Does your insurance cover online therapy? Here's what we know.
Coverage is more available than most people realize — if you know where to look.
Coverage varies by plan and state. This guide reflects general platform acceptance, not individual plan verification — always confirm with your insurer.
How Coverage Works
Whether online therapy is covered depends on three things: your specific plan, your state's parity laws, and which platform your insurer has contracted with. The Mental Health Parity and Addiction Equity Act requires most insurance plans to cover mental health at the same level as physical health — but "covered" doesn't always mean "covered on this platform." Our guides break down which platforms each insurer works with, what typical copays look like, and what to ask your insurer before you start.
Insurance Coverage Guides
23 insurer guides — covering every major US health plan.
