Hollay Ghadery Last Updated On: September 14, 2023

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Find the Best Online Therapy That Takes Insurance

online therapy covered by insurance

No more lying on a couch in a therapist’s office. Now it’s your couch, your bed, your car—wherever you want!

In our post-pandemic world, a lot of services have moved online, including therapy. People who are in need of counseling now have the option of getting treatment in office or at home. 

Typically, online therapy is hosted via a video chat on an online platform through a clinic or organization. There’s a wide range of practices that offer these services, from online-specialized services to private practices. 

Like all decisions in life, when deciding on online therapy, you’ll have to weigh the pros against the cons:

  • Pros of Online Therapy
    • You can attend therapy from the comfort of your own home 
    • No transportation fees or arrangements needed
    • Can see a therapist during evenings, weekends, or whenever suits your schedule
    • Shorter wait times for finding a therapist
  • Cons of Online Therapy
    • Need a strong internet connection 
    • Can feel less personal 
    • Therapist may miss some nonverbal cues 
    • Privacy can be difficult to obtain if you do not live alone

Decisions like these should not be made lightly, especially when it concerns your mental health. But if online therapy is an idea you wish to explore more, we’ll help you figure out the logistics of online therapy with insurance coverage. 

Note: online or virtual therapy is not suitable for a mental health crisis. If you or a loved one are experiencing a mental health emergency, seek immediate care by:

  • Calling a trusted friend or family member
  • Calling the national suicide and crisis lifeline at 988 
  • Texting “HOME” to 741741
  • Or going to the nearest emergency room

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Does Insurance Cover Online Therapy?

Well, sometimes yes and sometimes no. It depends. 

That’s it. End of the article. 

Just kidding! We wouldn’t do that to you. Whether or not your online therapy will be covered under your insurance will depend on these factors:

  • Your specific insurance plan
  • The online therapy service you choose 
  • State regulations 

While there are some restrictions depending on these factors, finding affordable online therapy that is covered by insurance is very possible. 

How to Find Online Therapy That Takes Insurance

If you’re not sure whether your existing health insurance policy will cover online therapy, here’s some super simple steps to find out: 

  1. Check Online Therapy Service’s Website: If you have a particular online therapy provider in mind, you can check on their website to see if they accept health insurance. They should also have a list of the insurance companies that they accept. 
  2. Call Online Therapy Service: You can always call their office to inquire if you can’t find the information you’re looking for on their website. 
  3. Call Your Insurance Provider: Your insurance provider will have the most details on what coverage you have, co-payments, which services are in network, etc. Speaking with them can clarify any questions or concerns. 

For those who are in the process of purchasing health insurance, make sure you read up on whether the policies you are considering will cover online therapy. If in doubt, ask your insurance agent. 

Best Online Therapy Insurance Coverage

Maybe you don’t have a particular therapist in mind for your online sessions quite yet. That’s totally fine! 

We compiled a list of the highest-ranking services available so that you can find the best online therapy that takes insurance. These include:

  • Talkspace:
    • Best subscription value 
    • Includes text option as well as live video sessions 
    • Workplace benefit at some employer
    • Best for individual appointments
    • Online video or phone sessions offered
    • Can receive prescriptions from a psychiatrist if necessary
  • Amwell Online Therapy:
    • Best for prescriptions
    • Live video chat sessions
    • Can work with a psychiatrist and/or primary care physician for medication
  • Doctor on Demand Online Therapy:
    • Best for working with a full care team
    • Initial assessment to evaluate which type of therapy suits you best
    • Wide range of expertise from depression and anxiety to trauma and loss
  • Teladoc Virtual Counseling:
    • Best for video appointments
    • Offers talk therapy and couples therapy
    • Employs psychiatrists who can prescribe medication if necessary

Now, whether or not these particular companies will take your individual insurance will again depend on your provider and your plan. But looking into these five companies is the perfect place to start.

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Does Medicare Cover Online Therapy?

Good news! All Medicare recipients have online therapy insurance coverage. Medicare Advantage plans (aka Medicare Part C) can also offer this type of coverage.

Does Medicaid Cover Online Therapy Too?

Most Medicaid recipients have insurance coverage for online therapy as well. 

Since Medicaid is regulated differently between states, its coverage is not a guarantee. But the vast majority of states do cover online therapy under Medicaid. You can call the number on your Medicaid card to inquire about the coverage in your particular state. 

So, if you’re in the Medicare or Medicaid boat, odds are that you’re covered. This is great, but you’ll need to be careful that you find online therapy providers that accept Medicare and Medicaid insurance specifically. 

Options for Those Without Insurance

Maybe you’re between health insurance plans, or you just need more time to figure it out. That’s no problem either. There are plenty of low-cost and free online therapy options available for people without health insurance.

Just call the National Alliance on Mental Illness (NAMI) hotline at 800-950-NAMI (6264) to be connected with mental health professionals free of charge. 

And when you have a chance, go ahead and click here for access to free quotes to find a new health insurance plan that suits you best. 

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Additional Tips on Finding a Therapist

Whether you decide to use online therapy services or you opt for an in-person one, finding the right therapist for you is vitally important. 

In addition to making sure they are covered by your insurance, you should also take into account: 

  • The initial cost of trying this service 
  • How the payment and billing works
  • The therapist selection process
  • Whether you can find a therapist that understands your experiences
  • The validity of therapists’ credentials  
  • What type of providers are available 

We’ve said it many times before and we’ll say it many times again: insurance is a personal choice. And so is therapy. We want to make sure you’re equipped to make the best possible decision for you as an individual in your own unique circumstances. 

Final thoughts: Online Therapy With Insurance

Finding an online therapist covered by your insurance can be overwhelming, but it doesn’t have to be. There are more online therapists than ever, so you should be able to find a therapist that meets your needs (and takes your insurance) without much trouble. 

Still choosing an insurance plan, or looking to make a switch? We’ve got you covered. Get access to free quotes, helpful advice, and guidance for insurance plans that cover online therapy by clicking here

You deserve great coverage. Get started today. 

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Hollay Ghadery Hollay Ghadery is a writer and editor who is passionate about financial literacy as a means to personal fulfillment. Hollay has over 18 years of experience creating content about a range of topics related to personal finance, including insurance, investing, banking, and credit cards. When Hollay isn't writing, she's spending time with her four children, two dogs, and three goats.

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