How To Find Online Therapy That Takes Insurance in 2023

Before recently, you could use your health insurance for face-to-face counseling but not for online services. That has drastically changed in the last year.

People have used telehealth services in greater numbers than ever before during the COVID-19 outbreak

You can view doctors, therapists, and other healthcare experts online from the comfort of your own home using telehealth. While telehealth technology has been around for a while, the epidemic has highlighted how important it is to have access to online care.

Because of this shift, new care platforms have emerged, and a good number of insurance companies have covered the service.

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What Is Therapy?

A therapy, often known as a medical treatment, is an attempt in order to treat a health problem after there has been a medical diagnosis.

Every therapy, on the whole, includes indications and contraindications. There are many sorts of therapy available. Some therapies are more effective than others. Many treatments can have unfavorable side effects.

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What Is Online Therapy?

According to Dr. Tracy W. Lowenthal, a registered clinical psychologist in California, “online therapy offers an opportunity to meet with your therapist online, using a HIPAA compliant platform.”

It’s also known as telemental healthcare, and it’s typically done using a messaging app, video chat, or even the phone.

Marilyn Denovish, a multimodal therapist, claims that “online therapy can be as successful, if not more effective, than traditional face-to-face services” because it is available via an internet connection and a device.

This is because talking to a therapist from the comfort of their own home may make it simpler for them to open up.

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Do Online Therapy Providers Take Insurance?

A great number of online therapy providers accept insurance. Individual therapy clinics and major platforms that specialize in online services, such as Talkspace or Better Help, offer online counseling.

Although not all online venues accept insurance, the majority do. Many therapists who do online sessions accept insurance as well.

If you have insurance, you should be able to find an online therapist who accepts your coverage. However, the amount of coverage you have for internet treatment is determined by your insurance plan, the therapist you choose, and state rules.

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How Can I Find Out Whether An Online Mental Health Professional Takes My Insurance?

Start by visiting the website of the mental health expert you want to work with. Most internet platforms will have a link to see which insurance firms they operate with.

You might even use a form to check your insurance coverage for you. To see if you’re protected, all you have to do is submit the name of your plan, your name, and your policy number.

On their websites, many providers will show the insurance plans they accept. However, calling the office of any therapist you’re considering is usually a smart idea. They’ll be able to tell you if your insurance plan covers internet therapy.

Another alternative is to contact your insurance company first. The firm can tell you if you have insurance coverage for online therapy and how much you’ll have to pay in copayments or coinsurance. They can also lead you toward in-network therapists.

Some insurers even collaborate with specific therapy platforms. If that’s the case, a customer service representative from your insurance provider will advise you on how to access the platform.

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What Are The Advantages And Disadvantages Of Online Therapy?


  • You can schedule an appointment from the convenience of your own home or workplace.
  • They do not require you to drive or arrange transportation to an appointment.
  • Evenings and weekends are popular times to see a therapist.
  • You may usually get an appointment within a few days.


  • To use the service, you’ll need a robust internet connection.
  • Videos might stutter or lag, making therapy a tough experience.
  • Online counseling might feel impersonal, and therapists may miss nonverbal cues.
  • If you don’t live alone, it’s difficult to communicate in privacy.

Do Online Therapy Providers Take Medicaid Or Medicare?

Medicare and Medicaid, like commercial insurance companies, have boosted their coverage for internet therapy during the pandemic.

For all Medicare enrollees, internet therapy is now covered. Medicare Advantage Plans also cover online treatment.

For Medicaid, your eligibility is determined by your state. During the COVID-19 pandemic, however, there were significant expansions. Almost every state now allows Medicaid recipients to seek internet treatment.

Most online platforms and providers will specify whether they accept Medicare or Medicaid. If you’re unsure, you can contact the provider.

Someone at the office should be able to assist you if you’re considering employing a private therapist or practicing. Customer care professionals can address your inquiries if you’re considering a larger therapy platform.

What Insurance Companies Provide Online Therapy?

There are various companies that offer internet counseling. Your needs and insurance coverage will determine which firms are ideal for you.

The following are some insurance companies that provide online therapy:


You can text your therapist during the day using Talkspace. Live video therapy sessions are also available. There are services for therapy and psychiatry available.


You can talk to a therapist online or over the phone using MDLIVE. The platform will assist you in finding the best therapist for your needs. This platform also allows you to see a psychiatrist.


With Amwell, you can see a therapist or psychiatrist online. They have educated providers in telemedicine therapy, and the company offers video visits.

Doctors on Demand

When you use Doctors on-demand, you’ll begin with an examination to be paired with a therapist or psychiatrist who can assist you. This tool allows you to schedule an online video appointment seven days a week.


Teladoc allows you to schedule a video or phone session with the therapist of your choice. The program will ask you questions in order to connect you with the most appropriate therapist. A psychiatrist is also an option.

What Are Tips For Finding Online Therapy Or A Therapist Who Offers Online Therapy?

It’s critical to select a therapist with whom you feel at ease. For internet services, this can be much more difficult. Here are some pointers to assist you in finding an excellent provider:

Consider the initial cost.

Some services will offer A free trial or initial appointment. Before you commit to sessions, this might help you make sure you’re choosing the correct therapist and program.

Recognize how payment works.

They may request your copayment or coinsurance before your sessions or in monthly installments. Other services may bill you at a later date.

To minimize surprises, be sure you understand how you’ll be billed.

Examine the procedure for selecting a therapist.

Different platforms will assist you in finding a therapist in different ways. You might speak with and interview a therapist before your first visit, for example.

Look for therapists who are familiar with your situation.

In some circumstances, speaking with a therapist of a comparable race, gender, age, or background to you might be beneficial.

Many platforms will show this information upfront and allow you to filter out therapists who don’t fit your criteria.

Check the credentials of the therapist.

Make sure you’re speaking with professional and certified therapists.

Look up the location of the therapist.

It’s comforting to know that you can meet with your therapist in person if necessary. If this is important to you, look for local online therapists.

Inquire about the various service providers accessible.

Not all therapists can provide the same level of care. If you require medicine besides treatment, you will require the services of a psychiatrist.

Check to see if the platform and provider can provide you with the help you require.

What Are You To Expect During Online Therapy?

Your online therapy sessions will function in the same way as a face-to-face therapy session. In a video chat, you’ll be linked to your provider. Normally, you may accomplish this online or with a smartphone app.

As soon as the session starts, you’ll be able to speak with your therapist. They’ll ask you questions and assist you in managing your mental health in the same way that they would in person.

Some services allow you to speak with your therapist over the phone rather than via video calls. In many circumstances, this is even more convenient.

You can also send messages to your provider during the day if you’re using Talkspace. Monday through Friday, you’ll get a response once or twice a day. This is a terrific method to keep track of your mental health while on the go.

It’s critical to be in a private setting when having an internet therapy session. Because your therapist will be in an office, they will protect your privacy just as it would be during a face-to-face consultation. Your location can have a significant impact on your privacy.

You don’t need to do anything else if you’re at home throughout your session and live alone. It’s a good idea to go into a bedroom or another location where you can close a door if you live with others.

You should go somewhere private if your treatment appointment is at work or at another public venue. Use headphones and choose a room with a door for your session.

If you can’t find privacy in your house or office, you have a few more possibilities. You may sit in your car during your appointment if you possess one, as long as you are not driving.

Other Alternatives

Another alternative is to have your session while walking or being outside. If you can find a quiet spot, this might be a terrific way to get some fresh air while also getting some therapy.

You can plan your next appointment after your session. You may request additional visits whenever you need them on some platforms.

Remember that you can change therapists if a session doesn’t go well or you don’t feel comfortable with your current one. By simply scheduling an appointment with a different therapist, most platforms allow you to transfer therapists.

What Are Some Issues People Encounter With Online Therapy?

They are:

You must be 18 or older: It is not available to anybody under the age of 18 for legal reasons, as far as I know. If this relates to you, look into it before signing up.

It’s a different pace: Responses are “asynchronous,” which means your therapist responds as soon as they’re able to – think of it as a hybrid of email and instant messaging. This will take some getting accustomed to for those who prefer instant pleasure. This should not be your primary support system if you’re in a crisis.

There is nobody language: If you are someone who is a little more reserved and needs a therapist who can “read” you, this can be a barrier. This can also be challenging if you have trouble interpreting emotion and tone through words. (Video calls and audio recordings are still available, so don’t be afraid to switch things up if you’re having trouble with the text-only format!)

You must (literally) spell things out: If you don’t tell your therapist directly, they won’t know if something isn’t working (they can’t see if you’re uncomfortable, bored, or annoyed, for example), so be prepared to advocate for yourself if you aren’t getting what you need.

What Are The Benefits Of Online Therapy?

Accessibility. Online counseling is accessible to everyone with an internet connection.

Efficiency in terms of time. They eliminate travel time between visits or support group meetings with online therapy and counseling. You can also adjust it to fit your schedule and avoid having to call in ill to make it to your appointment.

Cost-effectiveness. Online counseling is often less expensive than in-person therapy, and most health insurance plans pay at least a portion of the cost.

Geographical restrictions are no longer an issue. If your ideal therapist lives in another state or nation, you can still see them if they’re licensed in the state where you live.

Comfort. When you’re in the privacy and comfort of your own home, some people may find it easier to open up to a therapist.

Safety. Telehealth eliminates the risk of potential exposure in the ongoing COVID-19 outbreak.

What Are The Best Free And Affordable Online Therapy Services with Insurance?

  • eTherapyPro – Best for text therapy
  • 7 Cups – Best for teens
  • Doctor on Demand – Best for depression support
  • ReGain – Best for couples
  • Therapy Aid – Best for families
  • Best for peer support: iPrevail
  • Best for those with a busy schedule: Bliss by the Centre of Interactive Mental Health Solutions

Frequently Asked Questions (FAQs)

Yes. There are a few alternatives for free online therapy.

Online counseling will assist everyone who is prepared to listen, focus, and is dedicated to improving their mental health. According to studies which were conducted by Trusted Source, persons suffering from depression, post-traumatic stress disorder, as well as other substance abuse disorders are qualified to benefit from internet counseling. Someone with a mental health illness that requires quick attention, such as schizophrenia or psychosis, may require immediate, face-to-face intervention. For a person with schizophrenia, online treatment may not be effective because it can intensify the feeling of being watched surreptitiously.

Certainly not. Although online counseling can be beneficial in some cases, it is not appropriate for all mental health issues.

The same rules of ethics, regulations (federal and state), and professional standards apply to telehealth and teletherapy as they do to in-person treatment. Maintaining confidentiality and securely keeping electronic patient records are among these responsibilities

Yes. Online treatment, according to studies, can be just as successful as in-person counseling in many circumstances.


Taking care of your mental health doesn’t have to be difficult or costly.

There are quite a good number of free online counseling platforms which may assist you in finding support groups or certified therapists who can educate you on how to handle anxiety, depression, post-traumatic stress disorder, as well as other mental health issues.


  • – How to Find Online Therapy That Takes Your Insurance

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