Best Online Therapy That Accepts Insurance

Talkspace is the best online therapy that takes insurance

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Online therapy can be really beneficial, allowing you to skip the stressful commute to a therapist’s office and instead, take a video call with your therapist right from your couch. But while this virtual form of therapy may have eliminated some barriers to taking care of your mental health, it hasn’t eliminated all of them, because many of the companies offering this form of mental health care—including some of the biggest names in the field—do not accept health insurance. 

The reality is: fewer than 40% of therapists and 56% of psychiatrists in the U.S. are in-network with even one insurance plan—and a lot of the teletherapy platforms have followed this trend. But the good news is that not all do. If you want to use your insurance to pay for your therapy, you can. And we’ve made it easier to find a company that can help you by evaluating 55 online therapy companies and 25 therapist directories to find the best ones that not only accept insurance but also fit a variety of therapy seekers’ needs. Here are the ones we recommend.

Best Online Therapy Services That Accept Insurance of 2023

Why Trust Us
Companies reviewed
Total users surveyed
Data points analyzed
We surveyed 105 users from each online therapy company and asked the companies to complete questionnaires. Then, we tested the services ourselves, conducted comprehensive data collection research, and evaluated our results with the help of three licensed therapists.

Best Overall : Talkspace

  • Price: $276 to $516 monthly
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Couples Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling
Why We Chose It

Talkspace isn’t only one of the biggest names in online therapy, it is also one of the biggest ones that accepts insurance. With a wide range of therapy options for individuals, teens, and couples—plus psychiatry—Talkspace is our overall choice for therapy seekers looking to use their insurance.

Pros & Cons
  • Covers 40 million Americans with eligible insurance plans

  • You’ll be matched with a provider typically within 48 hours

  • Treats a wide variety of conditions

  • Offers several therapy and communication types

  • No group or family therapy

  • Doesn’t accept Medicare or Medicaid


Talkspace is one of the few online therapy companies that ticks all the boxes: it accepts most insurance plans, is available nationwide, provides both therapy and psychiatry services, accepts teen and adult patients, and offers several communication options for therapy sessions, including messaging, live chat, video, and phone calls. 

Oren and Roni Frank founded Talkspace in 2012, while Roni was pursuing her master’s in psychoanalysis and psychotherapy. Both believe that mental health is a human right and their vision for Talkspace is “Therapy for All." Talkspace is great for those just starting therapy who may not know their diagnosis or for those with multiple diagnoses, since it has therapists who can treat a wide range of conditions: depression, anxiety, eating disorders, obsessive-compulsive disorder (OCD), substance use disorders, post-traumatic stress disorder (PTSD), trauma, and grief. Its therapists are also well qualified to treat the needs of people in the LGBTQ+ community. 

Additionally, people with psychiatric issues can get access to Talkspace’s stable of psychiatrists and work with them to set up medication management, if needed. All psychiatry sessions are done via live video. Live therapy sessions last 45 minutes and psychiatry sessions are 20 to 90 minutes. 

To get started with Talkspace, all you have to do is fill out a brief assessment online, and then you’ll be given a few therapists to choose from. Typically, you’ll have your therapist set within 48 hours. Adults and teenagers both qualify to use Talkspace’s services. Talkspace offers marriage counseling for veterans, and civilian couples are welcome too.

Types of Insurance Accepted

On Talkspace’s website, you can fill out a brief questionnaire that asks what you’re looking for help with, and what insurance you have or if you’d like to pay with your EAP coverage (if applicable). Talkspace accepts many insurance plans from some of the largest companies, including Aetna, Cigna, Blue Cross Blue Shield, EmblemHealth, Optum, and Kaiser. Unfortunately, it doesn’t accept Medicare or Medicaid.

Out-of-Pocket Plans & Pricing 

Even if you’re paying out-of-pocket, Talkspace offers plans at a range of price points to suit every budget.

  • Messaging Therapy: Unlimited messaging with guaranteed therapist responses five days/week, starting at $69/week 
  • Live Therapy: Four live therapy sessions per month through live chat, phone, or video call, starting at $99/week
  • Live + Messaging Therapy: Four live sessions and messaging, starting at $129/week
  • Couples Therapy: Four live therapy sessions a month and unlimited messaging five days a week, starting at $109/week 

Depending on your health insurance, your costs may be partially or fully covered. If paying out of pocket, you can use a flexible spending account (FSA) or health savings account (HSA).

User Satisfaction  

Of the 105 users we surveyed, 94% rated Talkspace as excellent, very good, or good overall. Overall, 78% of users said their provider met all or most of their needs, and 82% said they would recommend the service to a friend. Our reviewers noted that they didn’t necessarily feel like they had a connection with their initial therapist, but that it was easy to switch. In our survey, 43% of users indicated they switched therapists between one to three times. In addition, 57% of users surveyed said their insurance helped cover the cost of therapy at Talkspace.

Best for Psychiatry/Medication Management : Talkiatry

  • Price: Depends on your insurance
  • Is Insurance Accepted?: Yes. BCBS, Cigna, United Health, Aetna, Tricare, Medicare, and others
  • Type Of Therapy: Individual Therapy, Medication Management, Psychiatry
Why We Chose It 

Talkiatry is the top online psychiatric practice we recommend because every single provider at this company accepts. Not only that, but you’re guaranteed to work with a board-certified psychiatrist, not a primary care physician, and you can get referrals to a talk therapist if necessary.

Pros & Cons
  • Only available via insurance

  • More than 400 psychiatrists available

  • Psychiatric services for children (at least 5 years old) and adolescents

  • Accepts Medicare

  • Not available in all states

  • Doesn’t accept Medicaid

  • Doesn’t treat schizophrenia or provide primary eating disorder treatment or medication-assisted treatment for substance use disorders


Talkiatry is one of the largest online psychiatric practices in the U.S., is in-network with every major insurance provider in the country, and accepts patients as young as five years old. Talkiatry treats many conditions, such as anxiety, attention-deficit/hyperactivity disorder (ADHD), bipolar disorder, depression, insomnia, OCD, PTSD, and substance use disorder. Patients have access to over 400 psychiatrists (and therapists as well). To access therapy, you must already be seeing a Talkiatry psychiatrist who can then refer you to a Talkiatry therapist.

If you want to explore Talkiatry’s services, first you’ll answer a few questions about what you’re looking for and about your medical history and then you’ll be matched with a psychiatrist who’s compatible with your needs and schedule. Your first virtual visit will be scheduled within days after this process is completed. 

You should know that Talkiatry explicitly states that if patients aren’t open to taking medication, then its service may not be right for them. Talkiatry says medication alongside talk therapy “is often the best way to address the conditions we treat.” 

Once accepted as a patient, you may find it helpful to download the Healow app, which helps patients book appointments, message their provider (patients can expect to hear back within 48 hours), view their health records, and attend virtual visits. Initial appointments are 60 minutes long and follow-up visits are 30 minutes long.

Types of Insurance Accepted

Talkiatry can only be accessed with insurance. It says it’s in network with every major insurer, including Aetna, Blue Cross Blue Shield, Cigna, Humana, Kaiser, Optum, and UnitedHealthcare. It also accepts Medicare, but unfortunately not Medicaid.

Out-of-Pocket Plans & Pricing 

Prices at Talkiatry depend on your insurance. You can use Talkiatry’s filtering tool to learn if the company accepts your insurance. Talkiatry doesn’t accept Medicaid, but does accept Medicare. 

There are no free consultations, but you can get a free assessment to determine if Talkiatry can treat you.

User Satisfaction

Overall, our surveyed users were incredibly satisfied with this service: 95% rated Talkiatry as excellent, very good, or good, 87% said they would recommend the service to a friend, and 91% rated provider qualifications as excellent, good, or very good. Our reviewers described Talkiatry’s providers as personable, approachable, and knowledgeable.

Best Flexible Scheduling : MDLIVE

  • Price: $108-$284 per session
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Individual Therapy, Medication Management
Why We Chose It 

If you’re looking for a flexible telehealth platform that offers talk therapy, medication management, and convenient scheduling—while still being able to use your insurance benefits—MDLIVE definitely fits the bill. Its patients have access to 24/7 telehealthcare via phone or video to address a wide variety of mental health conditions and concerns—and you can see a primary care doctor too if necessary.

Pros & Cons
  • Available anywhere in the U.S. and Puerto Rico

  • Accepts most major insurers

  • Offers an easy-to-use mobile app to access care

  • Does not prescribe controlled substances

  • No free consultations or assessments

  • Not meant for people with extreme psychiatric crises


MDLIVE has a massive network of therapists and psychiatrists, accepts most major insurers, scored extremely high on our user satisfaction survey, and is one of the few online therapy companies to offer appointment times outside of typical work hours, like on the weekends or during the evenings. That means you’re sure to find a provider who is a good fit for both your needs and your schedule.

Founded in 2009, MDLIVE easily lets patients choose their therapist and schedule therapy appointments to tackle a wide variety of conditions such as anxiety, bipolar disorder, depression, OCD, panic disorders, trauma, and PTSD, as well as life disruptions such as addiction, grief/loss, and relationship issues. All therapists on MDLIVE have an average of more than 10 years of experience. MDLIVE’s therapists and psychiatrists can treat children and adolescents starting at 10 years of age. 

To get started, patients need to sign up for an account and then can check what their health insurance covers. Patients can usually get their first therapy appointment within a week or less. Therapy sessions typically last 45 to 60 minutes and psychiatric sessions are 15 to 30 minutes.

Types of Insurance Accepted

Potential patients should call their insurance company to ask if their plan offers MDLIVE as a benefit. If so, your insurance company can tell you what your copay is. MDLIVE accepts major insurers such as Aetna, Cigna, Blue Cross Blue Shield, Kaiser, and Optum, but it’s still best to contact your insurance company to confirm if your specific plan is accepted. MDLIVE accepts Medicare and Medicaid.

Out-of-Pocket Plans & Pricing 

Prices depend on your insurance company and plan, but out-of-pocket costs can range from $0 to $108 for talk therapy and $0 to $285 for psychiatry. MDLIVE doesn’t offer free consultations or assessments.

User Satisfaction

Overall, our surveyed users were very satisfied with MDLIVE: 98% rated MDLIVE as excellent, very good, or good, 94% rated therapist qualifications positively, and 83% said their provider met all or most of their needs. Our reviewers called MDLIVE’s providers professional, helpful, insightful, attentive, and gushed about the user-friendliness of the website, affordable prices, and convenient scheduling. In all, 64% of users surveyed said they used insurance to access therapy at MDLIVE.

Best for Substance/Alcohol Use Disorder : Monument

  • Price: $0 to $249 per month
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Group Therapy, Medication Management, Peer Support
Why We Chose It 

Monument makes alcohol use disorder treatment accessible by accepting insurance. It even lets you submit your insurance details online before signing up to determine if your specific plan is accepted. Its comprehensive approach combines individual and group therapy and medication.

Pros & Cons
  • Evidence-based methods (therapy and medication)

  • Free therapist-moderated support groups

  • Personalized treatment

  • Free to find out if your insurance plan is accepted

  • Not available to people under 18

  • Only prescribes two medications (naltrexone or disulfiram)


Monument eliminates the confusion of finding out if your insurance will cover your treatment by letting you easily submit your plan details on its website before you even commit to signing up for its service. 

Monument was founded by Mike Russell, who knows intimately what it takes to quit drinking; he battled with his own reliance on alcohol for years. With Monument, you can either commit to stopping drinking or lessen your intake, so it’s not an all-or-nothing approach. Patients are given tools such as medication, individual therapy, and group therapy to support them. Each patient is matched with a licensed therapist and doctor who will guide them through their alcohol treatment plan. Virtual therapy occurs every week or every other week (depending on the patient’s Monument plan) for one hour. 

If you want to explore Monument’s options, you must first take its brief survey to assess your drinking habits and select a plan. Then Monument will match you with a care team that may include a therapist, physician, and care coordinator. Afterward, you’ll be able to receive ongoing professional care with Monument’s care team and 24/7 support from the Monument community.

Unfortunately, Monument bars does not allow minors to enroll in its plans. However, some of its features are free for anyone, such as therapist-moderated support groups, an anonymous 24/7 online alcohol support forum, and resources that help people learn about alcohol dependence.

Types of Insurance Accepted

Monument currently accepts the following insurance plans: Aetna, Anthem, Blue Cross Blue Shield, Optum, and UnitedHealthcare. You can submit your insurance details online on Monument’s website. Once you do that, one of Monument’s insurance specialists will get back to you within 24 hours to let you know if your insurance is accepted. Monument is in-network with Medicaid and Medicare depending on the state. Payments from FSAs and HSAs are also accepted.

Out-of-Pocket Plans & Pricing 

Monument offers three subscription plans: 

  • Physician care: $10/month + $45 initial onboarding fee 
  • Total care (biweekly): Includes biweekly sessions with a therapist, $149/month 
  • Total care (weekly): Includes weekly therapy sessions, $249/month

There are no free consultations, but a free alcohol use assessment is available after registering.

User Satisfaction

Of the users we surveyed, 75% rated their overall experience with Monument as excellent, good, or very good, and the same percentage rated the company’s psychiatry/medication management services as good, very good, or excellent. Additionally, 77% rated provider qualifications positively. In all, 53% of users said they used their insurance to access Monument’s services.

Best for Depression and Anxiety : Brightside

  • Price: $95-$349
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Individual Therapy, Medication Management, Psychiatry
Why We Chose It 

By specializing in treating depression and anxiety, Brightside can provide highly effective, clinically proven therapy and psychiatry for some of the most common mental health diagnoses. It accepts most major insurers and offers a unique self-care syllabus to support patients outside of therapy.

Pros & Cons
  • Appointments within 48 hours

  • Available nationwide

  • Personalized plans

  • Accepts insurance in 50 states

  • No free consultations

  • No app

  • Doesn’t treat ADHD


Brightside only treats depression and anxiety, but it does so very well. Brightside will verify your insurance eligibility and outline your coverage details during the sign-up process. It takes a personalized approach to address depression and anxiety by determining the medication that’s the most effective for you, alongside clinically proven cognitive and behavioral therapy techniques. 

The wide range of mental health issues that fall under Brightside’s purview may surprise you. It treats adults with all types of depression and anxiety, including major depressive disorder, postpartum depression, premenstrual dysphoric disorder, bipolar II, OCD, and panic disorders. Patients have access to weekly private therapy sessions, unlimited messaging, medication management, and Brightside’s self-care program. The program helps patients cultivate self-regulating and CBT skills and resilience.   

To get started with Brightside, you’ll have to fill out a brief questionnaire. You’ll then see your results and be able to book an appointment within 48 hours, and often within 24 hours.   

Brightside’s new crisis care program is one of the first teletherapy programs specifically for people with elevated suicide risk. It is based on the Collaborative Assessment and Management of Suicidality (CAMS) framework, which is backed by 30 years of research. Most experts still recommend in-person care for those in crisis—questioning the effectiveness of virtual care in these situations—but having the option to seek care online will hopefully only increase the likelihood of people getting help.

Types of Insurance Accepted

Brightside accepts insurance, health savings account (HSA) or flexible spending account (FSA) payments, and out-of-pocket payments. Brightside accepts the following insurances: Aetna, Allegiance (owned by Cigna), Cigna, Anthem, and Optum/UnitedHealthcare in select states.

Out-of-Pocket Plans & Pricing 

Brightside offers three subscription plan options: 

  • Medication: Insurance copays or $95/month 
  • Therapy: Insurance copays or $299/month 
  • Medication and therapy: Insurance copays or $349/month

A free assessment is available, but there are no free consultations.

User Satisfaction

Overall, 90% of our users rated Brightside as excellent, very good, or good. Sixty percent of users said their anxiety made them look for therapy and 51% said depression made them pursue therapy. Moreover, 79% of users said their provider met all or most of their needs. Seventy-five percent of users said they were very satisfied or satisfied with the therapist options provided. Our reviewers said Brightside providers were personable and highly responsive, and easy to develop a rapport with.

Best for Postpartum Depression : LifeStance Health

  • Price: $150 to $300 per session, if paying out of pocket
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Children's Therapy, Family Therapy, Group Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling
Why We Chose It 

LifeStance Health is one of the few online therapy platforms to both accept most major insurance plans and offer specialized care—both virtually and in-person—to tackle postpartum depression (PPD).

Pros & Cons
  • Offers both in-person and telehealth appointments

  • Accepts most insurance plans

  • Not available nationwide

  • High out-of-pocket costs


Postpartum, or perinatal, depression, is one of LifeStance Health’s main specialties. The company allows you to easily determine whether your health insurance is accepted based on your state of residence. 

Founded in 2017 by healthcare executives, LifeStance provides a customized approach. It offers an impressive array of therapy and psychiatry modalities from acceptance and commitment therapy to dialectical behavioral therapy, eye movement desensitization and reprocessing (EMDR) therapy, and ketamine therapy. 

For postpartum depression, patients may be treated with Zulresso, which is an intravenous infusion that can quickly help postpartum depression symptoms. While it must be administered in person, the treatment involves one continuous dose administered over two and a half days. Zulresso is the first FDA-approved medication specifically for PPD, and only certain medical professionals are licensed to provide it. While it can’t cure postpartum depression, it can help lessen symptoms that make it hard for parents to care for themselves and their new baby.

LifeStance has locations in 32 U.S. states, with around 5,400 highly trained clinicians on hand at approximately 600 centers, increasing the likelihood that you’ll be matched with someone who is right for you. Providers available include psychiatrists, advanced practice nurses, psychologists, and therapists. Children are eligible for LifeStance’s services, both therapy and psychiatry.

Types of Insurance Accepted

LifeStance Health accepts most commercial insurance plans in the states it offers its services (LifeStance is not available in all 50 states). On the website, you can click on your state and it will list the insurance providers it accepts. Depending on the state, Medicare and/or Medicaid may be accepted too.

Out-of-Pocket Plans & Pricing 

Therapy sessions can range from $75 to $100 out of pocket. While costs vary depending on the provider, evaluations with a psychiatrist typically come out to $200 to $300 without insurance and subsequent sessions cost around $150 to $250.

User Satisfaction

Of our users, 88% rated LifeStance’s services as excellent, very good, or good. Specifically, 50% of users reached out for therapy at LifeStance because of depression. Seventy-three percent of users said the providers were able to meet all or most of their needs. Our reviewers described LifeStance’s providers as attentive and empathetic and said they would definitely want to see them again. Overwhelmingly, our users were impressed by LifeStance’s providers: 90% rated their therapist’s qualifications as excellent, very good, or good. In all, 72% of our surveyed users said they used their health insurance to help cover the cost of LifeStance’s services.

Best for LGBTQIA+ : TherapyDen

Why We Chose It 

The TherapyDen directory allows you to search for only therapists who accept your insurance and caters to the queer community, especially trans people, who are vastly under-supported when it comes to finding affirming therapists.

Pros & Cons
  • Comprehensive directory filters

  • Can search for therapists who are LQBTQIA+ themselves

  • Providers available nationwide

  • Most providers accept some type of insurance

  • Availability of trans therapists varies depending on location

  • Not all providers are credentialed on the site


It’s hard enough to find an LGBTQIA-affirming therapist, let alone one that accepts insurance. TherapyDen makes this process significantly easier by allowing users to search for therapists licensed in their state of residence who accept their specific insurer and are gender-affirming, or even queer themselves.

TherapyDen aims to fill a gap that many therapy directories don’t address—that is, the lack of focus on queer providers, especially trans therapists. You can filter your search for a therapist with a wide variety of specifications to find the best match for you, such as gender, ethnicity, therapist’s language, free consultation, treatment techniques, familiarity with certain faiths, insurance, and more. 

TherapyDen’s providers offer every type of therapy, such as individual, couples, family, child, adolescent/teen, group, and psychiatry/medication management. TherapyDen also provides a search option for very specific topics of group therapy, such as people who have lost pets, so you can find the right group for you.

Types of Insurance Accepted

As TherapyDen is a therapy directory, it largely depends on the individual provider if your insurance is accepted. The directory is large, and most providers accept some type of insurance. One of the search filters you can use is providers who take your particular insurance company. You can also view providers’ profiles to see if they accept certain insurances and, if that information isn’t available, you can reach out directly to a provider.

Out-of-Pocket Plans & Pricing 

Again, because TherapyDen lists different providers, costs vary. However, it’s always helpful to check a provider’s profile and the information they list because it can help answer questions such as cost and if a therapist offers free consultations or assessments. If paying out-of-pocket, you can search by appointment cost.

User Satisfaction

Of the users we surveyed, 80% rated TherapyDen as very good or good. Regarding whether they were able to find a therapist who met all of their needs, 60% of users said yes. Ninety-two percent said they were very satisfied, satisfied, or somewhat satisfied with the therapist options on TherapyDen, and 71% rated the number of therapists who offered payment options (e.g. sliding-scale rates, accept insurance, etc.) as good or very good.

Best for Under Age 18 : Amwell

  • Price: $109 to $279
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Couples Therapy, Family Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling
Why We Chose It 

Amwell has therapists experienced in treating children ages 10 and up available in every state in the U.S. and it asserts its service is a covered health insurance benefit for over 80 million people.

Pros & Cons
  • Can talk with a therapist on weekends, holidays, and evenings

  • Medication management (not for minors)

  • Can choose your own therapist

  • Covered under insurance for millions of Americans

  • Doesn’t prescribe controlled substances

  • Not available outside of the U.S.

  • Psychiatrists can’t see minors


Amwell is one of the few teletherapy companies that accepts most major insurance plans, is available nationwide, and has therapists who are trained and experienced in treating children. It is available as a covered health benefit under most health insurance plans and provides not only online therapy but also general telehealth appointments. It accepts the most insurance plans of any company we looked at: 126.

Two brothers—both medical doctors—founded Amwell in 2006 in Boston. At Amwell, both therapists and psychiatrists are available. They can treat many conditions, as well as help you tackle life problems. Providers can help address issues like anxiety (including social anxiety), depression, stress, bereavement/grief, OCD, PTSD/trauma, panic attacks, insomnia, and life transitions. 

The company treats individuals, couples, and families. Its therapists can see patients as young as age 10 with caregiver consent. Therapy sessions last 45 minutes and are held via video. 

Please note that only adults can access Amwell’s psychiatry/medication management services. If you’re looking specifically for online psychiatry for minors, check out our listing for Talkiatry (above), which works with patients as young as age five.

Types of Insurance Accepted

Amwell accepts a number of major insurances including, but not limited to, Aetna, Blue Cross Blue Shield, Emblem Health, and UnitedHealthcare. Amwell does accept HSA and FSA payments as well.

Out-of-Pocket Plans & Pricing 

A visit with a master’s level therapist costs $109 and one with a doctoral-level therapist is $129. Psychiatric visits cost $279 and follow-up visits (15 minutes) cost $109.

User Satisfaction

Of the users we surveyed, 95% rated Amwell as excellent, very good, or good, and 78% said they would recommend the service to a friend. Additionally, 88% said it was an improvement on similar services they’d tried in the past. Our reviewers felt their first therapist was attentive, but not necessarily the best fit for them. As far as insurance: 61% of users surveyed said it helped them pay for Amwell’s mental healthcare.

Best for Group Therapy : Mindful Care

  • Price: $49 per month for substance abuse; Individual therapy: $50 for 20-minute sessions; $100 for 40-minute sessions; $35 per group session; $75-$175 for psychiatry session
  • Is Insurance Accepted?: Yes
  • Type Of Therapy: Group Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling
Why We Chose It 

Mindful Care accepts most major insurers and is one of the few online therapy companies to also accept Medicare and Medicaid. In its unique group therapy model, therapists use cognitive behavioral therapy (CBT) to guide patients and help them address their issues head-on.

Pros & Cons
  • Accepts insurance through most providers

  • Affordable self-pay rates

  • Morning, afternoon, and evening group therapy availability

  • Accepts Medicare and Medicaid

  • Not available nationwide (only six states)

  • Can’t always select your provider 

  • Doesn’t prescribe controlled substances


Mindful Care offers a wide array of topics for group therapy and accepts most insurance plans in the states it serves. It does group therapy right—and comprehensively. Mindful Care’s group therapy is CBT-informed and groups are available for anxiety, depression, substance use disorders, trauma, bipolar disorder, and life challenges. It also offers groups specifically for queer patients, groups that teach patients how to have healthier relationships, and groups where therapists teach dialectical behavioral therapy (DBT) to help clients learn how to better handle tough emotions.

Group therapy is beneficial not only because of what you learn from the therapist but also because of what you can learn from the other people in the group who are experiencing a similar situation or diagnosis as you. It’s important to note that group therapy is different from peer support groups because the former is led by a professionally trained therapist, and the latter is typically led by peers from various walks of life.  

Aside from group therapy, Mindful Care also offers individual therapy. It has same and next-day appointments Sunday through Friday, 8 a.m. to 6 p.m. Usually, Mindful Care can get patients in within 48 hours, however, sometimes it’s longer due to high demand. Same-day, 20-minute micro-appointments may also be available. 

Mindful Care has nurse practitioners and certified physician assistants on staff. People ages 12 and older can use Mindful Care’s psychiatric services and those 18 and older can access its therapy services and substance use counseling.

Types of Insurance Accepted

Mindful Care accepts most commercial insurance providers, such as Aetna, Blue Cross Blue Shield, Cigna, Humana, Optum, and UnitedHealthcare. It also accepts Medicare and Medicaid. Your insurance acceptance will depend on the state you’re in and your individual plan. To get started, you can sign up on Mindful Care’s website for an appointment. From there, you enter your health history and your insurance information. Mindful Care will let you know if your insurance is accepted.

Out-of-Pocket Plans & Pricing 

Even without insurance, group therapy at Mindful Care is an incredibly affordable therapy option.

For group and individual therapy:

  • Initial evaluation: $150
  • Group session (60 minutes): $35
  • Individual session (40 minutes): $100
  • Individual session (20 minutes): $50

For psychiatry (medication management):

  • Initial evaluation (40 minutes): $175
  • Follow-ups (20 minutes): $75
User Satisfaction

Of our users, 92% rated Mindful Care as excellent, very good, or good, and 82% said their provider met all or most of their needs. Overall, 83% of users said they were very satisfied or satisfied with the therapist options provided and 95% rated their therapists’ qualifications as excellent, very good, or good.

Best Directory : Headway

Why We Chose It

Headway’s easy-to-use, comprehensive directory only lists therapists who accept some form of insurance, making it easier to find an in-network therapist that meets all your needs.

Pros & Cons
  • Wide variety of filter options

  • Pleasing website aesthetic

  • Easy to use

  • Only lists providers who accept insurance

  • Providers not available nationwide

  • Doesn’t accept Medicare and Medicaid


Headway is a rarity among online therapist directories: it only lists therapists who accept insurance and even takes care of the insurance paperwork for you. 

Headway makes the process of finding a therapist simpler with its various filter options. In addition to searching for a therapist based on your location, diagnosis or issue, and insurance company, you can also narrow down your search by provider availability, gender, ethnicity, option for phone consultations, languages spoken, therapeutic modalities, and more. Providers’ bios prominently show their next availability so you know when you can expect care. You can book a session with a provider via their profile. 

To estimate the session cost, you enter your insurance information via a provider’s bio and the website will calculate how much you may pay out of pocket. You can also choose to only view providers who offer a free, short consultation to determine if they will be a good match. Unlike most other directories, Headway takes care of all the insurance billing and claims.

Types of Insurance Accepted

Headway’s therapists accept most major forms of insurance, including Aetna, Anthem, Cigna, Oxford, UnitedHealthcare, and Oscar. They do not accept Medicare or Medicaid.

Out-of-Pocket Plans & Pricing 

Costs depend on specific providers. You can visit each provider’s bio, and depending on your insurance, the website will calculate your approximate session cost.

User Satisfaction

Of the 180 users we surveyed, 83% rated Headway as very good or good. Moreover, 67% said that finding a therapist who met all or most of their needs was very easy or easy, and 92% of users said they were very satisfied, satisfied, or somewhat satisfied with the therapist options provided on Headway.

Compare the Best Online Therapy Services That Accept Insurance of 2023

Best For
Is Insurance Accepted?
Does it Accept HSA/FSA?
Type Of Therapy
Communication Options
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Talkspace Best Overall $276 to $516 monthly Yes Yes Couples Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling Audio, Live Chat, Messaging, Phone, Video Chat Learn More
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Talkiatry Best for Psychiatry/Medication Management Depends on your insurance Yes. BCBS, Cigna, United Health, Aetna, Tricare, Medicare, and others Yes Individual Therapy, Medication Management, Psychiatry Video Chat Learn More
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MDLIVE Best Flexible Scheduling $108-$284 per session Yes Yes Individual Therapy, Medication Management Video Chat Learn More
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Monument Best for Substance/Alcohol Use Disorder $0 to $249 per month Yes Yes Group Therapy, Medication Management, Peer Support Messaging, Video Chat Learn More
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Brightside Best for Depression and Anxiety $95-$349 Yes Yes Individual Therapy, Medication Management, Psychiatry Messaging, Video Chat Learn More
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LifeStance Health Best for Postpartum Depression $150 to $300 per session, if paying out of pocket Yes Yes Children's Therapy, Family Therapy, Group Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling Video Chat Learn More
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TherapyDen Best for LGBTQIA+ N/A N/A N/A N/A N/A Sign Up Now
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Amwell Best for Under Age 18 $109 to $279 Yes Yes Couples Therapy, Family Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling Video Chat Learn More
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Mindful Care Best for Group Therapy $49 per month for substance abuse; Individual therapy: $50 for 20-minute sessions; $100 for 40-minute sessions; $35 per group session; $75-$175 for psychiatry session Yes No Group Therapy, Individual Therapy, Medication Management, Psychiatry, Teen Counseling Audio, Video Chat Learn More
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Headway Best Directory N/A N/A N/A N/A N/A Sign Up Now
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Final Verdict

Talkspace stood out to us because not only does it accept most major insurance plans, but it also offers quite a few different services, including individual, couples, teen talk therapy, and medication management. This allows it to treat a number of different mental health conditions, and offer a variety of communication methods. Additionally, the fact that the company accepts not only many commercial insurance plans but also gives patients the option to use their EAP coverage makes Talkspace more accessible for many people.

However, if you’re looking specifically for an LGBTQIA+ affirming therapist, TherapyDen may be a better fit because it focuses specifically on this community. Additionally, if you’re looking for group therapy, Mindful Care is a great choice as it has many group therapy options with the backing of cognitive behavioral therapy, which is clinically supported.

Guide to Choosing the Best Online Therapy That Takes Insurance

Comparing Online Therapy Platforms That Accept Insurance

There are various factors to consider when choosing which online therapy service is best. These options include:

  • Price: Consider not only the cost per session but also how much of it your insurance may cover. There also may be fees or add-on costs, depending on the specific company, that your insurance may not cover.   
  • Topic: Every patient is different and the condition you need treated or the life issue you need to work through will be different from someone else. It’s important to consider what you want to work through in therapy and what therapeutic modalities may be best for you to do so. You should consider what therapeutic modalities have been most successful and are clinically backed when it comes to the condition you have or the life issue you’re experiencing. 
  • Scheduling: Therapy can be emotionally demanding and exhausting. Therefore, you’ll probably get the most progress out of therapy if sessions can be scheduled when you’re able to give the most to them. For some people, work hours are too stressful to engage in therapy. So it can be helpful to consider whether the company has therapy options during the weekends and evenings.  
  • Location: Therapists can only provide care in the states where they’re licensed, so even if you find a good therapist fit it’s first crucial to check their licensure. Often, therapist bios will list which state(s) they’re licensed in. Also, when you’re traveling, you probably won’t be able to meet with your therapist via video because they can’t practice care outside of the state they’re licensed.
  • Method of counseling: Therapy can take place in a number of ways including the company’s chat system, text messages, phone calls, and video calls. Often therapists prefer video calls because they can see their patients and read their body language, which can help them deliver better care. However, messages can be helpful between sessions if a patient needs that supplemental support. You should consider what works best for you and if the company offers this method of counseling. Some companies offer plans that include a certain number of messages between therapy sessions.
  • Ease of switching therapists: A good therapist fit is one of the most important factors in therapy and it can take a few sessions to determine if your therapist is the appropriate fit for you. Therefore, it’s helpful to know upfront if a company easily allows you to switch therapists so you can have that option in case you need it.

Does Health Insurance Cover Mental Health?

Yes, health insurance covers mental health and behavioral health services. These are considered essential, and may include, but are not limited to substance use, psychotherapy, or inpatient care, says Nic Hardy, PhD, LCSW, a subject matter expert. 

While the Affordable Care Act requires that all healthcare plans cover at least some mental health services, says Amy Marschall, PsyD, another subject matter expert, the Wit v. United Behavioral Health ruling in January 2023 may overturn this requirement. Therefore, Marschall advises, it’s best to call your insurance provider to ask them what is covered in your plan.

Why Is It Beneficial to Have Mental Health Care Covered by Insurance?

“Mental health is health! It is an important part of our well-being, just like all other aspects of healthcare,” says Marschall. “It's important for people to be able to get support for their mental health just like for other aspects of health.”

“Affordability is a barrier that makes counseling less feasible for many people. As a result, it is beneficial to have mental health care covered by insurance because it lowers out-of-pocket costs, and thus, increases access and availability. Furthermore, it expands the number of options individuals have when looking for a mental health care provider. Even if your mental health care is covered by your insurance, you can still pay out of pocket to providers who don’t accept it,” Hardy adds. “However, you have the additional option of accessing those providers who do accept insurance in-network. For companies, it is beneficial to cover mental health care because it can increase productivity at work and decrease burnout and other stress-related issues.”

Why Is It So Hard to Find a Therapist Who Takes Insurance?

There are several challenges created for therapists who accept insurance, says Hardy. All of this, he says, leads to many therapists not accepting insurance, making it harder for individuals in the market for a therapist. First, the negotiated rate for counseling by insurance companies is normally less than what a therapist would charge. This makes accepting insurance less rewarding.

“Furthermore, therapists who accept insurance often complain about frequent cancellations and no-shows among clients. And insurance companies require a diagnosis in order to provide reimbursement,” explains Hardy. “Because not every client fits the description of a diagnosis, this raises ethical concerns in certain situations. Lastly, billing insurance can be time-consuming and takes away from the actual treatment provided to clients.”

To find online therapy that takes your insurance, you can often check which insurers they accept on their website. Furthermore, it’s best to call your insurance company directly to ask if the company accepts your specific plan and ask what your copays might be if you have them.

Who Is Online Therapy Right For? 

“Most people can benefit from online therapy,” says Marschall. “Outcome research shows that online therapy has comparable outcomes to in-person therapy for most people, and some people even prefer and do better with telehealth.”

What Types of Online Therapy Are Offered?

The type of therapy is incredibly important to consider when choosing an online therapy service because it can determine your success and progress with therapy. Most companies offer individual therapy, but if you’re looking for family or couples counseling, you’ll want to check if the service offers these options, and if your insurance will cover these. 

When choosing online therapy, the types of therapy offered are important because different treatment strategies are better suited for certain issues, says Hardy. For instance, if an individual is experiencing anxiety, cognitive behavioral therapy may be appropriate, especially if cognitive distortions are negatively contributing to their thoughts and feelings. For someone considering therapy, providers who have education and experience in different treatment approaches can also effectively address a broader range of issues. They are less restricted and can leverage more than one reference point to support a client’s needs.

What If I'm Having Thoughts of Harming Myself?

What If I'm Having Thoughts of Harming Myself?

If you’re experiencing thoughts of harming yourself, there are resources to assist you:

  • Suicide and Crisis Lifeline (formerly known as the National Suicide Prevention Lifeline): Call or text 988 
  • Trans Lifeline: 877-565-8860
  • Trevor Project: 866-488-7386
  • Crisis Text Line: Text “START” to 741-741
  • National Alliance on Mental Illness: 1-800-950-NAMI (6364) or text 6264, available Monday through Friday, 10 a.m. to 10 p.m. Eastern Time

Frequently Asked Questions

  • How Much Does Online Therapy With Insurance Cost?

    The costs of online therapy with insurance will vary widely depending on the company, the type of therapy, and your specific insurance plan. Some insurance plans cover most or all therapy sessions, but it’s best to check with your insurance company to find out what your specific costs will be and whether there are specific criteria that need to be met before the company will cover the costs of service, such as an official diagnosis.

  • Does Online Therapy Take Medicare or Medicaid?

    Some online therapy companies accept Medicare and Medicaid and you can usually find this out via their website or, if that information isn’t available there, you can call the company directly. However, just because a company says they accept Medicare and Medicaid, you should also check if they accept them in your state. Calling your insurance company may give you this answer most directly and quickly.

  • Why Is Some Online Therapy Not Covered by Insurance?

    While all the therapy companies we listed do accept insurance, some online therapy isn’t covered by insurance because there are many factors that go into whether a service accepts insurance. Some of these factors include the online therapy provider, diagnosis, the patient’s location, and the specific treatment plan. The best practice is to contact your insurance company to see what is covered and what isn’t.

  • What Should I Do if My Insurance Doesn’t Cover Online Therapy?

    If your insurance doesn’t cover online therapy, you should see what the self-pay options are to see if they are feasible. You can also see if your employer offers an employee assistance program (EAP) to see if you can get a number of sessions at no cost to you. Additionally, you can explore if some therapists are able to do a limited amount of sessions pro bono.


Our methodology for evaluating online therapy services is backed up by comprehensive data, both qualitative and quantitative. We evaluated 55 companies and 25 directories and narrowed them down to the 11 best online psychiatry options. In order to collect comprehensive data, we sent questionnaires to each company and surveyed current users of each company (105 users) and directory (180 users). This process let us review the best online therapy services in a fair, impartial, and accurate fashion. 

We looked at many factors from therapist qualifications, website usability, sign-up process, subscription offerings, client privacy protections, and ease of changing therapists. We also examined the type of care and therapy offered, quality of care, insurance acceptance, cost, value for money—all considerations that are important for a patient to find quality online therapy. 

Psychologist making notes during online session with patient

NickyLloyd / Getty Images

Article Sources
Verywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. Bishop TF, Press MJ, Keyhani S, Pincus HA. Acceptance of insurance by psychiatrists and the implications for access to mental health careJAMA Psychiatry. 2014;71(2):176-181. doi:10.1001/jamapsychiatry.2013.2862

  2. U.S. Chamber of Commerce Foundation. Roni Frank.

  3. U.S. Food and Drug Administration. FDA approves first treatment for post-partum depression.

Edited by Olivia Campbell
A white woman with red hair and blue glasses stands in front of green trees

Olivia Campbell is a health editor for performance marketing at Verywell. She is author of the New York Times best-selling book “Women in White Coats: How the First Women Doctors Changed the World of Medicine.”

Learn about our editorial process
and Simone Scully

Simone is the health editorial director for performance marketing at Verywell. She has over a decade of experience as a professional journalist covering mental health, chronic conditions, medicine, and science.

Learn about our editorial process