 minutes or more as for 37 to 52 minute sessions, Behavioral Health Business reported. Alma told providers it disagreed with the changes.
No, Alma is not free for therapists to use. As of October 2026, membership costs $95 a month billed annually ($1,140 a year) or $125 a month on the monthly plan. Yes. Alma only accepts fully licensed practitioners. No, Alma does not offer a free trial. It does give new members complimentary months, or an equivalent discount on the annual plan, while they finish onboarding, according to Alma’s onboarding guide checked October 19, 2026. Alma does not say how many months. Alma makes money through membership fees from the providers that use the platform, as well as whatever amount Alma and any given insurance payor has agreed upon for session fees. The details of these agreements are unclear to the general public. Alma charges therapists $95 a month on the annual plan, billed as $1,140 a year, or $125 a month on the monthly plan, as of October 2026. That makes it one of the only insurance billing platforms and directories with a membership fee; most competitors are free to join. In return, Alma handles credentialing, billing, and insurance verification, and one therapist review we cite reported averaging about $100 per session in reimbursement. Headway is free to join and pays per session, which makes it the lower-risk starting point, while Alma charges $95 to $125 a month, depending on the plan, but bundles stronger back-office support, its own directory, and enhanced insurance tools. If you have a steady caseload and want fuller practice support, Alma’s fee can pay for itself; if you are just testing insurance work, start with Headway. Our Headway for therapists review covers the other side.Frequently Asked Questions
Is Alma Mental Health Free to Use?
Do You Have to be Licensed to Use Alma?
Does Alma Offer a Free Trial?
How Does Alma Make Money?
How Much Does Alma Charge Therapists?
Is Alma or Headway Better for Therapists?
ChoosingTherapy.com strives to provide our readers with mental health content that is accurate and actionable. We have high standards for what can be cited within our articles. Acceptable sources include government agencies, universities and colleges, scholarly journals, industry and professional associations, and other high-integrity sources of mental health journalism. Learn more by reviewing our full editorial policy.
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Stress Less Therapist. (2022). Alma: What you need to know (complete review). StressLessTherapist.com. Retrieved from: https://www.stresslesstherapist.com/alma/
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Business Wire. (2022). Grow Therapy announces multi-state expansion. Retrieved from: https://www.businesswire.com/news/home/20221208005021/en/Grow-Therapy-Announces-Multi-State-Expansion-Increasing-Americans%E2%80%99-Access-to-Quality-Mental-Health-Care
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Crunchbase. (n.d.). Alma. Retrieved from: https://www.crunchbase.com/organization/alma-health
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Pinder, J. (2024). 2 digital mental health platforms cut pay rates for therapists with UnitedHealth’s Optum, stirring anger. Retrieved from: https://clearhealthcosts.com/blog/2024/11/2-digital-mental-health-platforms-cut-pay-rates-for-therapists-with-unitedhealths-optum-stirring-anger/
We regularly update the articles on ChoosingTherapy.com to ensure we continue to reflect scientific consensus on the topics we cover, to incorporate new research into our articles, and to better answer our audience’s questions. When our content undergoes a significant revision, we summarize the changes that were made and the date on which they occurred. We also record the authors and medical reviewers who contributed to previous versions of the article. Read more about our editorial policies here.
Author: Matthew Church, MS (No change)
Medical Reviewer: Melissa Boudin, PsyD (No change)
Primary Changes: Updated Alma’s membership prices, insurance plans, cash-pay rules and onboarding terms to match Alma’s current pages, added the 2026 Spring Health acquisition and Aetna rate change, and corrected outdated facts on the Headway and Grow Therapy comparison cards.
Author: ChoosingTherapy.com Editorial Team
Primary Changes: Added Frequently Asked Questions entries answering the top live People Also Ask queries, using the page’s verified facts.
Author: Matthew Church, MS (No change)
Medical Reviewer: Melissa Boudin, PsyD (No change)
Primary Changes: Reviewed full article to verify factual accuracy. Added information about Alma’s Note Assist feature, client cost estimator tool, and added discussion of rate changes to History & News section. Adjusted language throughout for better flow and clarity. Updated formatting and styling throughout.
Author: Matthew Church, MS (No change)
Medical Reviewer: Melissa Boudin, PsyD (No change)
Primary Changes: Added summary block and star rating breakdown
Author: Matthew Church, MS
Medical Reviewer: Melissa Boudin, PsyD
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