Which online therapy platforms take insurance?

Short answer: Several major teletherapy/telehealth companies either bill insurance directly or work through employer/insurer networks — but coverage varies a lot by your plan, state, and whether you need therapy vs. psychiatric medication. Below are platforms that commonly accept insurance (with a short note on how they do it):

• Lyra Health — an employer-based mental health benefit that’s paid through your employer’s plan; covered if your employer offers Lyra.
• Ginger / Headspace Health — offers coaching/therapy through employer and insurer partnerships; often covered when your employer or health plan has contracted with them.
• Spring Health — employer-sponsored mental-health benefit; covered when included in your employer’s benefits.
• AbleTo — behavioral health programs that are commonly covered by commercial insurers and some Medicare Advantage plans.
• Doctor On Demand (now part of Included Health) — accepts many commercial insurance plans and employer benefits for video therapy/psychiatry in many states.
• Amwell — telehealth platform that contracts with many major insurers for teletherapy/telepsychiatry.
• MDLIVE — provides teletherapy and often accepts major commercial insurers (varies by plan/state).
• Talkspace — has established in-network agreements with some insurers and employer plans in certain regions; also provides superbills for out-of-network reimbursement and accepts HSA/FSA payment.
• SonderMind — in-network with many commercial plans (e.g., Aetna, UnitedHealthcare, Cigna) in states where it operates; check network status by state/provider.
• AbleTo (repeat avoided) — included above.

Note: BetterHelp generally does NOT bill insurance directly; it offers superbills and HSA/FSA payment so you can seek out-of-network reimbursement.

How to confirm coverage (recommended steps)

1. Check the platform’s “insurance” or “pricing” page for the insurance partners they list.
2. Call your insurance member services and ask whether the platform (or the network the platform uses, e.g., Lyra, SonderMind) is in-network for your plan and whether teletherapy/telepsychiatry is covered. Have your member ID handy.
3. If the platform isn’t in-network, ask whether you can get a superbill for out-of-network reimbursement.
4. Verify whether psychiatry (medication management) is covered the same as therapy — sometimes coverage and copays differ.

If you want, tell me your insurer (and whether you have employer coverage) and I can help you check which of these platforms is likely covered for your plan.