Therapy costs can add up quickly, making mental health care difficult to afford for many. Besides high per-session fees, locating a local provider who accepts your insurance can be a challenge. Online therapy offers a convenient, accessible solution for many people seeking support. Importantly, several online therapy companies accept insurance plans, reducing out-of-pocket expenses and broadening access to professional care.
As a licensed social worker with experience in therapy, I understand how essential affordable access to mental health services is. Below, I share a detailed overview of top online therapy platforms that accept insurance, highlighting their features to help you make an informed choice.
Top Online Therapy Services That Accept Insurance
Brightside — Best for Anxiety and Depression
Brightside focuses primarily on treating anxiety and depression with a subscription-based model. It accepts major insurers like Aetna, Cigna, Ambetter, and UnitedHealthcare. Pricing starts at $299 per month for therapy, with options combining therapy and psychiatry. Services include video sessions and unlimited messaging, tailored for individuals and teens.
Talkspace — Most Flexible Therapy Options
With wide insurance acceptance including Aetna, Cigna, and Optum, Talkspace offers therapy via video, phone, and text messaging. Plans range from $69 to $109 per week, with support for individuals, couples, and teens. Its flexible communication methods and comprehensive insurance acceptance make it a popular choice.
Thriveworks — Accepts the Most Insurance Plans
Thriveworks partners with many insurers including Medicare, BlueCross BlueShield, and Tricare. Its fees vary from $160 to $240 for therapy sessions and higher for psychiatry. Thriveworks supports multiple formats: video, phone, and in-person at some locations. It serves individuals, couples, families, and children.
Teladoc — Offers the Most Scheduling Options
Teladoc accepts insurance plans such as Aetna, UnitedHealthcare, and Oscar, charging about $119 per therapy session. It provides therapy for individuals and teens via video or phone, with easy scheduling and psychiatry services available.
Doctor on Demand — Best for Families
Ideal for family-oriented care, Doctor on Demand accepts UnitedHealthcare, Tricare, and other insurances. Sessions start at $134 for therapy and include child, teen, individual, and couples therapy. All sessions are conducted via video, including psychiatry appointments.
Amwell — Best for Choosing Your Therapist
Amwell lets you select your own therapist from its extensive network, accepting insurers like Anthem, Aetna, and BlueCross BlueShield. Therapy sessions cost about $99 each, with psychiatry visits slightly higher. Services include video and messaging options for individuals, couples, teens, and children over age 10.
Talkiatry — Best for Psychiatry Services
Talkiatry specializes in psychiatry, including medication management. It partners with insurers such as UnitedHealthcare and Medicare. You pay only your copay, with no self-pay options, and sessions are conducted via video for individuals, teens, and children.
Alma — Best Therapy Directory
Alma is a therapy directory that connects you to providers accepting numerous insurance plans like Optum and Aetna. It offers a variety of therapy formats for individuals, couples, and families via video sessions.
What to Expect When Using Insurance for Online Therapy
If your insurance is accepted by an online therapy provider, you typically pay only your copay — a small out-of-pocket fee. The company handles billing and paperwork, so you don’t have to submit claims. These platforms generally provide therapists with strong credentials, matching the quality of in-person therapy.
How This Review Was Conducted
My review is based on three years of testing 55 online therapy companies and gathering user feedback from more than 8,000 therapy clients. Our process included firsthand experience from 65 testers across the U.S., who engaged with these platforms for multiple sessions. Survey data and detailed analysis helped gauge service quality, insurance acceptance, pricing, and user satisfaction.
This thorough testing ensures you get reliable, practical information to choose the online therapy service that best fits your insurance coverage and mental health needs.
About the Expert
Hannah Owens, a licensed social worker and mental health editor at Verywell Mind, combines clinical experience with editorial expertise to evaluate online therapy services. She has led extensive testing to provide trustworthy guidance for people seeking accessible mental health care.
Conclusion
With so many online therapy companies accepting insurance today, quality mental health support is more accessible than ever. Whether you need medication management, flexible scheduling, or family-focused care, there is an option that will meet your needs while minimizing costs.
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