We would prefer to be able to check our coverage before we took the time to sign up. However, we did find that we weren’t able to verify our insurance was accepted (or see how much our copay would be) until we began the sign-up process, which was a bit disappointing. This allowed us to reduce our out-of-pocket costs from the $99-$299 we’d otherwise have to pay per session for mental health services. We were also very pleased with the sheer number of insurance plans Teladoc accepts-60, including Medicare and Medicaid in some states, which is more than any other service we evaluated. At subscription-based services, weekly sessions are use them or lose them if you don’t remember to pause or cancel your subscription so one thing we particularly liked about Teladoc was how the per-session model meant we didn’t have to remember to pause or cancel our therapy subscriptions if we were going to need to miss a week or two due to travel or other commitments. Plus, since it uses a pay-per-service model rather than a subscription service, we found it was easy to use the service as needed for mental health and medical needs. Here are the 8 online therapy companies that accept insurance we recommend.Ī key perk of Teladoc is that it offers more than just mental healthcare because it is also one of the oldest telehealth services in the country, providing reliable primary care, dermatology, sexual health, nutrition, and pediatric medical services in addition to its individual, couples, and teen therapy, as well as psychiatry services. We also consulted three licensed therapists when compiling this list. So to help you find the best online therapy companies that are in-network, we evaluated over 80 companies, surveyed over 10,000 users, and tested the services ourselves. Plus, virtual therapy can also help you cut back on some secondary associated costs too, like the hours of pay you lose for taking time off work, the money you have to spend on public transportation or gas, or child care costs. The good news is that there are a growing number of quality online therapy companies that accept health insurance so you can reduce your out-of-pocket costs. And even though insurance can help reduce therapy costs significantly, it’s not always easy to find a therapist that’s in network since only as estimated 40% of therapists and 56% of psychiatrists in the U.S. Session prices can range from $100 to $200 per session on average, which is why in our Cost of Therapy Survey, half of respondents worried about whether or not they could afford long-term therapy and more than a third of respondents told us they actually did have to discontinue treatment because of financial concerns. Let’s face it: therapy-even when it’s online-can be pricey.
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