In recent times, online therapy has gained popularity as a convenient and accessible way to seek mental health support. With advancements in technology and increased demand for remote services, numerous online therapy platforms have emerged. However, finding a reputable online therapy service that accepts insurance can be a challenge.

Best Online Therapy that Takes Insurance as of 2023

Online Therapy Overview

Prior to 2020, the idea of visiting a therapist online might have seemed like a strange concept. But today, online therapy outlets are increasingly being used to help therapists address a spike in mental health care needs. According to the American Psychological Association, psychologists saw 84 percent more patients with anxiety defects and 72 percent more patients with depressive defects in October 2021 than they did before the Covid pandemic — with most psychologists treating patients virtually.

Although there are a lot of online therapy apps to help address this need, none of them will be of any use if you can’t afford to pay for them. If you’re searching for the best online therapy that takes insurance, here are the top platforms.

Best Online Therapy that Takes Insurance

If you’re searching for the best online therapy that takes insurance in 2023, ensuring that you can receive the mental health care you need without financial barriers, here are the top platforms.

1. BetterHelp

BetterHelp is a leading online therapy platform that connects users with licensed therapists through a secure online platform. They accept insurance from several major providers, making therapy more affordable for many individuals. BetterHelp offers a wide range of therapeutic modalities, including cognitive-behavioral therapy (CBT), dialectical behavior therapy (DBT), and mindfulness-based approaches. Their user-friendly interface and flexible scheduling options make it convenient for individuals to receive therapy from the comfort of their homes.

2. Talkspace

This is another popular online therapy platform that accepts insurance. They offer unlimited messaging therapy plans, allowing users to communicate with their therapist via text, audio, and video messages. Talkspace matches individuals with licensed therapists based on their specific needs and preferences. They also provide specialized services, such as couples therapy and therapy for teens. By accepting insurance, Talkspace helps make therapy more affordable and accessible for a broader range of individuals.

3. Amwell

Amwell is a comprehensive telehealth platform that includes online therapy services. They have a network of licensed therapists who specialize in various areas, including anxiety, depression, relationship issues, and more. Amwell’s therapy services are covered by many insurance providers, making it a cost-effective option for those seeking mental health support. The platform offers secure video sessions and a user-friendly interface, allowing individuals to connect with their therapists conveniently and confidentially.

4. MDLive

This outfit is a telehealth platform that offers online therapy services as part of their comprehensive healthcare offerings. They provide access to licensed therapists who can address a wide range of mental health concerns. MDLive accepts insurance from numerous providers, ensuring that individuals can utilize their health insurance benefits to cover therapy sessions. With its user-friendly app and flexible scheduling options, MDLive makes it convenient for individuals to connect with a therapist and receive the support they need.

Pros and Cons of Online Therapy


  • Easier to fit into your plan than in-person appointments
  • Ability to write to your therapist about issues as they come up with some providers instead of waiting for weekly sessions
  • No demand to travel


  • May not obtain instant responses from a provider, unless sessions are live
  • Most only serve people aged 18 and older
  • Not consistently covered by insurance
  • Requires individuals to be comfortable talking in a digital or video layout

Closing Remarks

Access to affordable mental health care is crucial, and online therapy services that accept insurance provide a solution to this challenge. Platforms such as BetterHelp, Talkspace, Amwell, and MDLive offer accessible and convenient therapy options for individuals seeking mental health support. By accepting insurance, these platforms make therapy more affordable and reduce financial barriers to accessing care.

It’s important to note that insurance coverage for online therapy may vary depending on your specific insurance plan. Before starting therapy, it’s recommended to contact your insurance provider to understand your coverage and any potential out-of-pocket expenses.

If you’re considering online therapy, explore these platforms and consult with your insurance provider to determine which services are covered. Remember, seeking therapy is a valuable step towards improving your mental well-being, and with the right online therapy service that accepts insurance, you can prioritize your mental health without breaking the bank.