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Online Therapy Insurance Guides

Navigating insurance for online therapy can be confusing. Our guides break down coverage by insurer and help you find affordable options.

Quick Answer: Does Insurance Cover Online Therapy?

Some platforms, yes. Talkspace, NOCD, Brightside, Talkiatry, Amwell, MDLive, and Teladoc accept insurance. BetterHelp, Calmerry, and Regain are cash-pay only but accept HSA/FSA.

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Does Insurance Cover Online Therapy? Complete 2025 Guide

Everything you need to know about insurance, copays, deductibles, and which platforms work with which insurers.

Guides by Insurance Provider

Ae

Aetna

Coverage details & eligible platforms
Ci

Cigna

Coverage details & eligible platforms
BC

Blue Cross Blue Shield

State-by-state coverage info
UH

United Healthcare

Coverage details & eligible platforms

Government Programs

Medicare

Coverage for seniors & eligible adults

Medicaid

State-by-state coverage guide

Alternative Payment Options

Using HSA/FSA for Online Therapy

Most platforms accept Health Savings and Flexible Spending Accounts—even if they don't take insurance.

Sliding Scale Online Therapy

Income-based pricing options, including BetterHelp's financial aid program.

Out-of-Network Reimbursement

How to submit superbills and get partial reimbursement for cash-pay platforms.

Platforms That Accept Insurance

Talkspace
NOCD
Brightside Health
Talkiatry
Amwell
MDLive
Teladoc
Cerebral (some plans)

Annual Cost Comparison

The savings from using insurance can be substantial:

Cash-pay (BetterHelp avg) ~$3,120/year
With insurance ($30 copay/week) ~$1,560/year
Potential savings $1,560/year

*Actual costs vary by plan. Some plans cover 100% after deductible is met.