Best Online Therapy That Takes Insurance

Online therapy is a great option for people seeking mental health care that they can attend from the safety of their own home. However, many depend on their insurance coverage to afford these services. That’s why we’ve put together this list of the five best online therapy sites that take insurance. 

Take a look through what these services have to offer and let us help you make the best choice for you. Want more information on one of our choices? Take a dive into our full-length reviews and cost breakdowns of each of these great therapy sites!

The Top 5 Online Therapy Providers Taking Insurance

RankSiteFree Trial Link 
#1TalkspaceTry Now
#2Dr. On DemandTry Now
#3TeladocTry Now
#4LiveHealthTry Now
#5AmwellTry Now

1.  Talkspace

Talkspace app screenshot showing a patient
Talkspace app screenshot showing the matching section
Talkspace app screenshot showing a patient messaging a therapist
  • Provides licensed therapists and psychologists 
  • 7-days-a-week service model
  • May be able to issue prescriptions (for non-controlled substances) 

Why We Like Talkspace: Talkspace offers one of the best pricing and scheduling models available for those seeking consistent mental health care. They offer text-based counseling and face-to-face video counseling to help customers get the most out of their mental healthcare experience.


2. Dr. On Demand

Dr. On Demand App Screenshot
Dr. On Demand App Screenshot
Dr. On Demand App Screenshot
  • Only employs the highest certified and educated therapists and psychiatrists
  • Only pay for your appointments, not for a monthly service you may not use
  • Can be covered by insurance plans that cover telemedicine

Why We Like Online-Therapy: Dr. On Demand is an extremely popular and highly trusted teletherapy provider, which is why so many insurance providers cover their services. They stand above many other services thanks to their highly trained staff that cut no corners on providing mental health care. 

Dr. On Demand logo

3. Teladoc

Teladoc iOS app screenshot
Teladoc iOS app screenshot
Teladoc iOS app screenshot
  • Offers a free mental health evaluation guide to help users get the care they need 
  • Has a large pool of insurance companies that can be used for their services
  • Users can easily see from their dashboard which services are covered by their insurance

Why We Like Teladoc: Teladoc is a full-service telemedicine company, which means they accept most major insurances and can provide many mental health services at an affordable cost. Their sign up is fast and free because you only pay for the appointments you make and attend. 

Teladoc logo

4. LiveHealth

LiveHealth App screenshot
LiveHealth App screenshot
LiveHealth App screenshot
  • Counselors, psychologists, and psychiatrists available for appointments.
  • You get to choose the provider that you are most interested in.
  • One of the most inexpensive ways to access mental health care, online. 

Why We Like LiveHealth: LiveHealth is one of our top picks thanks to their extremely easy to use website, great pricing options, and the sheer number of insurances they are able to accept. Anyone seeking any level of therapy services can find a great provider through LiveHealth. 

LiveHealth logo

5. Amwell 

Amwell App Screenshot of Doctor
Amwell App Screenshot
Amwell App Screenshot
  • Some of the longest standard appointment sessions of any site 
  • Low costs with and without insurance
  • Accepts most major insurance providers so long as they cover telemedicine

Why We Like Amwell: Amwell is in our top five list of the best online therapy that takes insurance because it offers the same great service as other online therapy services, but also has basic-level counselors and therapists that can offer helpful services at a far more affordable price. Amwell allows users to sign up for free so they can check if their insurance plan is accepted. 

Amwell Logo

Does insurance cover online therapy? 

All the online therapies on our list do accept insurance, but not every online therapy service does. Typically, those who cannot offer insurance coverage try to find other ways to make their services affordable. This might be done through a monthly installment plan, or discounted services. Still, some online therapy sites lack all these amenities and still overcharge for their services.

That’s why it is so important to research a service before signing up for any costly memberships. The good news is, you don’t have to look far to research these companies. We have in depth reviews of the best online therapy websites for your viewing convenience.


How do I check if an online therapy provider takes my insurance?

  • Click the link above to navigate to the online therapy site in which you are interested.
  • Fill out your personal information to sign up for the website
    • Some sites will ask you to input your insurance information during the sign up process, so have your insurance card nearby for reference!
  • If you didn’t input your insurance information during sign up, navigate to your account page to input your insurance information. 
  • One the site has your insurance info, you can head to your homepage where most online therapy sites will tell you which services are covered by your plan. 
  • If you don’t see any indication of your coverage on your homepage, try making a therapy appointment and check the cost of the appointment on the check out page. If your insurance is being used, you will see that reflected in the cost.
  • Still unsure? Feel free to reach out to the site’s customer service team for additional guidance. 

What happens if an online therapy company I want to use doesn’t take my insurance?

You can reach out to the online therapy service for additional insight into the acceptance of your coverage, or the potential for future coverage. However, you will likely need to pay full price for the service. If you find that your insurance isn’t accepted at any of these sites, you may want to make a low, out-of-pocket cost a priority in your online therapy search. 


Do I have to pay my deductible with online therapy?

Yes. If you have not already paid your entire deductible, you may be required to make a payment towards this deductible for your online therapy services. 


Will I have to pay a copay for online therapy?

If your insurance lists a copay for services, you will need to pay this before attending your appointment. 


Will my insurance cover any prescriptions for my online psychiatrist?

In some cases, your mental health care provider will be able to prescribe you medication. Often, they send your prescription to your local pharmacist where you will be able to utilize your insurance and any pharmacy discount cards you may have. Some services provide the cost of medication as a portion of their service fee, in which case you may not be able to use your insurance.