We Tested More Than 65 Online Therapy Companies — These Are the 12 Best That Accept Health Insurance

When you’re looking for a therapist who accepts insurance, you may feel pressed to compromise on factors that are important to you, like your preferred therapy modality, therapist identity, and copay price. Grow Therapy is an online therapy company that has search features to ensure you find exactly what you’re looking for. We love how modern, inviting, and easy to navigate the website is and how many insurance plans are accepted. In total, Grow Therapy accepts 51 insurance plans, though the exact plans accepted by each provider will vary. Luckily, you can verify if your selected provider accepts your insurance when scheduling your first appointment.

We were also impressed by the diversity of the providers on the directory — you can filter your search based on the racial, cultural, and gender identity of the provider. Part of what makes this platform so easy to use is that you can find a provider, see if they accept your insurance, check their immediate availability, and book a session all within the search results. This means there is no time wasted having to call therapists only to find out they don’t accept your insurance or don’t have any appointments within the timeframe you need.

While the video platform was glitchy during the sessions we tested, our therapist managed this issue with ease by moving sessions to a private Zoom account with a reliable connection. Plus, we noticed there were a few providers on the directory who didn’t accept insurance at all. While we found that odd, there were very few, so it wasn’t a big deal. All in all, Grow Therapy is a great platform to get started with therapy quickly.

Medication management can be tricky — when you need to speak with your doctor for a medication change, chances are you don’t want to wait long. We were pleased that we were able to see a provider within just two days when we tested the service. Talkiatry matches you with a provider. While this may not be everyone’s preference, we appreciate how matching can speed up the process of getting the care you need. Plus, we enjoyed the provider we worked with and were impressed with their qualifications.

Fort Health is only available in three states, which is its greatest drawback, but it does offer expansive insurance coverage. Fort Health accepts all commercial insurance plans in New Jersey and most commercial plans in New York and Pennsylvania. The company encourages prospective clients to contact them directly to see if their plan is accepted.

In our experience, services were fantastic both for the teen and the parent. Our therapist was able to quickly connect with our teen, and Fort Health’s model encourages parent involvement by offering intermittent 30-minute sessions for the caregiver. The length of treatment Fort Health provides may be a pro or con, depending on your needs; 12 to 20 weeks is considered the normal length of treatment at the company, which isn’t long enough for folks who have more severe needs. That being said, it could be perfect for teens who respond well to solution-focused treatment.

Finding a couples therapist who accepts insurance can be quite a feat. Many insurance companies prohibit providers from getting reimbursed for couples therapy sessions, thus creating obstacles for couples seeking care. Part of what makes couples therapy tricky is that insurance companies usually provide reimbursement for one person. This means one person will need to have a diagnosis. You’ll want to consult your insurance company and therapy provider to ensure services are covered. Thank goodness for Rula: an online therapy platform that offers individual, family, and couples therapy and accepts insurance.

Plus, it is great that you can also find an individual therapist or even psychiatrist through the platform, too. Rula accepts most major plans, including ones from Aetna, Anthem, Cigna, and even Kaiser. You will need to contact Rula directly to confirm that they accept your insurance. Heads up — in the event couples therapy isn’t covered by your insurance, Rula does have cash pay rates, allowing you to still see their roster of therapists.

We had a unique experience with WellQor. Because of a natural disaster, our provider had to cancel multiple therapy sessions. Though things got off to a rocky start, the clinical director reached out to us directly to discuss the situation and get us assigned to a new clinician. This experience left us feeling supported and cared for. WellQor’s approach to client care is refreshing, especially when other companies have simply canceled therapy sessions with no notice, or worse, never showed up to appointments.

WellQor’s services are covered by most commercial insurance (including Aetna, Anthem, Cigna, and Molina) plus Medicare, and Medicare Advantage plans. You’ll need to contact the company to verify your benefits prior to beginning treatment.

We love that Innerwell prioritizes offering appointments within one week of sign-up. We also had a fantastic experience with our provider. We found our therapist to be attuned and intuitive, and she had very impressive qualifications and training.

Our biggest con for this platform is that insurance is accepted in only four states — California, Colorado, New York, and Washington. Seventeen plans are accepted in total, with each state averaging about three to five plans each. While this is disheartening, we feel so strongly about the value and uniqueness of the company’s services that we had to include it in this roundup. You’ll want to contact Innerwell’s care team to see if your insurance is accepted.

We were sold on Zocdoc immediately. It was easy to navigate, there were tons of therapists to choose from, and you could see all the important details, including schedules, without signing up. Plus, we had an excellent experience with the care we received there. We found the therapists highly qualified and offering an eclectic range of modalities.

We did notice that some providers didn’t keep their schedules up-to-date. But in the event we booked a session that actually wasn’t available, our provider reached out promptly to rectify the situation, so it didn’t end up impacting the quality of our care.

While we find plenty of benefits to online therapy platforms, we also appreciate the benefits of a therapy directory. With a directory, you’re not beholden to any one company’s policies or glitchy video platform. Instead, you get to search for therapists within your preferred criteria and peruse a range of search results that match your exact needs.

We love that Headway is a directory that works specifically with providers who take insurance. They accept more than 45 major insurance plans, including Aetna, Anthem, Cigna, Oscar, and UnitedHealthcare. While other directories might have you digging to find therapists who accept your specific insurance, you can count on Headway to make the process much easier.

Something we appreciated about Headway was its abundance of search filters. You can search for providers based on general availability, gender, ethnicity, insurance, age, language, and modalities. You can even find providers who offer in-person sessions if you decide online therapy isn’t quite your thing.

A major drawback? Headway doesn’t offer expansive customer service support — no phone number or email. While we wish there were a direct customer service contact, when we reached out to its customer support team through a contact form, we received a response within just a few hours.

In our experience with Brightside, we loved the program’s design. There are weekly 45-minute sessions, and our provider was highly skilled and easy to work with. Additionally, there are lessons between sessions that teach coping tools. Plus, we could message our therapist anytime and were prompted to track our symptoms so our provider could see how we were doing. Brightside accepts more than 20 insurance plans, including major insurers like Aetna, Anthem, Blue Shield, UnitedHealthcare, and some Medicaid and Medicare plans.

Brightside also offers a crisis care program, which sets it apart in the online therapy market. Most platforms simply refer someone who discloses suicidal thoughts during the intake process to emergency services. Instead, Brightside has a program that specifically targets suicidal thoughts, working to decrease them over time.

While we have many praises to sing about Brightside, we also understand that progress tracking can trigger a sense of inadequacy in some folks, leaving them feeling like they aren’t seeing change fast enough. Plus, the cause of anxiety can vary from person to person, and CBT may not be the best fit for all clients.

Monument accepts a number of insurance plans, including Aetna, Oscar, Cigna, and Medicare. Monument takes a holistic approach to alcohol use disorder. Offering a community membership that prioritizes building social connections, individual psychotherapy, and medication to curb alcohol cravings, we feel this is a great option for folks who are looking to decrease alcohol consumption. It’s also a great option for those who don’t feel they’re a good fit for rehab and don’t resonate with the popular 12-step recovery program.

If you’re interested in full abstinence from alcohol, rather than decreasing usage, Monument’s focus may not be your best bet. We’d recommend exploring rehabilitation programs and 12-step meetings in your area.

With this in mind, we were eager to find a service that prioritized members of marginalized communities and highlighted providers who accept insurance. Inclusive Therapists is an online therapy directory that offers tons of search filters to support people looking for a therapist they can relate to and who understands how their identity shapes their mental health. You can also search based on insurance, a feature we appreciate.

While insurance coverage will vary by provider, you can expect some major plans like Aetna, Anthem, Humana, and Molina to be accepted. In our experience with the directory, we found it to be one of the most thorough options out there. From religion and spiritual orientation to disability accessibility, there is truly a filter for nearly every need.

We did notice that some providers did not respond promptly (or at all) to new client inquiries. Other providers weren’t accepting new clients but didn’t have that noted anywhere on their profiles. This isn’t an issue exclusive to Inclusive Therapists — many directories struggle to feature therapists who keep their availability updated, but it is worth noting regardless. Because of ?the unique nature of the directory and the support it offers, we are still confident that this service is worth it, even if it takes a little bit of trial and error to find your preferred provider.

One of the biggest contenders in the online therapy market is Talkspace. Like its competitor BetterHelp, it was one of the first companies to merge tech with online therapy, with its use of an app and text message-based therapy. We like that there are various subscriptions to choose from — you can opt for a plan with just text-message therapy, video and messaging therapy, or video and messaging therapy plus unlimited access to live mental health workshops. We also like that you can add psychiatry services as needed. Unlike BetterHelp, Talkspace accepts major insurance plans like Aetna, Cigna, Optum, Carelon, and Regence.

We had a quick sign-up process and were pleased to be matched with a therapist within minutes, making this a super easy platform to get started with. Plus, if your first match isn’t the best fit, switching to a new provider quickly is simple.