Which online therapy platforms take insurance?

Short answer: several major teletherapy services do accept insurance, but which ones take your plan depends on your insurer, employer benefits, and state. Below are platforms that commonly work with commercial insurers or employer-sponsored benefits, with a brief note on each.

Platforms that often accept insurance

• Teladoc Health (Teladoc Mental Health) — large national telehealth provider that contracts with many commercial insurers and employer plans, so it’s commonly in‑network for mental health benefits.
• Doctor On Demand (now part of Included Health / widely used telepsychiatry) — accepts many commercial insurance plans and is a common in‑network option for video therapy/psychiatry.
• Amwell — partners with health systems and insurers; frequently included in insurance networks for virtual behavioral health.
• MDLIVE — a long‑standing telehealth platform that accepts many major commercial insurers for behavioral health visits.
• Talkspace — has partnerships with some insurers and employer plans (not universally in‑network), and is often covered through employee benefits or certain insurers.
• Ginger / Headspace Health — provides mental health services through employer-sponsored benefits and insurer partnerships (more commonly via employers than direct retail billing).
• AbleTo — a specialty virtual therapy program that is often covered by commercial insurers and some Medicare Advantage plans when authorized by the insurer.
• Spring Health — primarily delivered through employer benefit programs and covered by the employer’s plan rather than retail insurance.

Platforms that usually do NOT bill insurance directly (but may offer superbills or EAP options)

• BetterHelp — generally does not bill insurance directly; it provides superbills so you can seek out‑of‑network reimbursement, and some employers/EAPs may cover it.
• Most direct-to-consumer coaching services (e.g., BetterUp) are not therapy and are not covered by insurance.

Important caveats and next steps

• “Accepts insurance” varies by insurer, plan/network, clinician credentialing, and state. A platform may be in‑network for one insurer but not another.
• Many platforms accept Medicare Advantage but not traditional Medicare; check specifically if you have Medicare.
• Steps to confirm coverage:
  1. Check the platform’s “insurance” or “billing” help page.
  2. Call the platform’s customer service and ask whether they accept your specific insurer and plan (have your member ID ready).
  3. Call your insurer/HR and ask whether the platform or specific clinicians are in‑network or whether out‑of‑network visits are reimbursable.
  4. Ask about superbills (if out‑of‑network) and whether the clinician is licensed in your state.

If you want, tell me your insurer (or employer plan) and state and I can check which of these platforms are likely to be in‑network for you and link to their insurance pages.