In some cases, it can help to talk with a therapist of a certain race, gender, age, or similar background to you. You can see your therapist in person if you need to. Check for local online therapists if this is important to you.
Not all therapy professionals are able to provide the same services. Make sure the platform and therapy professional can give you the support you need. Your online therapy sessions will work just like a face-to-face therapy session would.
You can normally do this online or by using an app on your phone. Some services also let you talk with your therapist over the phone without a video call. This can be even more convenient in many cases. This can be a great way to manage your mental health on the go. After your session, you can schedule the next visit.
Some platforms will allow you to request additional visits whenever you need them. Most platforms allow you to switch therapists by simply scheduling an appointment with a different professional. Not all online therapy services choose to accept insurance due to the complexities involved.
Dealing with insurance companies means handling paperwork, adapting to different payment rates, and meeting diverse licensing requirements across states.
Some platforms prioritize affordability or prefer a more straightforward billing process, opting for a self-pay model. In addition, managing insurance billing could cause payment delays, affecting how smoothly the platform operates. Online therapists typically charge a fee for their services, but there are some free resources you may be able to use.
These include:. Before choosing an online therapy service, check to see if the company accepts your insurance plan and if there will be a copay.
It can be more expensive depending on the services received and the company providing the service. Insurance may cover some or all these costs, depending on your plan. It depends on which service you choose.
However, you may be able to get these costs completely or partially covered by insurance. Online therapy platforms provide access to licensed therapists and mental health professionals through digital communication channels like text, audio, or video. These platforms offer a range of therapeutic services for individuals seeking support for various mental health concerns.
Selecting an online therapy platform that accepts insurance can be a convenient way to access mental health support while reducing out-of-pocket expenses.
Using online platforms also gives you a wider range of therapists from which to choose. You can start by contacting your insurance company to see whether you have coverage for online therapy.
A representative can confirm your coverage and point you in the right direction to get the support you need. Our experts continually monitor the health and wellness space, and we update our articles when new information becomes available. VIEW ALL HISTORY.
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Health Conditions Discover Plan Connect. Medically reviewed by Lori Lawrenz, PsyD — By S. Srakocic and Jody Amable and Traci Pedersen — Updated on December 20, How we vet brands and products Healthline only shows you brands and products that we stand behind. Our team thoroughly researches and evaluates the recommendations we make on our site.
To establish that the product manufacturers addressed safety and efficacy standards, we: Evaluate ingredients and composition: Do they have the potential to cause harm? Fact-check all health claims: Do they align with the current body of scientific evidence?
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Read more about our vetting process. Was this helpful? A quick look at the best online therapy services that accept insurance. Comparison of the best online therapy that takes insurance.
Providers include Aetna, Anthem, Health Net, and others. How we chose. How do I know if an online therapist takes my insurance? Do online therapy services take Medicaid or Medicare? Tips for finding an online therapist. Pros and cons of online therapy.
Conveniences abound You can attend an appointment from the comfort of your home or office. You can often see a therapist in the evenings and on weekends. You can often get an appointment very quickly. Technically challenged You need a strong internet connection to access the service.
Videos can break up or lag, which can be a stressful therapy experience. Online therapy can feel less personal, and therapists may miss some nonverbal cues.
What to expect during online therapy. Frequently asked questions about online therapy and insurance. The exact coverage for online therapy available to you depends on: your insurance plan the therapist you choose state regulations where you live.
Can you talk with a therapist for free online? How much does therapy cost? How much does online therapy cost? Is there a way to talk with a therapist online for free? This is a big deal considering that, in the U. That said, if you do not have insurance, this is not the company for you because it only accepts patients with insurance.
There are a few more things to be aware of. While Talkiatry therapists provide talk therapy, you can only access those therapy services with a referral from your Talkiatry psychiatrist—and there is a waiting list to see those providers. So if you think you need therapy but are uncertain whether you need medication, Talkiatry is likely not the service for you.
In addition, Talkiatry is only available in 43 states; it does not cover Alaska, Delaware, Idaho, New Mexico, North Dakota, South Dakota, and Wyoming.
We also found that if you begin the sign-up process but do not pick a provider or schedule your first session, the company will email and call you as a follow-up.
However, it will only attempt to contact you once; you do not need to worry about repeated calls or emails if you do not respond to the first one.
Instead, you pay per session with your psychiatrist plus the cost of any prescribed medication. The price you pay per session will depend on your insurance.
The Talkiatry users we surveyed had overwhelmingly positive reports of their time with the company. Two of the most common mental health conditions in the United States are anxiety and depression: Approximately 40 million adults are affected by anxiety-related disorders, and By specializing entirely in treating depression and anxiety disorders including generalized anxiety disorder, panic disorder, and social anxiety through talk therapy and if appropriate medication, the company has streamlined its service to be effective, reliable, and affordable regardless of where you live.
We were also particularly impressed with its self-care services—a bonus to its therapy and medication management plans—that include self-paced audio lessons and exercises you can try between therapy sessions.
The company uses cognitive behavioral therapy , or CBT, as the core of its talk therapy treatment plans. This evidence-backed therapy approach is frequently used to treat depression and anxiety because it can be very effective. The method involves working with your therapist to recognize negative thought patterns and learning new ways of thinking or reacting to triggering experiences, like feeling wrong or rejected.
Our live sessions were 45 minutes and held over video calls at convenient times, including evenings and weekends.
Thanks to the messaging feature, we could message our therapist anytime through our portal. Some therapists also sent us worksheets and other CBT materials to read through that same messaging portal, which we appreciated, since it helped us feel supported during our therapy journey.
Something else that stood out to us during our testing was how thorough the intake process was: It took about 15 minutes to complete and involved two different assessments, one to assess us for symptoms of depression and one to evaluate us for signs of anxiety.
After completing that process and providing our payment information , we could use the self-care resources immediately as we awaited our therapist match. Like with BetterHelp, we could not pick our therapist, but we were able to provide a list of dates and times for our first appointment before our match was made.
The thorough intake did help make the matching process work well for us the first time, though the second time, we did request a switch to a new provider—which turned out to be a bit of a hassle. We had to email the customer service team, which followed up 24 business hours later, asking what we were looking for in our new therapist such as gender and area of expertise.
We were then assigned a new therapist. Based on our experiences, if you are looking for structured, solution-focused support, especially for anxiety and depression, we highly recommend Brightside. Brightside has three subscription plans, all of which can be offset if you have an in-network insurance provider.
The users of Brightside we surveyed had similarly positive experiences with the company. We liked that it pulls out all the financial stops with discounts, insurance reimbursements, and financial aid, making online therapy with E-Therapy Cafe more affordable and accessible.
We asked four people to sign up for E-Therapy Cafe to see if its affordable price and smaller size affects its ability to provide a variety of accessible, quality mental health services across different states it serves, including Colorado, California, and Michigan.
But despite having some concerns based solely on its outdated website and boutique size , we were overwhelmingly surprised with how well this company delivers on its promises. Yes, its sessions are only 30 minutes long—short for individual therapy and especially for couples therapy—but the company has the lowest out-of-pocket subscription therapy prices of all the companies we reviewed.
Its therapists are well qualified and include a range of specializations and credentials, such as licensed therapists, social workers, and certified life coaches.
Our coaching sessions focused mainly on goal-setting, decision-making, and behavioral changes—rather than delving deeper into historical and emotional issues—were as helpful as the sessions with licensed therapists. The company does not offer psychiatry, so you must look elsewhere if your treatment plan requires medication.
Throughout our testing, we had multiple ways to access sessions at E-Therapy Cafe: We could choose between live video sessions, live audio sessions, real-time chat, and e-journaling, which was a format unique to this company and involved writing a word entry to our therapist, which they would then read and respond to in their own time with a letter back to us.
We missed the real-time responses and personal connection of a live conversation with a therapist. Despite the short session time for couples therapy, E-Therapy Cafe was the service we were most impressed with.
We worked with three therapists, with one of our testers switching halfway through. Though one therapist was five minutes late to our first appointment, she gave us the full half hour, going beyond our scheduled time, and our second sessions with each therapist involved a deeper dive into the issues we came to therapy to discuss.
We appreciated that we could schedule at many different hours, timing our sessions after work, with one as late as 9 p. We enjoyed the service so much that we considered using it after the testing period ended.
Subscription plans and pay-as-you-go rates apply to individual and couples therapy and coaching sessions. Each plan includes a set number of sessions with your therapist as determined by the one you opt in to as well as an online chat service located within a private portal.
These sessions with your therapist can be a minute live video, an e-journal entry with a word maximum, or a minute instant chat. Sessions can be stacked and expire within 30 days of purchasing them. When it comes to taking care of yourself, including your mental health, lots of things can get in the way, like work commitments, childcare issues, school, family commitments, and financial limitations.
This made Thriveworks stand out in our research against the other companies we tested: it makes finding time for therapy really convenient. You can schedule same-day or next-day appointments, as well as early morning, late evening, and weekend appointments.
Overall, we were impressed. You can choose your therapist at Thriveworks during sign-up from a list of providers in your state, and we liked this flexibility.
In this way, the site operates like a directory: You can filter through the list by location, conditions the providers can treat, insurance plans accepted, and type of therapy offered.
And throughout our testing, we found the therapists to be warm, skilled, and qualified, making us feel like we were seeking care at a cozy private practice, not a giant national company. Our therapist was so thorough in one intake session that we went over by 25 minutes at no extra charge. The biggest drawback to Thriveworks is that there are differences in what services are offered depending on where you live.
For example, while we wanted to test virtual therapy for kids in Kentucky, we could not because no providers were available—and the closest brick-and-mortar location was too far of a commute. We are encouraged by the fact that Thriveworks is actively working on improving its nationwide therapy offerings.
While we were testing its services, it did not yet offer therapy in all 50 states only For example, New York had no locations in December of , but it has since opened a location in Buffalo as of May However, that location is still not useful for someone who lives in New York City, for example, and wants to try in-person or hybrid therapy since Buffalo is over a six-hour drive away.
Plans and pricing with Thriveworks aren't as straightforward as other online therapy companies. Pricing depends on the provider you choose and the treatment you receive. But Thriveworks also accepts a wide range of insurance plans, such as Blue Cross, Anthem, Optum, UnitedHealthcare, Aetna, Cigna, Humana, and more.
Of the users we surveyed that had used Thriveworks for their therapy needs, nearly half said that morning, evening, and weekend availability was important to them when choosing an online therapy service—and nine out of 10 rated the company as good, very good, or excellent overall and four out of five said they would recommend Thriveworks to a friend or someone like them.
No two people need the same thing out of therapy. Not only that, but it caters to kids, teens, adults, couples, and families; accepts numerous insurance plans; provides psychiatric services; and offers both in-person and virtual care.
No way to personalize session details, such as length of session or live chats at a specific time. Immediately, we were impressed with the range of services provided; the fact that this one company could offer insurance-covered, quality mental health services to people of any age, anywhere, with the option of either online or in-person impressed us greatly.
But what stood out most was the 42 different mental health issues and conditions its providers were qualified to treat—way more than at any other company we tested. The therapists we met with for individual therapy were compassionate and attentive, making us feel heard. In couples therapy, we appreciated how well both therapists we worked with were able to guide the conversation with insightful questions so both partners could feel heard, involved, and understood.
We also appreciated that we could choose our therapist, too, and there were plenty to choose from during sign-up as many as when we signed up for couples therapy, for example.
The therapists at LifeStance are also racially and culturally diverse, and we could filter the therapist list to find providers with gender identity, sexual orientation, and language spoken when that was important to us. Still, this did not overshadow the fact that this company is an excellent choice for someone seeking online therapy from a specialized therapist for various conditions , including depression, anxiety, and postpartum anxiety or depression.
You can schedule appointments with a psychiatrist and in-person sessions if your diagnosis requires it as may be the case with schizophrenia or bipolar disorder. LifeStance Health is not a subscription service, meaning you pay per therapy session you book. How much you pay for those sessions then varies based on what therapist you work with, what kind of care you need, and whether you have health insurance.
You can check whether your health insurance is accepted directly on the website, and if your plan is in-network, you will likely pay a copay. Seventeen percent of users sought psychiatry services through LifeStance, and nearly 9 out of 10 rated its psychiatry services as good, very good, or excellent.
This made Teladoc stand out in our testing of 80 companies and over 10, users: It accepts 60 different insurance plans, which is more than any other company we tested, including some Medicare and Medicaid plans. We had three people from Missouri, California, and Texas sign up for and test online therapy services at Teladoc , and overall, we had a great experience.
Not only could we use our insurance to pay for therapy—a rarity in both the online and in-person therapy worlds—but we were pleased with the number of insurance plans accepted. Being in-network with 60 different insurance plans—including Medicare and Medicaid in some states—means that most people can use their insurance benefits at Teladoc for therapy, reducing the amount you have to pay to a simple copay or coinsurance payment.
We found our therapists to be friendly and compassionate, though one seemed a bit clinical in the first intake session, where they appeared to be reading from a list of questions, which stunted the natural flow of conversation a bit.
However, this therapist warmed up over time so that, in the end, we found all the therapists to be attentive, caring, and good listeners. This made us feel confident that, should we require a different kind of care, Teladoc could still help us because the company makes it easy to switch or add on services including medical services whenever you want.
Then we were shown a list of therapists that might be a match, but you can also pick whoever you want based on their availability. We also appreciated that once you do pick a therapist and begin seeing them regularly, you can message them between sessions through your patient portal.
Psychiatry session prices are set too. In addition, more than four out of five users said they used their insurance to pay for services, with more than three out of five rating the company as affordable or very affordable.
In the U. Even online, most companies only treat teens if they treat children at all. And across the board, we were pleased with the care we received.
No other company we evaluated offers this kind of help. We appreciated how thorough this intake process was and the time the company took to figure out what treatment plan would work best—though we can see how some users might find the two welcome sessions long when they are eager to start treatment.
We found that the therapists were good at developing a rapport with the kids that participated in our testing. Sessions were 45 minutes long, which is a reasonable amount of time to build trust, and joining the first session made us feel more confident in letting the children attend subsequent sessions on their own—even though our child testers were as young as 10 years old.
The parenting coaching service was also beneficial. The coaches were well-trained and thoughtful, giving us insightful tips and advice for changing our behavior to better support our children and be the parents we were striving to be.
The most significant drawbacks to Little Otter are how few states it services—it only operates in 11 states right now—and its pricing.
Instead, you pay per session:. There are bundles available to help reduce the cost, though as of November :. Little Otter is only in-network with Kaiser Permanente, Sana, Independence Blue Cross, and AmeriHealth insurance plans.
Seventy percent said their provider met most or all of their needs. Trans and queer people frequently experience discrimination, homophobia, and transphobia and, over time, the impact of this trauma can take a toll on mental health.
That is partly why it is estimated that queer and trans people are 2. We tested the National Queer and Trans Therapist of Color Network NQTTCN across 18 ZIP codes to get a sense of how easy or difficult it was to find a therapist that might match the different therapy needs someone might have, such as finding a Black therapist or a therapist who will write a letter of support for hormone replacement therapy.
However, despite this, we were very impressed with the service. Because the company is a directory, each provider we found brought their unique expertise, experience, and preferred therapeutic modalities. We could read about these in their detailed bios when we clicked on them from our search results.
Bios list areas of expertise, therapeutic approaches, and information about the provider, like gender identity, race or ethnicity, pronouns, and professional credentials.
Across the board, we found a range of specialties, including identity issues, trauma, relationship conflict, and sexual wellness, across different states. For example, when searching for different needs, this directory out-performed 24 other similar services in how easy it was to find a Black therapist, a therapist willing to write a letter of support for hormone replacement therapy or medical transition or a therapist that might be able to support parents with children that were non-binary or trans in all the states we were able to test.
Unfortunately, NQTTCN does not list psychiatrists, so if you think you need medication as part of your treatment, you will need to look elsewhere. Since NQTTCN is not a therapy service, like many other companies on this list, but a directory service, each therapist on the site runs their practice and sets their rates.
We found some therapists that accept health insurance, though, so you may be able to use your plan to reduce your out-of-pocket cost. Others don't accept insurance but do offer sliding scale rates. You can apply for the fund on the website.
Mental illness can impact anyone of any age, gender identity, background, race, or ethnicity—but when it comes to accessing treatment, there are wide discrepancies. For example, people in Black communities are far less likely to sign up for therapy because of the cost, discrimination they experience from their therapist, a traumatic history with the health systems in this country, and stigma.
We found several directories and therapy companies trying to change this, but of all of them, Therapy for Black Girls stood out amongst the 80 companies we reviewed.
We tested Therapy for Black Girls across 18 ZIP codes to get a sense of how easy or difficult it was to find a therapist that might match 37 different therapy needs someone might have, such as wanting to work with a Black, female-identifying therapist or a therapist that has experience with issues that arise with transracial adoptions.
We were pleased to discover we could find therapists in all the ZIP codes we tested since the site also serves all 50 states and parts of Canada. We were very impressed with the range of qualifications, expertise, and certifications of the therapists listed on Therapy for Black Girls: we were able to find licensed counselors, therapists, psychiatrists, psychologists, psychotherapists, and social workers on the platform, as well as specialties that included general conditions like anxiety, depression, addictions, trauma, and grief, as well as culturally-specific issues like race-related stress.
We could also look for therapists that offered individual therapy, couples therapy, and therapy for kids and teens, as well as psychiatrists—and you had the option of looking for therapists that saw clients in person or online.
Filtering therapist options by specialty was easy in our testing—you choose from a drop-down list to the left of available therapists after inputting your location. We did have some problems that are worth noting: We could not choose more than one specialty at a time, so if we were looking for a therapist that met a variety of criteria say, one who had experience in trauma, ADHD, depression, and race-related stress , we ran into errors.
For example, suppose a therapist said she had experience treating postpartum concerns. We liked that Therapy for Black Girls offers a variety of resources aimed at destigmatizing mental health care and celebrating Black experiences. Since Therapy for Black Girls is not a therapy company but a directory, each therapist listed on the site runs their practice and sets their rates.
This means that the cost per session varies widely. In our testing, we did find it difficult to find those rates, though. Many therapists do accept insurance, and some offer lower-cost sliding scale fees.
We surveyed therapy users that had used Therapy for Black Girls to find their current or former therapist. Eighty-three percent said they would use Therapy for Black Girls again if they needed another therapist.
The directory also performed well overall, with more than nine out of 10 users rating the service as good or very good. We tested Open Path Collective across 18 ZIP codes to get a sense of how easy or difficult it was to find a therapist that might match 37 different therapy needs someone might have—such as anger management, anxiety attacks, polyamory, or postpartum depression and anxiety—to see if it delivered on its promise to offer high-quality and affordable mental health care to middle- and low-income level therapy seekers.
In testing, we found that you can browse the Open Path Collective for free, as you can with any therapist directory. Low prices are not the only reason we recommend Open Path Collective. For example, we were able to find competent therapists across all 18 ZIP codes we tested the company serves all 50 states, Washington D.
We were also able to find therapists with more specific or niche specializations, such as therapists with experience treating religious trauma. In addition, these sliding scale rates are out-of-pocket: if you want to use your health insurance to pay for your therapy, this is not the service for you.
Additionally, the number of therapists available varies wildly depending on your location—for example, there are over a thousand therapists listed in Texas, whereas Wyoming has only four. You also cannot find psychiatrists here. The most affordable therapists are pre-licensed student therapists who are supervised by licensed clinicians.
We evaluated 80 online therapy companies and therapist directories in order to compile this list. As part of our research, we signed up for talk therapy at all 55 online therapy companies we reviewed.
We tested each company's therapy services, and if the company offered other services such as couples therapy and kid or teen therapy we tested those too. Our testers are located all across the United States and abroad, meaning we have extensive information about each company's services in a variety of areas.
In addition, we surveyed more than 10, therapy users: at each of the 55 online therapy companies and at each of the 25 therapist directories. We collected over different data points in which we asked users to evaluate each company's services, from their therapist's qualifications to whether they found a therapist who met all their needs to how they'd rate the company overall.
We also sent questionnaires to each company we considered, asking for their perspectives on the services they provide, and we interviewed former patients and therapists at the companies where possible.
In addition to the extensive research we performed on each of the 55 online therapy companies we reviewed, we also researched dozens of therapy directories. We tested each by searching for appropriate therapists for 37 hypothetical scenarios that might lead someone to search for a mental health provider across 18 zip codes.
We then rated the results by how well the therapists we found in each directory could address each scenario, looking into whether it had competent, licensed therapists that were qualified to treat these issues.
Once we completed this testing and these surveys, we evaluated our findings with the help of three licensed therapists— Amy Marschall , PsyD; Nic Hardy , PhD, LCSW; and Hannah Owens , LMSW—in order to make our recommendations. These therapists provided extensive insight into the ethics and efficacy of online therapy as well as information about relevant therapeutic modalities and approaches.
If you're considering how to choose an online therapy service , you'll want to evaluate the available choices based on the type of therapy offered individual, couples, family, or group , whether the therapist is a good match and has the specialization you're looking for, the sign-up process and ease of use, and the cost.
The cost of online therapy varies depending on the service and level of support you choose. At all the online therapy companies we evaluated, you pay for online therapy with a credit or debit card. Some also accept flexible spending account FSA or health savings account HSA cards.
If you have health insurance and the company or therapist accepts your insurance, you may pay a copay at the time of your session or receive a bill in the mail after your health plan is billed.
Since the Affordable Care Act ACA was passed, mental health services are covered by most insurance plans. Services like couples therapy are generally not covered. Plus, some therapists and therapy companies do not work with insurance providers, meaning you pay for out-of-pocket or seek reimbursement from your insurance provider.
Since the COVID pandemic, Medicare and Medicaid do currently cover online therapy. This extension of online therapy benefits could change if and when the public health emergency is lifted. But like you generally do with any insurance, you will want to check that the online therapy service or practitioner you choose is covered.
Online therapy companies, like all online services, gather personal data and information about anyone that visits their sites and uses their services. In addition, since online therapy companies are telehealth services, they also gather and store health information about their patients.
As for what you discuss in session, your online therapist generally will follow the same rules as an in-person therapist: They will not share what you discuss with them unless you are a threat to yourself or others, or there is evidence of abuse or neglect to a child, elderly person, or person with disabilities.
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Black and African American communities and mental health. New York State Department of Health. Adult behavioral health and managed care. In addition to Verywell Mind, her writing, which largely focuses on interpersonal relationships, has been published in HuffPost, Byrdie, Mindbodygreen, and The Wellnest.
Use limited data to select advertising. Create profiles for personalised advertising. Use profiles to select personalised advertising.
Create profiles to personalise content. Use profiles to select personalised content. Measure advertising performance.
Measure content performance. Understand audiences through statistics or combinations of data from different sources. Develop and improve services. Use limited data to select content. List of Partners vendors. Online Therapy. Hannah Owens, LMSW.
Video therapy sessions are the most similar to in-person therapy in that you'll meet face-to-face with your therapist. Text & audio Online therapy provides a private, convenient and often affordable way to access mental health help without requiring you to visit a Dial a number or log in to a site, and the session can happen wherever you are comfortable. Compared to traditional in-person therapy
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