Which online therapy platforms take insurance?

Do you mean in the United States, and are you asking about private/commercial insurance, Medicare, or Medicaid? Coverage and networks vary by plan and state — I can give a more precise answer if you tell me which insurer you have.

General info (U.S.) — platforms that commonly accept insurance

• Doctor On Demand / Included Health — offers mental-health visits and commonly contracts with major commercial insurers and some Medicare Advantage plans. Check your insurer’s provider directory.
• Amwell — provides therapy and psychiatry and is often in-network with large insurers and health systems.
• MDLIVE — telehealth vendor that accepts many commercial insurance plans (availability depends on insurer and state).
• Teladoc Health — offers behavioral-health services through partnerships and is often covered by commercial insurers and some employer plans.
• AbleTo — specializes in therapy for people with medical/behavioral comorbidities and typically bills commercial insurers and many Medicare Advantage plans.
• Headspace Health / Ginger — primarily works with employers and insurers (often available if your employer or plan has contracted them).
• Talkspace — may be covered by specific insurers or employer plans (coverage varies widely; not universally in-network).

Platforms that usually do NOT bill insurance directly

• BetterHelp — generally does not bill insurance directly; they provide superbills that you can submit to your insurer for possible out-of-network reimbursement or use FSA/HSA funds.
• Many direct-to-consumer therapy apps work via subscription rather than insurance unless you access them through an employer or insurer arrangement.

How to confirm coverage (required step)

1. Check your insurer’s online provider directory for the platform or the platform’s clinicians.
2. Call your insurance customer service (have your member ID ready) and ask whether telehealth/mental-health visits with that platform are in-network, what the copay/coinsurance is, and whether psychiatry/medication management is covered.
3. Ask the platform’s support team which insurers and plans they accept in your state and whether specific clinicians are in-network.

If you tell me your insurer (and state, if you want), I can check which of these platforms commonly accept it and what to ask when you call.