Which online therapy platforms take insurance?

Short answer: several telehealth companies will bill commercial insurance (or are frequently in‑network), but coverage varies by plan and state. Below are well‑known platforms that commonly accept insurance — with a brief note on how they work — plus tips to verify coverage.

Platforms that commonly accept insurance

• Amwell (American Well) — offers therapy and psychiatry and is in‑network with many major commercial insurers and some Medicare Advantage plans through payer partnerships.
• Doctor On Demand (now part of Included Health) — widely used for therapy and psychiatry; often in‑network with major carriers (Aetna, Cigna, UnitedHealthcare, Anthem, etc.) and accepts many employer/Medicare Advantage plans.
• Teladoc Health / MDLIVE — Teladoc’s mental health services (and MDLIVE in markets where it operates) frequently bill commercial insurers and employee health plans.
• AbleTo — focused on structured therapy + coaching for anxiety/depression; often covered by commercial insurers and some Medicare Advantage plans via payer or employer partnerships.
• Local health systems’ teletherapy portals — many hospitals/health systems offer teletherapy and will bill insurance (useful if you need in‑network care).

Platforms that generally do NOT bill insurance directly (but may offer alternatives)

• BetterHelp — typically self‑pay; sometimes available through employer programs or EAPs. They can provide a superbill for possible out‑of‑network reimbursement, but they do not routinely bill insurance.
• Talkspace — historically has limited direct insurance billing. It may be available through some employer benefits or EAPs; they also can provide superbills for reimbursement depending on the plan.

How to confirm coverage (must do this before booking)

1. Check with your insurer: ask whether the specific platform/provider is in‑network and whether teletherapy visits are covered for your plan.
2. Ask the platform: before your first session, confirm they will submit claims to your insurer, whether they’re in‑network, expected copay/coinsurance, and whether they provide superbills.
3. If the platform isn’t in‑network, ask about superbills for out‑of‑network reimbursement and typical session costs.
4. If you have Medicaid or traditional Medicare, verify directly — many commercial teletherapy platforms do NOT accept Medicaid/Original Medicare, though some accept Medicare Advantage.

If you tell me your insurer and state (or whether you have employer coverage, Medicare, or Medicaid), I can help check which platforms are most likely to accept your plan and what steps to take next.