Finding an online therapy service that fits your needs and accepts your current insurance plan can be a challenge. There is a growing list of online platforms that provide therapy as well as accept insurance. Our list of companies may be able to help you find the best online therapy option for you or for your family.
Best Online Therapy Options With Insurance at a Glance
Best Overall
Teladoc
Visit TeladocWhy We Chose Them
Personal Experience
"Teladoc was easy to navigate, there was a large therapist pool, and they accept most major insurance plans."
Best for Medication Management
Talkiatry
Visit TalkiatryWhy We Chose Them
Personal Experience
"Talkiatry is a great choice for those wishing to remain with an in-network provider and exclusively use insurance."
Best for Therapy & Medication
Thriveworks
Visit ThriveworksWhy We Chose Them
Personal Experience
"Thriveworks' directory allowed me to connect with a therapist and a psychiatrist with ease."
Best for Anxiety & Depression
Brightside Health
Brightside HealthWhy We Chose Them
Personal Experience
"Brightside had a super easy signup process; the costs are clearly listed, and they accept insurance."
Best for Texting/Messaging
Talkspace
Visit TalkspaceWhy We Chose Them
Personal Experience
"Texting your Talkspace therapist between sessions was a great way to get guidance within 24-48 hours."
Best for Subscription-Based Therapy
Cerebral
Visit CerebralWhy We Chose Them
Personal Experience
"Cerebral’s subscription options were easy to choose from and it was great to self-select a provider. "
Best for Kids & Teens
Bend Health
Visit Bend HealthWhy We Chose Them
Personal Experience
"Bend Health services are available in all US states, making it ideal for those wanting to use their insurance. "
Best for Substance Use Disorders
Workit Health
Visit Workit HealthWhy We Chose Them
Personal Experience
"Workit Health’s website had a wealth of information for anyone seeking help with their alcohol use and any co-occurring conditions."
Why Trust Us
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Data points analyzedChoosing Therapy’s reviews are fair, honest, and thorough. To date, we’ve reviewed mental health products and services offered by more than 250 companies. That has involved more than 1,050 hours of firsthand use of those products and consideration of over 825 data points. Our editorial policies outline a rigorous review process, but they all boil down to this: produce a review that your own friends and family could rely on. Learn more here.
Our Picks for Best Online Therapy For Insurance
- Best Overall – Teladoc
- Best for Medication Management – Talkiatry
- Best for Therapy & Medication – Thriveworks
- Best for Anxiety & Depression – Brightside
- Best for Texting/Messaging – Talkspace
- Best Subscription-Based Therapy – Cerebral
- Best for Kids & Teens – Bend Health
- Best for Substance Use Disorders – WorkIt Health
Detailed Reviews of the Best Online Therapy With Insurance
- Price: $99 per session
- Top Insurance Accepted: Aetna, Anthem BCBS, Cigna, Premera, United Healthcare
- Services Offered: Therapy & Psychiatry (18+)
Why We Chose It
Teladoc was one of the first telemedicine platforms to be launched and was founded in 2002. They are one of the biggest telemedicine platforms to this date and have made acquisitions of other online telemedicine platforms as well as online therapy platforms. As mentioned in our BetterHelp review, Teladoc purchased BetterHelp in 2015.
Pros & Cons
Pros - Accepts insurance from most major providers
- Medicaid is accepted in very select states
- Self-select a provider
Cons - No services for kids and teens
- No couples counseling
Cost
Teladoc costs $99 for a 45-60 minute session with a licensed therapist. Psychiatry costs $299 for an initial appointment and $199 for follow-up appointments. Any medications prescribed are either your pharmacy co-pay or an out-of-pocket cost.
Overview
Teladoc provides access to licensed therapists and psychiatrists in your state. They are trained to treat various mental health conditions and symptoms, like anxiety, depression, post-traumatic stress disorder (PTSD), stress, and more. After you sign up, you can choose the therapist or psychiatrist you think will be the best fit for you and your schedule.
Psychiatrists can prescribe some medications, including antidepressants, mood stabilizers, and antipsychotics, but they can’t prescribe controlled substances. They do prescribe some attention deficit hyperactivity disorder (ADHD) medications, including Intuniv, Strattera, and Kapvay. If you are already on medication, your Teladoc provider can help you get refills or prescribe new medications if needed.
Teladoc was one of the first telemedicine platforms to be launched and was founded in 2002. They are one of the biggest telemedicine platforms to this date and have made acquisitions of other online telemedicine platforms as well as online therapy platforms, notably BetterHelp in 2015. This allows Teladoc to be in a unique position when it comes to offering therapy to the United States.
In Our Experience
Teladoc was easy to navigate for mental health services and there was a large therapist pool to choose from.
- Price: Insurance Only
- Top Insurance Accepted: Aetna, BCBS, Humana, United Healthcare
- Services Offered: Psychiatry (6+)
Why We Chose It
Talkiatry only works with patients who have in-network health insurance plans and they accept several top names in the insurance industry.
Pros & Cons
Pros - Treats children, teens, and adults ages 6 and older
- Offers treatment for ADHD
- Psychiatry appointments are 30-60 minutes long
Cons - Talkiatry is only available if you are with an in-network insurance plan
- Appointment fees depend on your location and insurance coverage
- Talkiatry is only available in 30 states at this time
Cost
Talkiatry costs depend on your specific health insurance plan and coverage. Talkiatry only accepts patients who have in-network insurance plans. Before you schedule an appointment, Talkiatry will let you know whether they accept your insurance, if you have a deductible or copay, and how much your total out-of-pocket cost will be.
Overview
Talkiatry treats mood and anxiety disorders, attention deficit hyperactivity disorder (ADHD), and PTSD. When you sign up, Talkiatry will match you with potential providers, but you can have the option of selecting a provider. Talkiatry’s providers include licensed psychiatrists and psychiatric nurse practitioners. Services are available for children ages six and older, with all children under the age of 18 requiring parent/guardian consent for treatment. During the initial evaluation (one hour for adults, 75 minutes for children), you will develop a treatment plan with your provider and decide how often appointments will be held. Follow-up appointments are typically 30 minutes long.
If your provider decides that you would benefit from medication, they will send a prescription to your local pharmacy, where you can pick it up and either use your insurance or pay out-of-pocket for it. Talkiatry’s psychiatric providers can prescribe medications for depression, medications for anxiety, and for insomnia. Talkiatry providers may also prescribe stimulant and non-stimulant medications for ADHD, however, this depends on the provider and state whether this is an option.
Talkiatry is also one of the few online psychiatry platforms that treats children and teens. Many other well-known online psychiatry platforms, such as Brightline Mental Health, only provide medication management to existing therapy clients. With Talkiatry, children as young as six years old can meet with a psychiatrist via telehealth with their parent or guardian’s consent. Many parents with young children have a hard time finding providers that specialize in child psychiatry, but Talkiatry makes this possible.
For more information about how Talkiatry works, you can read our in-depth review of Talkiatry.
In Our Experience
Talkiatry was a good option for those who only wanted to use their insurance. However, we felt the customer service could have been better.
- Price: $99 – $349 per service
- Top Insurance Accepted: BCBS, Anthem, United Healthcare, Cigna
- Services Offered: Therapy & Psychiatry (13+)
Why We Chose It
Thriveworks allows you to attend therapy and psychiatry all under one roof. Some states even have in-person locations available, meaning you may have more medication options.
Pros & Cons
Pros - Online therapy and psychiatry services are offered in the majority of US states
- In-person services are available in select cities
- Kids & Teens, Couples, and Family therapy available
Cons - Psychiatry is not in available at every in-person location
- The sign-up process is not simple, with two patient portals to navigate
- In-person locations mainly in larger US cities
Cost
Thriveworks therapy costs $99 – $199 for 60 minutes, with ultimate costs depending on where you live, your insurance plan, and the therapist you choose.
Thriveworks does offer psychiatric care in select states and at select, in-person locations.
Psychiatry services cost $99 – $349, with exact costs depending on the provider and your location. Initial psychiatry sessions are between 50 – 60 minutes and follow-up appointments are 30 minutes long.
Overview
All services that Thriveworks offers are available online, however, some services may not be available at in-person locations. Each physical location of Thriveworks will offer different services, accept different insurance plans, and may not be conveniently located to you. However, whatever way you choose to attend sessions and appointments, you will be able to choose your own provider from the Thriveworks online directory. Thriveworks offers a range of specialties and can offer services to kids and teens, couples, and even families.
Many providers have next-day, early morning, evening, and weekend appointments available. Therapy sessions are 60 minutes long with the first session being a comprehensive client intake. Initial psychiatry appointments are 60 minutes long with follow-up appointments lasting around 30 minutes. If you ever feel overwhelmed, the customer service team can help you set up your account, find a therapist, and add your payment and insurance information.
Thriveworks has locations in over 40 states and you can see therapists either in-person or online, which is a great option for those who want to see a therapist face-to-face every now and again. If you feel you may benefit from certain prescriptions, Thriveworks’ in-person psychiatry may be a good fit for you. Many online psychiatry platforms can’t prescribe controlled substances, but with Thriveworks you could see a therapist online and a psychiatrist in person.
For even more information about how they work, you can read our comprehensive Thriveworks review.
In Our Experience
Thriveworks had a somewhat confusing signup process and uses two client portals. However, their customer service is top notch and very helpful.
- Price: $95 – $349 monthly
- Top Insurance Accepted: Aetna, Cigna, Anthem, United Healthcare
- Services Offered: Therapy & Psychiatry (18+)
Why We Chose It
Brightside exclusively treats anxiety and depression through therapy and medication management.
Pros & Cons
Pros - Online psychiatry and therapy available in all US states
- Three monthly subscriptions to choose from
- Medication can be shipped directly to you for an additional fee
Cons - Only available to individuals over the age of 18
- You are matched with a provider and cannot choose your own
Cost
Brightside Health costs $95 – $349 monthly, depending on the subscription plan you choose. There are additional fees for purchasing more therapy visits and for medication shipping.
Brightside’s subscriptions include:
- Medication: $95 monthly and includes a virtual evaluation with a psychiatric provider and ongoing support and monitoring. There is also unlimited messaging with your provider as well as self-care tools online or in the app.
- Therapy: $299 monthly and includes four weekly video therapy sessions, unlimited messaging with your therapist, and self-care tools. Additional sessions are available for $59 each.
- Medication + Therapy: $349 monthly and includes everything from the medication plan and the therapy plan as one bundle.
You can schedule extra video appointments with your therapist for $59 per 30-minute session. All medications are a $15 copay with insurance, with out-of-pocket costs varying per medication.
Overview
Brightside Health providers are able to treat generalized anxiety disorder, phobias, panic disorder, major depressive disorder, postpartum depression, premenstrual dysphoric disorder, and more. Brightside is one of the few online mental health treatment platforms to treat people with elevated suicidal risk through its Crisis Care program. With Brightside Health, you have the option to select between three monthly subscription plans: a medication-only plan, a therapy-only plan, or a combination medication and therapy plan. Services are available to adults ages 18 and older only in the United States.
Brightside is the only online therapy platform on our list that exclusively treats anxiety and depression with a combination of CBT techniques, therapy, and medication management. Unlike Talkspace, Brightside does not make you pay for two plans in order to receive therapy and medication/psychiatric care, which may allow you to save money. While both platforms accept insurance, it seems that Talkspace accepts more plans.
Brightside is also one of the only platforms on our list that offer a dedicated Crisis Care program for those experiencing acute suicidal thoughts. The Crisis Care program is available in select states with health insurance. The program is based on the Collaborative Assessment and Management of Suicidality (CAMS) framework, which is a clinically-proven approach to treating individuals with active suicidal thoughts or recent attempts.
To learn more about this program and what else they offer, you can read our comprehensive Brightside Mental Health review.
In Our Experience
Brightside had a super easy signup process, the costs are clearly listed, and they accept insurance. Overall, they offered great mental health services at a lower cost than in-person services.
- Price: $276 – $436 monthly
- Top Insurance Accepted: Cigna, Magellan, and several EAPs
- Services Offered: Therapy (13+ & Couples) & Psychiatry (18+)
Why We Chose It
All of Talkspace’s subscription therapy plans come with unlimited texting with you provider. This allows for clients to receive additional help and resources throughout their week.
Pros & Cons
Pros - Individual, Couples, and Teen (13+) therapy available
- Online therapy is available in all 50 US states and in Canada
- Psychiatric services with medication management is available in the US
Cons - Monthly costs depend on your location
- No option to bundle therapy and psychiatry services into one package
- Psychiatry only available to individuals 18+ in the US
Cost
Talkspace has three subscription packages, but the cost ultimately depends on your geographic location and therapist availability. The messaging-only package starts at $69 per week, the live therapy package starts at $99 per week, and the messaging + live therapy package starts at $129 per week.
Talkspace Psychiatry costs $249.00 for an initial assessment and $125 for all follow-up appointments. There is also an option to bundle follow-up appointments when you purchase an initial assessment. It is important to note that there are no bundle options for therapy and psychiatry.
For more precise information about what is included in the subscription plans, please read our detailed review of Talkspace.
Overview
Talkspace has been a leader in the mental health and wellness sector since 2012, which has given them an advantage over other subscription-based platforms like Brightside or Cerebral. The messaging-only plan they offer is a great, low-cost option for those looking to connect with a therapist but not ready to talk to someone face-to-face. With text-based therapy, you can message your therapist anytime and expect replies at least once daily.
After you complete the sign-up process and get matched with your therapist, you can begin to send text messages to your therapist immediately. Generally, they will message you back at least once per day, with some therapists replying more frequently. You will be able to see if your therapist is offline or available in the top corner of your chat room. This gives you a great sense of when to expect replies to your messages. All live sessions are held through Talkspace, and you do not need to download Zoom or any other secondary app.
In Our Experience
Texting your Talkspace therapist between sessions was a great way to get help on the go. Most providers responded in at least 24 hours during the work week.
- Price: $99 – $325 monthly
- Top Insurance Accepted: Anthem, BCBS, Cigna, United Healthcare
- Services Offered: Therapy & Psychiatry (18+)
Why We Chose It
Cerebral offers a stand alone therapy subscription and a bundle with therapy and psychiatry. The costs are also lower than with Talkspace or Brightside.
Pros & Cons
Pros - Medication-only, Therapy-only, and Medication + Therapy plans available
- Ability to select your own provider(s)
- Attend sessions/appointments by video or phone
Cons - Cannot view the provider directory until after purchasing a subscription
- Available only to individuals 18 years or older
Cost
Cerebral costs $99 – $325 monthly depending on which subscription plan you choose. If Cerebral is in-network with your insurance company, the plans will cost $30 monthly in addition to any co-pays for your visits and medication. Medication subscriptions include the cost of shipping fees but do not include the cost of medications, which start at $10.
For more information about what is included in the subscription plans, please read our comprehensive review of Cerebral.
Overview
Cerebral offers a great range of subscriptions to choose from with competitive costs. These plans are made even more affordable if you are using your insurance to pay for therapy. Since Cerebral can offer therapy and medication management, it is a great choice for those looking to attend live sessions and appointments for one cost.
Cerebral also offers great self-care tools in their app under a tab called “Learn.” You will have some assigned work to complete, but you can also explore what else there is in the “Discover” section. Here you will find learning modules on topics like “What Is Anxiety?”, “What is CBT?”, and “Goal Setting”. There are also grounding techniques, a journaling tab, and two cognitive behavioral therapy worksheets to complete. You can even listen to a meditation, a visualization exercise, or a progressive muscle relaxation exercise.
In Our Experience
Cerebral’s subscription options were easy to choose from and it was great to self-select a provider.
- Price: $199.99 – $549.99 monthly
- Top Insurance Accepted: United Healthcare, Optum, Humana
- Services Offered: Therapy & Psychiatry (1-17)
Why We Chose It
Bend Health works with several major insurance providers and partners with select in-person hospitals. Referrals from a child’s primary care provider to Bend Health gives them quicker access to mental health treatment.
Pros & Cons
Pros - Available in all 50 US States
- Accepts insurance from a wide rang of providers
- Coaching, Therapy, and Medication Management available
Cons - Out-of-pocket costs can be high for those on tight budgets
- Age cut off is 17 years old, instead of 18 like other competitors
- No option to self-select coaches, therapists, or medication managers
Cost
Bend Health costs $199.99 monthly for coaching, $399.99 monthly for coaching + therapy, and $549.99 monthly for coaching + therapy + medications. If your teen’s primary care doctor refers you to Bend Health, the cost for care may be covered by insurance.
Bend Health therapy subscriptions are:
- Coaching: For $199.99 monthly you receive a comprehensive care plan, one-on-one live 30-minute video coaching sessions, unlimited messaging, parent-skills training, real-time video updates about your teen, and the option to upgrade if needed.
- Coaching & Therapy: For $399.99 monthly you receive a comprehensive care plan, one-on-one live 30-minute video coaching and therapy sessions, unlimited messaging, parent-skills training, real-time video updates about your teen, and the option to upgrade if needed.
- Coaching, Therapy & Medications: For $549.99 monthly you receive everything in the coaching & therapy plan plus an initial evaluation by a psychiatrist, 15-minute follow-up appointments and medication if needed
Bend Health also accepts FSA/HSA cards to pay for therapy.
Overview
Bend Health is a subscription-based online therapy platform that allows kids and teens (1-17 years old) to attend live, 30-minute video sessions with a care team that consists of a mental health coach and licensed therapist. In between sessions, teens and parents can keep in touch with their team through text messages, and can expect a response by the next business day. Bend Health is available in all 50 US states.
Bend Health costs $199.99 monthly for coaching, $399.99 monthly for coaching & therapy, and $549.99 monthly for coaching, therapy, and medication management. While these costs are fairly high, it is important to note that Bend Health does accept insurance which could significantly lower these costs.
Bend Health also works with select hospitals and insurance providers. This allows them to receive referrals from your regular primary care provider and offer mental health treatments much quicker than in-person providers. Prior to signing up with Bend Health, you can talk with a customer care representative to discuss if your insurance plan is accepted.
As mentioned in our review of Bend Health, the company now offers neuropsychological evaluations to help measure attention/concentration, executive functioning, mood and personality, depression, and more. These evaluations can help your doctors diagnose your child or teen and give them the support and skills they need.
In Our Experience
Bend Health has a great website that gives all the information a parent may need about how to signup, insurance, out-of-pocket costs, and how to contact the company. They are available in all 50 US states making it a great choice for those wanting to use their insurance.
- Price: Treatment-Based
- Top Insurance Accepted: Aetna, Humana, Cigna, Blue Cross
- Services Offered: Opioid Use Disorder, Alcohol Use Disorder, & Stimulant Use Disorder
Why We Chose It
Workit Health is an online medication-assisted treatment (MAT) platform for substance use disorders. WorkIt Health also treats co-occurring conditions and disorders in addition to substance use disorders.
Pros & Cons
Pros - Makes medication-assisted treatment for several addictions accessible
- Provides recovery coaching nationwide for behavioral addictions, like gambling, sex, and disordered eating
- Offers treatment for co-occurring mental health conditions, like depression or anxiety, or physical conditions, like HIV or HepatitisC
Cons - Out-of-pocket costs depend on your location and provider availability
- Only available in select states
- Medicaid plans are not accepted in some of the states they serve
Cost
WorkIt Health costs depend on your customized treatment plan, your location, and your insurance provider. Workit Health offers weekly payment plans for those paying out of pocket, but this varies by state. Medication costs will depend on your insurance plan. For more information about costs and insurance eligibilty, you can read our in-depth review of Workit Health.
Overview
Workit Health is an online medication-assisted treatment (MAT) platform for substance use disorders. The MAT program is available in select states, and recovery coaching is available nationwide. Clinicians monitor patients’ progress through routine drug tests, which can be completed through the app. The cost of care will depend on your location, treatment plan, and insurance provider.
Workit Health’s MAT program is available in Alaska, California, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Minnesota, New Jersey, North Carolina, Ohio, Oregon, Pennsylvania, Texas, Virginia, and Washington. They make treatment and therapy available through their website’s patient portal or the Workit Health app. A great perk to WorkIt Health is they also treat any co-occurring conditions and disorders in addition to substance use disorders.
During Workit Health’s onboarding process, you’ll answer a few questions about the addictions, behaviors, or mental health conditions you’d like to address. You’ll also state your personal goals, like if you’d prefer to just cut back or quit your addiction entirely. If you’re interested in medication-assisted treatment, you’ll be matched with a clinician who will conduct a medical evaluation to see if it’s right for you. If so, a prescription will be sent to your local pharmacy for pick-up. Patients receiving medication-assisted treatment will be required to take drug tests so clinicians can monitor their progress and modify medications as needed. Workit Health makes it easy to complete drug tests via the app.
In Our Experience
Workit Health’s website had a wealth of information for anyone seeking help with their alcohol use and any co-occurring conditions. The Workit Health intake representatives were knowledgable and helpful.
Compare the Best Online Therapy With Insurance in 2023
| Age Limitations | 18+ | 6+ | 11+ | 18+ | 13+ | 18+ | 1-17 | 18+ |
| Service Area | All US States | 35 US States | 40+ US States | All US States | All US States | All US States | All US States | 18 US States |
| Costs before Insurance | $99 per session | Depends on Insurance | $99 - $199 therapy $99 - $349 psychiatry | $95 - $349 monthly | $276 - $436 therapy $125 - $249 psychiatry | $99 - $325 monthly | $199.99 - $549.99 monthly | Depends on Insurance |
| Top Insurance Accepted | Aetna, Cigna, United Healthcare | Aetna, BCBS, Humana | BCBS, Optum, Cigna, Aetna | Aetna, Cigna, Anthem | Cigna, Magellan, and EAPs | Anthem, BCBS, Cigna, Optum | United Healthcare, Optum, Humana | Aetna, Humana, Cigna, BCBS |
| Individual (18+) Therapy |  |  |  |  |  |  |  |  |
| Couples Therapy |  |  |  |  |  |  |  |  |
| Teen Therapy |  |  |  |  |  |  |  |  |
| Medication Management Available? |  |  |  |  | Yes, 18 and up |  |  |  |
| Age Limitations | |||||||
| 18+ | 6+ | 11+ | 18+ | 13+ | 18+ | 1-17 | 18+ |
| Service Area | |||||||
| All US States | 35 US States | 40+ US States | All US States | All US States | All US States | All US States | 18 US States |
| Costs before Insurance | |||||||
| $99 per session | Depends on Insurance | $99 - $199 therapy $99 - $349 psychiatry | $95 - $349 monthly | $276 - $436 therapy $125 - $249 psychiatry | $99 - $325 monthly | $199.99 - $549.99 monthly | Depends on Insurance |
| Top Insurance Accepted | |||||||
| Aetna, Cigna, United Healthcare | Aetna, BCBS, Humana | BCBS, Optum, Cigna, Aetna | Aetna, Cigna, Anthem | Cigna, Magellan, and EAPs | Anthem, BCBS, Cigna, Optum | United Healthcare, Optum, Humana | Aetna, Humana, Cigna, BCBS |
| Individual (18+) Therapy | |||||||
 |  |  |  |  |  |  |  |
| Couples Therapy | |||||||
 |  |  |  |  |  |  |  |
| Teen Therapy | |||||||
 |  |  |  |  |  |  |  |
| Medication Management Available? | |||||||
 |  |  |  | Yes, 18 and up |  |  |  |
Final Verdict
Caitlin Bell, M.A. More Online Therapy Options That Accept Insurance to Explore
Price: $9.99 - $249+ monthly
Insurance Accepted? Yes
Services Offered: Online Alcohol Treatment (18+)
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Monument is an online therapy platform that offers dedicated therapy and medication management for those dealing with alcohol dependence and a great alternative to WorkIt Health. Therapy costs with Monument are $149 – $249 monthly, depending on which plan you select. Each subscription plan offers live therapy sessions, appointments with a medical doctor for medication to help with alcohol cravings, messaging with your doctor and therapist, and access to therapist-moderated support groups and a community forum.
Monument also has a stand-alone medication management plan with a medical doctor for a one-time payment of $45 and then $9.99 monthly. Community membership is free for anyone struggling with alcohol dependence and gives you access to therapist-moderated support groups as well as the community forum. Currently, Monument is available in NY, NJ, CT, CA, PA, WA, D.C., VA, GA, CO, OR, SC, TX, KY, FL, OH, AZ, & IA.
You can learn even more about this platform by reading our comprehensive review of Monument.
Price: $129 - $179 per session
Insurance Accepted? Yes
Services Offered: Individuals (18+)
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Doctor on Demand is a telemedicine platform that offers live therapy and psychiatry sessions. This platform would be ideal for those who want to option to have longer therapy sessions. Doctor on Demand’s therapy sessions, called consultations, cost $129 per 25-minute session, or $179 per 50-minute session. There is an option to add an additional 15 minutes to either session option for an additional fee (this isn’t a set fee, but agreed upon by you and your therapist).
Psychiatry costs are $299 for an initial 45-minute consultation and $129 for 15-minute follow-up consultations. If prescribed medication, you can pick it up at your local pharmacy and pay your copay fee or an out-of-pocket cost.
Much like Amwell and MDLive, the other telemedicine platforms on our list, you will have to create a free account on Doctor on Demand prior to accessing any information about providers or whether your insurance is accepted. Once your account is created, you can verify your insurance, browse their therapist directory, and choose who you want to work with. Depending on which therapist you choose, you may be able to see them the same day, a huge perk for those looking to connect quickly.
Price: $109 - $279 per service
Insurance Accepted? Yes
Services Offered: Individuals (18+)
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Amwell is an on-demand telemedicine platform that can offer online therapy to kids and teens (10-17), adults, and couples. Amwell also offers women’s mental health, like postpartum, prenatal and menopausal counseling, and would be a great fit for those women. All therapy sessions have out-of-pocket costs of $109 – $129 for one 45-minute, live video session. Currently, Amwell accepts several major insurance providers and you will be able to choose your own provider.
Much like its competitor, Doctor on Demand, Amwell requires you to create an account prior to gaining access to anything on its website. Once your account is created, you can add your insurance information, personal details and schedule your first appointment. Amwell allows you to filter their therapist directory by gender, language (English, Spanish or Bengali), and specialty (this isn’t an area of expertise, but a choice between whether you want to see a therapist or psychologist).
For more about how to attend your first live therapy session, you can read our in-depth review of Amwell.
Price: $108 - $248 per service
Insurance Accepted? Yes
Services Offered: Individuals (10+)
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MDLive is an on-demand telemedicine platform that offers online therapy to kids and teens (10-17), and adults. MDLive is great for those seeking a relatively low-cost therapy session. Live therapy sessions are 45-60 minute long video or phone calls, with an out-of-pocket cost of only $108, making it one of the most affordable individual session costs on our list. MDLive accepts several major insurance providers and just like with Amwell, you will be able to choose your own provider.
After you create your account, you can verify insurance, input your personal data and schedule your first appointment. This is essentially identical to the way the accounts on Doctor on Demand and Amwell work. A cool feature of MDLive’s appointment scheduler is that if you find a therapist you like, but don’t see availability that fits your needs, you can request an appointment!
To learn more about everything MDLive offers, please read our comprehensive review of MDLive.
Price: Location-Based
Insurance Accepted? Yes
Services Offered: Individuals (18+), Couples, Kids & Teens (2+), Families, and Groups
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LifeStance Health is an online therapy platform for kids and teens (as young as 2 years old), individuals, couples, and families, and offers group therapy options. Lifestance is a good option for those seeking in-person and online therapy sessions. All sessions and costs depend on which therapist you choose and your insurance coverage. Lifestance accepts many major insurance plans, and they are available in the following 32 states: AZ, CA, CO, DE, FL, GA, ID, IL, IN, KY, ME, MD, MASS, MI, MN, MO, NV, NH, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, & WI.
Lifestance can offer psychiatric services to those 10-years and older. To learn more about this platform, you can check out our in-depth review of Lifestance Health.
Price: Provider-Based
Insurance Accepted? Provider-Based
Services Offered: Individuals (18+)
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Inclusive Therapist is an online therapist directory dedicated to serving those in the BIPOC and LGBTQIA+ communities. Much like Thriveworks and Lifestance, costs for therapy and psychiatry will depend on the provider you choose. However, Inclusive Therapists is the only provider on our list who actively serves the needs of marginalized communities.
All of the Inclusive Therapists are independent practitioners, so which insurance plans are accepted varies greatly. Some of the most common ones are Optum, Oxford, PHCS, United Healthcare, and Blue Cross Blue Shield. Certain providers may even accept Medicaid or Medicare.
To get started, please visit the Inclusive Therapists website and begin searching their directory.
Price: Provider-Based
Insurance Accepted? Yes
Services Offered: Kids & Teens, and Individuals (18+)
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SonderMind is an online therapy platform that matches kids and teens, and individuals 18-years and older with a licensed therapist. Sondermind would be ideal for those with referrals from their insurance provider. All sessions and costs depend on which therapist you are matched with and if you are using insurance. Sondermind accepts several major insurance plans and services are currently available in the following 15 states: AZ, CO, D.C, GA, IN, KY, ME, MD, MASS, MO, NE, OH, TX, VT, & VA.
To learn more, you can visit the Sondermind website.
Price: Insurance Accepted
Insurance Accepted? Yes
Services Offered: Intensive Outpatient Program
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Charlie Health is an intensive outpatient (IOP) online group therapy platform for teens and young adults ages 11-28 years old. The IOP program lasts for 6-10 weeks and includes group therapy sessions, family therapy sessions, and individual therapy sessions. Charlie Health is available in the following states: AZ, CA, DE, ID, IL, MT, OR, PA, TX, UT, WA, WY, & NJ.
Charlie Health works with several large insurance plans, including United Healthcare, Cigna, Blue Cross Blue Shield, Medicaid, and more. During the signup process, your intake specialist will run your insurance for you and help you every step of the way. Charlie Health encourages everyone who needs this level of intensive care to reach out to them, even if they are uninsured. They will work diligently to find solutions to cost barriers that may exist for teens, young adults, and their families.
You can get in touch with someone on the intake team by visiting the Charlie Health website.
Price: Provider-Based
Insurance Accepted? Yes
Services Offered: In-Person or Online
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Grow Therapy is an online therapist directory for teens (13+) and adults. All costs depend on the therapist you choose, your location, and if you are using insurance or paying out-of-pocket. Grow Therapy accepts major insurance plans like Cigna, Blue Cross Blue Shield, Aetna, Humana, and more. However, this service is only available in the following nine states: CT, D.C, FL, GA, IL, MD, PA, TX & VA.
Select providers with Grow Therapy can offer medication management. To learn all about how Grow Therapy really works, check out our comprehensive review of Grow Therapy.
Price: Provider-Based
Insurance Accepted? Yes
Services Offered: In-Person or Online
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Headway is an online therapist directory, much like Alma, and Grow Therapy. Therapists with Headway can see a wide range of patients, including kids and teens, and they offer psychiatric care. Headway accepts major insurance plans like Aetna, Cigna, United Healthcare and more. At this time, Headway is available in the following 13 states: CO, FL, GA, IL, MASS, MI, NJ, NY, NC, OH, TX, VA, & WA.
To see if they are a good fit for you, check out the Headway website and start searching for a therapist today.
Price: Provider-Based
Insurance Accepted? Yes
Services Offered: Individuals (18+)
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Soho MD is an online therapist directory, similar to Alma, Grow Therapy, and Headway. You will be able to select your state, which services you need (therapy or psychiatry), and your insurance plan. Soho MD accepts plans from companies like Aetna, Cigna, Horizon BCBS, Humana, Optum, Oxford, and much more. Currently, Soho MD is available in the following states: AZ, CA, CO, CT, D.C., FL, GA, IL, KY, MD, NJ, NY, NC, OH, PA, TX, VA, & WA.
To view their directory and explore the providers available, please visit the Soho MD website.
Price: Provider-Based
Insurance Accepted? Yes
Services Offered: Individuals (18+)
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Advekit is an online therapy platform that can match you with a licensed therapist in your state. All sessions and costs depend on if your insurance plan is accepted. Advekit will run your insurance information for you during the signup process, and if your plan is not accepted, they will submit all out-of-network benefit claims on your behalf. Currently, Advekit is available in the following states: AZ, CA, CO, CT, D.C., FL, GA, IL, MASS, MD, NJ, NY, OH, PA, TX, VA, & WA.
To find out more about their matching process, please visit the Advekit website.
Price: $260 - $360 monthly
Insurance Accepted? No
Services Offered: Individual Therapy (18+)
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BetterHelp is a subscription-based online therapy service, available nationwide to those 18 years and older. Costs are $260 – $360 monthly ($65-$90 weekly), depending on your location and therapist availability. Live sessions with BetterHelp are 30 minutes long and you can attend them weekly. You can learn more by reading our detailed review of BetterHelp.
Price: $227.96 – $359.96 monthly
Insurance Accepted? No
Services Offered: Individuals (18+)
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Calmerry is a subscription-based online therapy platform that’s great for those new to online therapy. Calmerry offers weekly half-hour therapy sessions with a licensed therapist for $227.96 – $359.96 monthly. A couple of interesting features of Calmerry are the option to purchase additional therapy sessions for $45 and the access to an AI chatbot called Coa. Currently, Calmerry does not accept insurance.
Calmerry has three subscription plans that are almost identical to the ones Talkspace offers. Calmerry has a messaging-only option, which features unlimited texting with your therapist and responses daily, or the option of one live therapy session monthly or four live therapy sessions monthly in addition to the messaging plan.
To learn everything about this platform you can read our detailed review of Calmerry.
Price: $195 – $350 monthly
Insurance Accepted? No
Services Offered: Individuals (18+), Teens (13+), and Couples
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WellNite is a subscription-based online therapy and medication management platform that’s good for teens (13+), adults, couples, and families for $195 – $350 monthly. Depending on the subscription you choose, you may have weekly or biweekly 30-minute therapy sessions. After you sign up and choose a subscription plan, WellNite will choose your top two therapist matches.
You will be able to read therapists’ backgrounds and education before you make your final choice. In a phone call with WellNite, I was told that after your initial appointment with your new therapist, WellNite will follow up with you to see how your appointment went and if you felt comfortable. If you feel like you need to be matched with a new therapist, WellNite will help you with that process. Even though you’re unable to self-select your own therapist, this seems like a nice additional service that makes it seem like WellNite cares about helping its customers find a good fit.
You can sign up for an account on the WellNite website.
Price: $200 - $440 monthly
Insurance Accepted? No
Services Offered: Individuals & Couples (18+)
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Online-Therapy is a subscription-based online therapy platform for individuals (18+) and couples. Online-Therapy.com costs $200 – $440 monthly, depending on which subscription you choose. All therapy sessions with Online-Therapy are 45 minutes long and you can attend them once or twice weekly. Online-Therapy is only available in the following 30 States: AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MASS, MI, MS, MO, NV, NJ, NM, NY, NC, OK, PA, SD, TN, TX, UT, VA, & WA.
You can read all about their plans by reading our comprehensive review of Online-Therapy.com.
Using Insurance for Online Therapy
Those who want to use their insurance for online therapy must be aware of certain factors. While many online teletherapy and telemedicine companies do take insurance, whether or not the specific plan you are signed up for has teletherapy or telepsychiatry benefits varies based on your coverage.
It is important that, prior to signing up for any online therapy service, you call your insurance provider and ask them about your benefits.
Here are some important questions to ask your insurance provider before starting online therapy:
- Does my plan have mental health benefits through another carrier?
- Are there any deductibles that must be met before these benefits are active?
- Can you tell me how much I will owe for a copay or coinsurance for a visit?
- Are there any out-of-network benefits? If so, is there an out-of-network deductible? How much is reimbursed? How do I submit an out-of-network claim for reimbursement?
- Does my plan cover a subscription with (Company Name)? How long will my subscription be covered/at what point does my subscription stop being covered?
- Do I need a referral or prior authorization for treatment with (Company Name)?
- Are there any limits on the number of therapy visits I can have in a given time period?
