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Advice6 min read

Does betterhelp Take Insurance? Yes - Here's How

betterhelp now accepts insurance, with copays cited from around $23/session for covered members. How coverage works, what self-pay costs depend on, and how it compares to Talkspace.

Francheska Capistrano, Medical Content Reviewer

Reviewed for medical accuracy by Francheska Capistrano, RMT, MPH

Reviewed · How we review

Key takeaways

  • betterhelp now accepts insurance - a recent change most articles haven't caught up with.
  • Copays are cited from around $23/session for covered members; coverage is plan-specific.
  • Not covered? The financial-aid questionnaire and first-month discounts lower self-pay.
  • Talkspace claims a $0 copay for most insured members - run both eligibility checks.

Does betterhelp take insurance?

Yes - and if you researched this even a year ago, that answer has changed. betterhelp built its name as the platform that deliberately skipped insurance, and most articles you'll find still say it takes none. It now accepts insurance, with copays cited from around $23 per session for covered members.

That single change removes what was, for years, the biggest reason to choose a competitor. Coverage is plan-specific - the ~$23 figure is a cited starting point, not a promise - so the only answer that matters is the one betterhelp's own signup coverage check gives you for your plan.

betterhelp logo

betterhelp reviews on

Trustpilot
(9,652 reviews)
Oct 29, 2026

User friendly, pick your therapist

“It easy to navigate. User friendly. I love being able to read over each therapist and the ability to switch therapist. The first one I chose didn't click with me how I needed to be. The second one has been absolutely awesome. I'm seriously so thankful for her because she has helped me so much in my life.”

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Samantha Paschke

US

Oct 29, 2026

I have had a wonderful experience with BetterHelp

“The platform is incredibly user-friendly, easy to navigate, and makes accessing therapy so convenient. One of the things I appreciate most is how affordable it is, especially considering the quality of care and accessibility it provides. My therapist has been absolutely wonderful! She is consistently punctual, thoughtful, compassionate, and genuinely attentive during our sessions.”

K

Kayla Merideth

US

Oct 28, 2026

I love betterhelp

“As crazy as it may seem, seeking therapy or having mental issues isn't seen as normal in my family. It's almost as if my parents don't believe in it. Finally being able to get therapy and also at an affordable price has changed my life for the better. Being able to basically facetime with a therapist is really, extremely convenient. Especially for me since I travel A LOT.”

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Brielle Cameron

US

Oct 27, 2026

discontinued texting service

“I'm really disappointed that the messaging service is no longer an option. I really appreciated that I could shoot out a message to get my therapist thoughts and opinions on how to approach things during a yard year. I truly believe that this will have a huge negative impact on so many people who struggle.”

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Chad Larsen

US

Oct 27, 2026

BetterHelp made help accessible for me.

“Finding a therapist that matched my background and personality was easy, and being able to talk through my experiences and concerns has been incredibly helpful. I probably would never have sought help from a local practitioner, but being able to visit my therapist on-line is a perfect solution for me.”

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Pete Hanlin

US

Oct 24, 2026

For those who are wondering

“BetterHelp has an extensive, comprehensive questionnaire at the beginning of the process that, once completed, will offer you an array of therapists that specialise in the type of therapy you desire. Don't click with your initial therapists? No problem, as BetterHelp allows you to change therapists easily without making it an awkward situation. This is my second time using BetterHelp and both times the therapists I've been paired with have been exactly what I've needed when I've needed it.”

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R Saubole

GB

Oct 24, 2026

BetterHelp is such a blessing

“When you're depressed- the last thing you want is to get dressed and drive to a formal appointment. Many times i have done sessions in my pajamas and even in bed! I do weekly video calls with my counselor or a phone if thats better for me. There are various tools I can use to improve my mental health such as mood diary, journaling, goal setting, and group session on various topics. If you need to you can pause your subscription at any time.”

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Patricia Zimmerman

US

Oct 24, 2026

matched fast and messaging between sessions helps

“signed up for BetterHelp after my old therapist moved and they matched me within a day. the messaging is what I use most, I can drop a note midweek instead of holding it all for the appointment. had to ask for a different counselor once and that took a couple days.”

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Erika Williams

US

Oct 20, 2026

Great Therapist

“It is a great service, but you definitely need to find the right therapists for you. But I finally found the right therapist that has helped me tremendously over the past two years.”

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Gia R

US

Oct 16, 2026

BetterHelp has been great but expensive

“BetterHelp has been great. I got a wonderful therapist recently Rachael and she's challenged me in all the right ways. So glad I found her. Downside of BetterHelp is that it's very expensive. We're paying about $600 combined for my husband and myself.”

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Regina Linsley

US

Oct 2, 2026

Online counseling

“I suffer from major depressive disorder. I've done counseling off and on over the years in person. I was skeptical at first about using an app, but I was pleasantly surprised at how much I like doing my counseling online now. I can stay in my home, in my comfortable clothes and get real with my counselor. They give you choices on how often you want to talk to your counselor which helps with the budgeting.”

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Terri Murray

US

Sep 28, 2026

I'm very pleased with BetterHelp

“It's a terrific platform with great therapists at an affordable cost. I use the written platform, as it gives me time to think in the morning, and then I get my therapist's response later in the day. They also have a great customer service department. Life is short. Ask for help. You are not alone.”

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Barb

US

Sep 26, 2026

Vast variety of types of group therapies.

“This app and service has so many varieties of groups at various times of the day abd night, making it extremely convenient and they are beneficial as well. I tried 5 groups in my 1st month, and they all had something different to offer. As far as individual therapy, not as plentiful opportunities as the groups but has also been beneficial and professional.”

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Stacey Young

US

Aug 25, 2026

Affordable, Accessible Mental Health Care

“BetterHelp makes good-quality mental health care accessible and affordable. You can receive therapy online in whichever way you'd prefer, and financial aid is available. I have been using it for a few months, and it has really helped me. I have attended webinars, used wellness tools, and attended weekly therapy sessions with an excellent therapist. I highly recommend BetterHelp.”

J

Joan K.

US

Aug 18, 2026

Wonderful community

“It was very easy to get my first appointment and to find a qualified and amazing therapist. The connectivity is easy, the sessions are wonderful, my therapist is the best and has helped me tremendously, and I think that BetterHelp is definitely a wonderful place to find the help that you need when you're looking for a therapist. My therapist is in Florida and I live in Maryland and I'm so glad that I was connected with her.”

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Anonymous

US

Aug 18, 2026

BetterHelp has been a wonderful resource

“BetterHelp has been a wonderful resource for me. It has helped me through many different situations by providing support, guidance, and useful tools. The classes are excellent and have given me valuable insights and strategies to improve my well-being and handle life's challenges more effectively.”

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Donna Alexander

US

How do I use my insurance at betterhelp?

Enter your insurance details during signup and betterhelp checks your eligibility before you commit - the same flow Talkspace uses. If your plan is in, you pay a per-session copay instead of the subscription.

If it isn't, you fall back to self-pay, where the price varies by location and therapist availability - betterhelp doesn't publish one national rate, so treat any number you see in an article (including ours) as something to confirm at signup. First-month discounts for self-pay are commonly offered.

Our top-rated online therapy platforms

The same ranked cards from our full comparison - our top 3 picks.

1
Our Top Pick
betterhelp logo
9.6
Exceptional

The largest online therapy platform - subscription talk therapy with weekly live sessions and messaging in between

  • Match with a licensed therapist in as little as 2 days
  • Insurance accepted - copays from around $23/session
  • Video, phone or chat sessions, plus messaging
  • Over 6.6 million people helped

100% Online Sessions

Visit Site
2
Talkspace logo
9.1
Excellent

Online therapy and psychiatry that many major insurance plans cover

  • Most insured members pay a $0 copay (per Talkspace)
  • Therapy and psychiatry (medication management) on one platform
  • Self-pay from $69/week; psychiatry from $299
  • Rated 4.4 on Trustpilot (2,370 reviews)
Visit Site
3
headspace logo
8.8
Very Good

The mindfulness and meditation app - now also offering online therapy that accepts insurance

  • Guided meditation, sleep and stress content in one app
  • Online therapy that accepts insurance - coverage check on its site
  • HSA/FSA eligible; app subscription separate from therapy
  • 105M+ app downloads
Visit Site

What if my plan isn't covered?

Three levers, in order. First, betterhelp's financial-aid questionnaire - answer honestly about income and circumstances and the subscription price adjusts down.

Second, out-of-network reimbursement: some insurance plans repay part of self-pay therapy if you submit a superbill (an itemized receipt); one call to your insurer answers whether yours does. Third, compare covered alternatives before defaulting to self-pay anywhere - our insurance guide maps which platforms your plan is most likely to cover, and our low-cost therapy guide covers the options below every platform's price.

How does betterhelp's coverage compare to Talkspace's?

Talkspace has been insurance-first for years - many major plans plus employer EAPs - and Talkspace itself claims most insured members pay a $0 copay, against betterhelp's cited ~$23/session. If both cover you, Talkspace is usually the cheaper covered option and adds psychiatry; betterhelp counters with the larger network, 2-day matching and video/phone/chat flexibility.

Run both eligibility checks - they're free and take minutes - and let your actual copays decide. Full comparison in our betterhelp vs Talkspace battle.

The bottom line

betterhelp accepting insurance is genuinely new information - most of the internet hasn't caught up. Check your coverage at signup, use the financial-aid questionnaire if you're out of pocket, and compare against Talkspace before deciding.

Our full betterhelp review covers the rest - including the 3.9 Trustpilot record and the privacy history. In crisis, skip every signup flow: call or text 988 (US), free, 24/7.

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Sources & medical references

Treatment facts on this page are grounded in regulatory guidance and peer-reviewed research. Pricing and plan details come from each provider's published information. This content is for information only and is not medical advice - always consult a licensed clinician before starting treatment.

  1. 1.Psychotherapies - overview of evidence-based approaches - National Institute of Mental Health (NIMH), NIH
  2. 2.Understanding psychotherapy and how it works - American Psychological Association (APA)
  3. 3.Depression - symptoms, treatments and evidence - National Institute of Mental Health (NIMH), NIH
  4. 4.Anxiety disorders - symptoms, treatments and evidence - National Institute of Mental Health (NIMH), NIH
  5. 5.988 Suicide & Crisis Lifeline (call or text 988, free, 24/7) - Substance Abuse and Mental Health Services Administration
  6. 6.SAMHSA National Helpline (free, confidential, 24/7 treatment referral) - Substance Abuse and Mental Health Services Administration