Which online therapy platforms take insurance?

Short answer: many major telehealth companies will bill insurance, but coverage depends on your specific plan. Below are common platforms that accept insurance (or are commonly covered through employer plans/EAPs), with a note about why — and how to check for your plan.

Platforms that commonly accept commercial insurance

• Doctor On Demand (Included Health/Doctor on Demand): accepts many major commercial plans for mental-health visits and has a large clinician network — often a good place to look if you want to use in‑network benefits.
• Amwell: works with numerous insurers and health systems for teletherapy/telepsychiatry visits; widely used by insurance networks.
• Teladoc: a large telehealth provider that participates in many insurance networks and offers behavioral-health visits through insurer contracts.
• MDLIVE: long-standing telehealth service that bills many commercial insurers for therapy and psychiatry.

Platforms often covered through employers / EAPs

• Lyra Health: typically provided through employer benefits rather than sold directly to individuals — often fully covered if your employer uses Lyra.
• Ginger (now part of Headspace Health): commonly included in employer mental-health benefits and EAPs; offers coaching, therapy, and psychiatry via employer plans.
• Spring Health: employer-focused program frequently covered as part of workplace benefits.

Platforms with limited/no direct insurance billing

• Talkspace: historically has had some insurer and EAP partnerships, but coverage varies; they also provide superbills for out-of-network reimbursement in many cases — check your plan.
• BetterHelp: generally does NOT bill insurance directly (may provide receipts but is usually paid out-of-pocket or via HSA/FSA).

How to confirm coverage (quick steps)

1. Check the platform’s “insurance” or “billing” page — many list insurers they work with or explain superbills/EAP options.
2. Call your insurance member services and ask whether teletherapy/telepsychiatry is covered, and whether the platform/provider is in-network. Have your insurer name and plan handy.
3. If a platform isn’t in-network, ask if your plan reimburses out-of-network providers with a superbill (some do).
4. If your employer offers EAP or an employer mental-health vendor (Lyra, Ginger, Spring), contact HR or the vendor’s onboarding page to see what’s covered.

If you tell me your insurer (or whether you want an employer/EAP option vs. individual coverage), I can give more specific steps for checking or identify platforms that are likely to work with your plan.