The best insurance online treatment

company Price without insurance Average out-of-pocket expenses of survey respondents Treatment communication options Star rating
Best overall

US$29 per month, including in-network insurance; US$259-325 per month, excluding insurance USD 209 Real-time video, telephone, text 4.4
Best for anxiety

Conversation space
USD 260-400 per month 150 USD Real-time video, audio, chat, unlimited messages 4.2
Best for depression

Doctor on demand
Starting at $129 per session 223 USD Live video 3.8
Best for psychiatry

Remote document
A one-time charge starts at $49 per user; treatment visits are $0-$99 63.50 USD Real-time video and audio 3.8
Best for flexible scheduling

Starting at US$109 per session; starting at US$279 for psychiatry courses 208 USD Real-time video and audio 3.9
Best for addiction (alcohol)

10-249 USD per month USD 257 Real-time video, chat messages, online forums and support groups 3.8
Best for New Yorkers

Depends on insurance 279 USD Live video, face-to-face at the flagship office in New York 4
Easy arrangement of bets

$108 per session; $284 for the first psychiatric appointment; $108 for follow-up psychiatric meetings 149 USD Real-time video, audio 3.6

Guide to choosing the best insurance online treatment

Why is online treatment beneficial?

Good mental health is the key to helping us determine how to deal with stress, get along with others, and make choices. When we feel like we are struggling, online therapy is a convenient, safe and affordable way to seek mental health and support because it can help you solve and treat mental, behavioral and emotional problems. It is also very convenient, allowing you to see the provider in the comfort of your home, and many companies offer on-site meeting times in the evenings and weekends.

Is online therapy effective?

Studies have shown time and time again that online therapy is effective. A meta-analysis study of clinical interventions through remote treatment and face-to-face in February 2021 showed that both produced similar treatment effects.

The Department of Veterans Affairs has also conducted a number of experiments comparing PTSD interventions provided in person with video conferencing, and found that the two methods are equally effective in most cases. Systematic reviews have shown that remote psychological interventions provided through video and telephone are effective for depression, anxiety, post-traumatic stress disorder and adjustment disorders. Studies have also shown that the use of telepsychology to solve problems such as drug abuse and eating disorders among adolescents and children is effective.

The convenience of online therapy itself can also help relieve some people’s stress, especially since the number of people working from home increases in 2020. “[Online therapy] It is a godsend for many customers-it makes it possible for customers to continue to receive support during times of extreme stress while living in the comfort and safety of their own home,” Andrea Dingdinger said in San Francisco. “They can Squeeze into a meeting between back-to-back Zoom meetings without having to schedule commute time to and from the office in time. ”

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In addition, some customers speak more freely and openly in the comfort of their homes (or other remote locations) and within the distance provided by the screen.

If you have insurance, is online treatment right for you?

Access to online treatment has become more important than ever. In many cases, online treatment offers greater flexibility and better accessibility than face-to-face appointments. Fortunately, more and more commercial insurance companies are increasingly supporting the increasing popularity of online treatments.

If you have health insurance and it covers online treatment (check with your provider to confirm which services are covered), the course may be more affordable for you. However, it is important to note that online treatment coverage also depends on your specific insurance plan, online treatment platform or specific therapist you choose, as well as the regulations of your state.

Compare online treatment and insurance

When choosing an online treatment service with insurance, it is important to consider the following factors:

  • Cost: Even if you know that your chosen online treatment platform accepts insurance, please consult your health plan provider before booking or scheduling your first consultation. Confirm which types of meetings or visits are covered by your particular plan. Coverage may vary depending on your location, the therapist you choose, or the services they provide.
  • Treatment methods and platforms: Research online treatment services to learn about available communication methods and your favorite communication methods. Some services provide messaging and real-time chat instead of audio and video, and some services only provide real-time video conferencing.
  • Medication management: If you are dealing with mental health issues such as anxiety and depression, determine whether the online treatment company you are considering provides prescription medication management services.
  • Treatment conditions: Some online treatment platforms provide treatments for various mental health conditions, such as anxiety, depression, or stress. Some focus on specific situations, such as alcohol use disorder or drug abuse, or focus on serving specific communities, such as LGBTQIA+.

It is also important to consider whether you can choose your own therapist — or whether the algorithm chooses it for you based on the intake questionnaire — and whether it is easy to change therapists if you don’t like the people you meet.

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“When you are looking for a therapist to work with you or your family, I think the three most important factors are connection, availability and cost,” Dingdinger said. “Through connection, you will find a sense of safety and understanding after the first conversation with an online therapist, and you really like the therapist and feel connected with them. Secondly, usability usually eliminates not-so-good connections You want to work with a therapist, and you can easily match their schedules. Finally, you want to work with someone you can afford to meet once a week for as long as you need.”

Use insurance to schedule your online treatment course

Before you schedule your first online treatment course, please determine if the provider you are considering offers a free trial or consultation. Some companies also charge an initial consulting fee or a one-time membership fee.

To avoid possible technical issues, please check your internet connection in advance or make sure your audio and microphone are working properly.

It is also important to schedule a one-hour treatment session so that you can fully use your time and emotional space for treatment. Dindinger said: “Clients are distracted during meetings because Slack messages or emails will roll in during their meetings, and they must obey the discipline of turning off all notifications.” “Sometimes, if spouses, roommates and children are always at home , It is difficult to obtain complete privacy.”

How do I know if my insurance is accepted by the online treatment provider?

To find out whether online treatment providers accept your insurance, check their website or call their customer service number. The websites of most online treatment platforms will display a list of insurance plans they accept. Some will even provide forms that you can use and submit so that they can check your coverage for you.

You can also contact your insurance company to check whether your plan covers online treatments and determine how much you may copay for a particular service. Your insurance company may also provide you with a list of therapists who provide online services.

Some employers also cooperate with some online treatment providers. Contact your human resources or welfare department to check if your company has an online treatment partner.

Frequently asked questions

What types of online treatments are covered by insurance?

Most insurance companies cover “medically necessary” treatments. Due to the “Affordable Care Act” and the “Mental Health Equality and Addiction Equity Act”, as long as there is a diagnosis, the definition of “medically necessary” treatment includes personal treatment (for adults and adolescents). This is why most online treatment companies accept insurance if the treatment they provide is for personal talk treatment, psychiatric treatment, addiction treatment, or treatment for a diagnosed mental health condition (such as depression, generalized anxiety disorder, etc.) Drug management.

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However, many insurance companies do not cover couples treatment, family treatment or group treatment, because these are usually not considered “medically necessary.” However, some plans provide couples or family therapy as an added benefit, so be sure to check with your provider.

Why don’t all online treatment companies accept insurance?

Insurance coverage for online therapy or telepsychology is a complex issue because the patient’s status or location, online therapy provider, diagnosis, and specific treatment plan all affect what is covered. These complex factors and considerations will affect the ability of online treatment companies to receive insurance.

However, in the face of COVID-19, some states have relaxed licensing requirements so that practitioners with out-of-state licenses can provide online or telemedicine services to patients in different states. Therefore, it is important to check and verify the coverage with your insurance company again.

What is the cost of online treatment with insurance?

The range of online treatment courses ranges from $0 to $200, depending on your insurance plan, state, treatment plan, and online treatment company or therapist. If your employer or insurance company provides telemedicine benefits, patients usually only need to pay a copayment or co-insurance.


Our approach to evaluating online treatment companies is comprehensive and data-driven. In order to review the best online treatment procedures fairly and accurately, we sent a questionnaire to 33 companies and surveyed 100 current users of each company. This allows us to directly compare the services offered by collecting qualitative and quantitative data about each company and its user experience.

Specifically, we evaluated each company’s website availability, registration process, subscription products, customer privacy protection, and the ease of changing therapists. Then, we looked at the qualifications of the therapists, the types of treatments that provide the quality of care, the communication options between the visitor and the therapist, the length of the session, and the therapist assignment process. Finally, we checked the cost, value for money, whether the company bought insurance, overall user satisfaction, and the likelihood of customers recommending them.