Which online therapy platforms take insurance?

Short answer: yes — several major teletherapy/telehealth companies accept insurance, though which insurers and plan types they take varies. Here are well-known options and why they’re worth checking:

• Amwell — large telehealth network with in‑network behavioral health options for many commercial plans.
• Teladoc / MDLive (Teladoc Health) — national telehealth provider that accepts many commercial and employer plans for mental health visits.
• Doctor On Demand (Included Health) — widely used by employers and health plans; often in‑network with many commercial insurers and some Medicare Advantage plans.
• AbleTo — structured teletherapy programs (CBT-style) commonly covered by commercial insurers and Medicare Advantage for eligible members.
• Talkspace — increasingly available in‑network through some insurers and employer plans; if not in‑network most clinicians provide superbills for out‑of‑network reimbursement.
• Spring Health — employer‑focused mental health benefit that’s covered when offered through your employer or health plan.
• Lyra Health — employer/plan-centered network; covered when your employer offers Lyra as a benefit.
• Ginger / Headspace Health — primarily provided through employers and some health plans (check whether your employer/plan participates).
• Talkiatry — online psychiatry/medication management that accepts many commercial insurance plans.
• Zocdoc — not a therapy service itself but a booking/search tool that lets you filter teletherapists who accept your specific insurance.

Important tips to confirm coverage

• Check the platform’s “insurance” or “billing” page and enter your insurer/plan.
• Call your insurer and ask whether the platform (or the specific provider) is in‑network. Ask about copays, deductibles, and whether telehealth mental health visits are covered.
• If a platform or clinician is out‑of‑network, ask whether they provide a superbill you can submit for partial reimbursement.
• If your employer offers an Employee Assistance Program (EAP) or a vendor like Lyra/Ginger/Spring, those sessions may be free or low‑cost to you.
• Consider HSA/FSA payment for platforms that don’t bill insurance.

If you want, tell me your insurer (and whether you have employer coverage) or the platform you’re interested in and I can help check typical coverage options and what to ask.