Online Therapy That Takes Insurance

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Written By Sarah Thompson
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Online Therapy That Takes Insurance

Welcome to the world of online therapy, where professional support is just a click away. In this blog post, we will delve into the realm of online therapy services and explore the significance of having insurance coverage for your mental health needs. So, grab a cup of tea, sit back, and let’s embark on this enlightening journey into best online therapy services together.

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Online Therapy Service

Online therapy services have revolutionized the way individuals can access mental health support and treatment. By leveraging digital platforms, these services offer a convenient and flexible way to engage in therapy from the comfort of your own space. Whether you’re dealing with stress, anxiety, depression, relationship issues, or other mental health concerns, online therapy services provide a range of benefits to support your well-being.

Online Therapy  Service

Here’s what you can expect from online therapy services:

  1. Convenience and Accessibility: Online therapy services eliminate the need for in-person visits, allowing you to attend therapy sessions from anywhere with an internet connection. This accessibility breaks down geographical barriers and provides convenient options for those with busy schedules or limited mobility.

  2. Flexible Scheduling: Online therapy services understand the importance of flexibility. They offer various appointment slots to accommodate different time zones, work schedules, and personal commitments. This flexibility ensures that you can fit therapy into your life without disrupting your routine.

  3. Secure and Confidential Communication: Online therapy platforms prioritize the security and confidentiality of your therapy sessions. They utilize encryption and other security measures to protect your privacy, ensuring that your conversations remain confidential and safe.

  4. Diverse Therapist Pool: Online therapy services often have a diverse pool of licensed therapists with different specializations and backgrounds. This allows you to find a therapist who best aligns with your needs and preferences, ensuring a personalized and effective therapy experience.

  5. Evidence-Based Approaches: Just like traditional in-person therapy, online therapy services employ evidence-based approaches to address mental health concerns. Therapists utilize techniques such as cognitive-behavioral therapy (CBT), mindfulness, and other validated modalities to help you navigate your challenges and achieve your therapeutic goals.

  6. Supportive Tools and Resources: Many online therapy services provide additional resources and tools to complement your therapy journey. These can include worksheets, guided meditations, self-help materials, and interactive exercises to support your progress between therapy sessions.

  7. Insurance Coverage: Online therapy services often work with insurance providers to offer coverage for therapy sessions. They collaborate with major insurance companies to facilitate seamless billing and reimbursement processes, making therapy more affordable and accessible.

With online therapy services, you can receive the support you need in a convenient and effective manner. From the comfort of your own space, you can engage your own therapist in an online therapy session that empowers you to overcome challenges, improve your mental well-being, and live a more fulfilling life.

Online Therapy

Importance of Insurance Coverage

Insurance coverage isn’t just for physical health concerns—it extends to mental health care as well. The significance of having insurance coverage for online therapy cannot be overstated. It provides financial support, easing the burden of therapy costs and making it more accessible to individuals from all walks of life.

Insurance coverage for online therapy ensures that you can prioritize your mental well-being without worrying about the financial strain. It allows you to seek the help you need, when you need it, without compromising on quality or quantity of sessions. Having insurance covers online therapy coverage empowers you to take control of your mental health journey, knowing that you have the support of your insurance provider.

Types of Online Therapy That Accept Insurance

When it comes to online therapy options for parents, children, and families, insurance coverage can play a significant role in making mental health care more accessible. While coverage varies among insurance companies, they may help cover the costs of the following therapy options:

1. Individual Psychotherapy Sessions: Most virtual therapy platforms offer individual psychotherapy sessions with licensed mental health providers. This type of treatment is commonly provided when signing up a child for therapy. During these sessions, clinicians aim to build rapport and create a safe space for clients to express their feelings and experiences without judgment, shame, or bias. Parents will need to provide consent for their child’s treatment, and insurance may cover a portion or the entirety of individual therapy sessions.

2. Family Therapy: Family therapy focuses on improving communication within families, resolving conflicts, and addressing behavior patterns, among other interventions. Coverage for family therapy may vary depending on your health plan, but insurance companies may help lower the cost of these sessions.

3. Group Therapy: Group therapy involves mental health support within a small group setting. Typically, group therapy is covered by insurance plans, providing an accessible option for individuals seeking additional support.

However, insurance coverage may not typically extend to the following therapy types:

1. Couples Counseling: Couples counseling involves partners working through conflicts together with the assistance of a neutral, unbiased third party. This type of counseling is typically solution-focused and often concludes once the couple has achieved their goals. Couples counseling may not be covered by insurance plans.

2. Support Groups: Support groups offer individuals a safe space to discuss their struggles, and they are often free or available at a low cost. However, support groups are typically not covered by insurance plans.

3. Psychiatry: Psychiatrists are mental health clinicians with medical degrees who can prescribe and manage medication. Due to issues with reimbursement, many psychiatrists do not accept insurance or not partner with private insurers. It is recommended to consult with your psychiatrist directly to confirm coverage for psychiatry services.

online therapy

Online Therapy Provider Landscape

Are you ready to explore the diverse landscape of online therapy providers? In this section, we will take a closer look at the world of online therapy and the various players involved. From understanding the key features and benefits to discovering popular online therapy platforms, let’s dive into this fascinating realm together.

Overview of Online Therapy Providers

Online therapy has experienced tremendous growth in recent years, and as a result, numerous providers have emerged to meet the increasing demand for virtual mental health services. These providers are dedicated to offering convenient and accessible therapy options to individuals seeking support from the comfort of their own homes.

Online therapy providers employ licensed therapists who specialize in a wide range of therapeutic approaches. These professionals are passionate about helping individuals navigate their mental health challenges and improve their overall well-being. The providers typically offer flexible appointment scheduling, ensuring that you can find a time that suits your busy lifestyle.

Online Therapy

Key Features and Benefits of Online Therapy Services

One of the standout features of the best online therapy services is the convenience they offer. No longer do you have to travel to a physical location or disrupt your daily routine to attend therapy sessions. With the best online therapy services, you can connect with your therapist through secure video conferencing platforms, making therapy accessible regardless of your geographical location.

In addition to convenience, online therapy services often provide a range of benefits. These include:

  1. Privacy and Confidentiality: Online therapy ensures that your sessions remain private and confidential. You can engage in therapy from the comfort and privacy of your own space, allowing for a more open and comfortable experience.

  2. Accessibility: Online therapy eliminates geographical barriers, making it accessible to individuals in remote areas or those with mobility limitations. You can access therapy wherever you have an internet connection, expanding your options for finding the right therapist.

  3. Flexibility: Online therapy offers flexibility in terms of scheduling and session duration. Many providers offer extended hours and weekend availability, allowing you to fit therapy into your busy schedule with ease.

Online Therapy

How Online Therapy Companies Operate?

Online therapy companies operate on the principle of connecting individuals in need of therapy with licensed professionals through secure digital platforms. Here’s a glimpse into their operations:

  1. Therapist Vetting and Qualifications: Online therapy companies maintain rigorous standards when selecting therapists for their platforms. They carefully vet therapists to ensure they possess the necessary qualifications, credentials, and licenses to practice therapy effectively. These companies prioritize the well-being of their users by partnering with highly skilled and experienced professionals.

  2. Client Assessment and Matching: When you sign up with an online therapy company, they typically conduct an initial assessment to understand your unique needs and preferences. This assessment may involve questions about your mental health concerns, therapy goals, and communication preferences. Based on this information, the company’s algorithms and matching processes strive to pair you with a therapist who is well-suited to address your specific needs.

  3. Secure Communication Platforms: Online therapy companies provide secure digital platforms that facilitate therapy sessions between clients and therapists. These platforms utilize encryption and other security measures to protect the privacy and confidentiality of your conversations. You can engage in therapy from the comfort of your own space, knowing that your sessions remain safe and confidential.

  4. Scheduling and Appointment Management: Online therapy companies offer convenient scheduling options to ensure flexibility and accommodate your availability. Their user-friendly interfaces allow you to book therapy sessions at a time that suits your schedule. Additionally, these platforms often provide reminders and notifications to help you stay organized and keep track of your appointments.

  5. Billing, Payments, and Insurance: To streamline the administrative aspects of therapy, online therapy companies handle billing and payments. They may offer different pricing plans and payment options to suit your preferences. Moreover, many of these companies collaborate with insurance providers, enabling you to use your insurance coverage for online therapy sessions. They often facilitate the submission of insurance claims and provide the necessary documentation to simplify the reimbursement process.

  6. Quality Assurance and Support: Online therapy companies prioritize the quality of their services. They may have internal quality assurance teams that monitor the effectiveness and professionalism of their therapists. Additionally, these companies typically offer customer support channels to address any questions, concerns, or technical issues that may arise during your therapy journey.

Online Therapy

Understanding Health Insurance and Mental Health Coverage

Health insurance serves as a protective shield, providing financial assistance for medical expenses, including mental health services. It recognizes the importance of mental well-being and aims to make mental health care more accessible and affordable. Here’s a closer look at health insurance and its role in covering mental health care:

1. Health Insurance and Mental Health Parity: In recent years, there has been a growing recognition of the need for mental health parity, which means that health insurance plans must treat mental health services on par with physical health services. This ensures that individuals have equal access to mental health care without discrimination or disparity.

2. Mental Health Coverage under Health Insurance Plans: Many health insurance plans now include coverage for mental health services, including therapy. This coverage can extend to various forms of therapy, such as individual therapy, group therapy, and even online therapy. It aims to provide individuals with the support they need to address their mental health concerns effectively.

3. Coverage Limitations and Terms: It’s important to note that health insurance coverage for mental health care may come with certain limitations and terms. These can include annual visit limits, specific network providers, pre-authorization requirements, and copayments or deductibles. Understanding these terms is crucial to make informed decisions regarding your mental health care.

4. In-Network and Out-of-Network Providers: Health insurance plans often have a network of preferred providers. In-network providers have agreements with the insurance company, which can result in lower out-of-pocket costs for individuals. Some insurance plans may also offer coverage for out-of-network providers, although the coverage amount may be different.

5. Utilizing Health Insurance for Online Therapy: With the rise of online therapy, many health insurance plans now extend coverage to these virtual services. This means that you can utilize your insurance benefits to access therapy through online platforms. However, it’s important to check with your insurance provider to ensure that online therapy that takes insurance is covered and understand any specific requirements or limitations.

online therapy

Exploring the Benefits of Online Therapy with Insurance

A. Convenient and Flexible Therapy Sessions

One of the significant advantages of online therapy, supported by insurance, is the convenience and flexibility it offers. Say goodbye to commuting to appointments or adjusting your schedule to accommodate therapy sessions. With online therapy with insurance, you can connect with your therapist from the comfort of your own home, office, or any private space that suits you. Whether you’re a busy professional, a stay-at-home parent, or have mobility constraints, online therapy with insurance also provides you with the flexibility to fit therapy into your life seamlessly.

B. Cost Savings and Reimbursement Options

Insurance coverage for online therapy can lead to significant cost savings. Instead of paying out-of-pocket for each therapy session, insurance can help reduce the financial burden. Depending on your insurance plan, you may only be responsible for copayments or a portion of the therapy cost. This financial support can make therapy more accessible and allow you to prioritize your mental well-being without worrying about the costs involved.

Additionally, many online therapy platforms offer reimbursement options. They provide the necessary documentation and support to help you submit insurance claims for your therapy sessions. This streamlines the process and ensures that you can seek reimbursement for covered services.

C. Availability of Licensed Therapists and Mental Health Professionals

Online therapy, backed by insurance coverage, opens up a vast network of licensed therapists and licensed mental health counselors and professionals. With a wide range of professionals to choose from, you have the opportunity to find a therapist who specializes in your specific needs. The availability of licensed professionals ensures that you receive expert guidance and support throughout your therapy journey. You can rest assured knowing that your therapist meets the necessary qualifications and adheres to ethical standards of practice.

Online therapy

D. Additional Services: Medication Management and Psychiatry

In some cases, mental health treatment may require additional services beyond therapy sessions. With online therapy and insurance coverage, you may have access to additional services such as, therapy medication management, and psychiatry. This comprehensive approach allows you to receive holistic care, with therapy, and therapy medication management, and psychiatric support, all within the convenience of the online platform. Having these additional services readily available can enhance the effectiveness of your mental health treatment.

Factors to Consider When Selecting an Online Therapy Provider

When choosing an online therapy provider or online therapy that takes insurance and accepts your insurance, several factors should be taken into consideration:

  1. Insurance Coverage: Ensure that the online therapy provider you choose accepts your specific insurance plan. Review their website or contact their customer support to confirm that they are in-network with your insurance provider.

  2. Therapist Qualifications: Research the qualifications and credentials of the therapists affiliated with the online therapy provider. Look for licensed professionals with expertise in the areas that align with your therapy needs.

  3. Therapy Specializations: Consider the specific therapeutic modalities and specializations offered by the provider. Ensure that they can address your unique concerns and provide the type of therapy that best suits your needs.

  4. Platform Features: Evaluate the features offered by the online therapy platform. Consider factors such as ease of use, secure communication tools, appointment scheduling, and other features that enhance your therapy experience.

Reviews and Ratings of Online Therapy Platforms

Reviews and ratings provide valuable insights into the quality and effectiveness of online therapy platforms. Explore reviews on reputable websites and platforms dedicated to mental health services. Pay attention to both positive and negative feedback to gain a balanced perspective. Keep in mind that personal experiences may vary, so use reviews as a guide rather than the sole determining factor.

Online Therapy and Mental Health Care

In this section, we’ll delve deeper into the world of online therapy and its impact on mental health treatment. We’ll explore how online therapy addresses common mental health conditions and the important role that therapy and psychiatry play in overall mental health care. Let’s dive in and discover the transformative power of online therapy in promoting mental well-being.

A. The Impact of Online Therapy on Mental Health Treatment

Online therapy has revolutionized the field of mental health treatment, offering numerous benefits that can positively impact individuals’ well-being. Here are some ways online therapy has made a significant impact:

  1. Accessibility: Online therapy breaks down barriers to access mental health care. It eliminates geographical limitations, making therapy available to individuals in remote areas or those with mobility constraints. Moreover, online therapy offers flexible scheduling options, accommodating busy lifestyles and making therapy more accessible to a wider range of people.

  2. Convenience and Comfort: By providing therapy sessions through digital platforms, online therapy offers convenience and comfort. Individuals can engage in therapy from the privacy and comfort of their own homes, creating a safe and familiar environment that enhances the therapeutic process.

  3. Continuity of Care: Online therapy promotes continuity of care, allowing individuals to maintain their therapeutic progress even during challenging times. It eliminates interruptions due to travel, relocation, or other circumstances, ensuring that individuals can consistently receive the support they need.

  4. Reduced Stigma: For some individuals, the stigma associated with seeking therapy can be a barrier to receiving help. Online therapy provides a discreet and confidential platform, reducing the perceived stigma and encouraging individuals to seek the support they need without hesitation.

B. Addressing Common Mental Health Conditions through Online Therapy

Online therapy has proven effective in addressing a wide range of common mental health conditions. Whether you’re dealing with anxiety, depression, stress, or other challenges, online therapy can provide valuable support. Here are some ways online therapy can help address common mental health conditions:

  1. Anxiety and Depression: Online therapy offers evidence-based techniques such as cognitive-behavioral therapy (CBT) to help individuals manage symptoms of anxiety and depression. Through virtual sessions, therapists can guide individuals in developing coping strategies and changing negative thought patterns.

  2. Stress Management: Online therapy equips individuals with effective stress management tools and techniques. Therapists can provide guidance on relaxation techniques, mindfulness exercises, and stress-reduction strategies to help individuals better manage and navigate stressful situations.

  3. Relationship Issues: Online therapy offers a supportive environment for individuals experiencing relationship difficulties. Through virtual couples therapy or individual sessions, therapists can provide guidance, improve communication skills, and help individuals navigate relationship challenges.

  4. Trauma and PTSD: Online therapy can be a valuable resource for individuals dealing with trauma and post-traumatic stress disorder (PTSD). Therapists trained in trauma-focused therapies can provide support, help process traumatic experiences, and guide individuals towards healing and recovery.

Online therapy

Best Online Therapy That Takes Insurance – Quick Reviews

Most Comprehensive: Talkspace

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual therapy, teen therapy, couples counseling, psychiatry, and medication management

  • Target Audience: Ages 13+

Why Talkspace Excels:

Talkspace stands out as a leading online therapy platform, offering a comprehensive range of therapy services. With its broad acceptance of insurance plans, Talkspace makes therapy accessible and convenient for individuals and families. Their user-friendly interface and flexible communication methods ensure that mental health support is readily available.

Talkspace

Platform Overview:

Talkspace has revolutionized therapy by making it accessible for even the busiest families. Their HIPAA-compliant app and various communication methods enable parents to connect with licensed providers conveniently. Accepting many insurance plans, Talkspace offers tiered subscription models, making it an affordable choice for families seeking mental health care.

Accepted Insurance Plans:

Talkspace accepts a wide range of insurance plans. During the signup process, individuals can easily check their insurance coverage by entering their member ID or employer name. While Medicaid and Medicare are currently not accepted, Talkspace allows clients to use flexible spending accounts (FSAs) or health savings accounts (HSAs) to pay for therapy services. Talkspace partners with numerous employers, employee assistance programs, and major health insurance providers, including:

  • Premera

  • Cigna

  • Blue Cross Blue Shield

  • Aetna

  • Optum

  • Gatercare

Best Psychiatry/Medication Management: Talkiatry

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Psychiatry, Medication Management

  • Target Audience: Individuals in need of specialised psychiatric care

Why Talkiatry Excels:

Talkiatry stands out as a leading provider of psychiatric care, offering exceptional services to individuals seeking specialised treatment. Their acceptance of insurance plans ensures accessibility and affordability, making high-quality mental health care readily available.

Platform Overview:

Talkiatry is dedicated to redefining the field of psychiatric care. With a focus on psychiatry and medication management, they provide specialized treatment for a wide range of mental health conditions. By accepting insurance plans, Talkiatry ensures that individuals can access the care they need without financial barriers. Their team of experienced psychiatrists offers comprehensive evaluations, precise diagnoses, and evidence-based treatment plans, guiding individuals towards improved mental well-being.

Accepted Insurance Plans:

Talkiatry is in-network with most major insurance providers, reinforcing their commitment to accessible mental health care. By partnering with prominent insurers, Talkiatry strives to provide individuals with comprehensive coverage for their psychiatric and medication management services. To determine your eligibility, simply visit Talkiatry’s website and navigate to the insurance tab, where you can enter your provider and plan name. Benefit from Talkiatry’s collaboration with insurance companies such as:

  • United Healthcare

  • Aetna

  • Cigna

  • Humana

  • Blue Cross Blue Shield

  • Optum

With Talkiatry’s dedication to accepting insurance, individuals can receive specialized psychiatric care without financial stress, ensuring they have the support they need on their mental health journey.

Online Therapy

Best for Flexible Scheduling: Wellnite

Key Features:

  • Insurance Accepted: Yes, PPO plans only

  • Types of Therapy: Psychiatry, Medication Management, Individual Therapy

  • Target Audience: Ages 13+

Why Wellnite Excels:

Wellnite stands out as a leading provider of mental health care, offering flexible scheduling options that cater to the needs of busy individuals and families. Their affordable subscription plans, combined with select insurance coverage, make Wellnite a budget-friendly choice for quality mental health care.

Platform Overview:

Wellnite operates in 40 states, providing psychiatry, medication management, and individual therapy services to adults and children aged 13 and above through a subscription-based model. Their team of licensed therapists, psychiatrists, and medical doctors have been delivering virtual treatment for anxiety and depression since the company’s inception in 2019.

Wellnite appeals to busy parents who may have limited free time while caring for younger children. The platform offers flexible appointment options outside of traditional business hours, including early mornings, late evenings, and weekends. Additionally, same-day appointments are available for more urgent needs. Therapy sessions can be conducted through a secure video platform or phone calls, with session lengths ranging from 30 to 60 minutes. Wellnite includes the cost of non-controlled substances in its plans for users requiring medication as part of their treatment. Furthermore, all users gain access to a private online community, fostering peer support.

Wellnite

Accepted Insurance Plans:

Wellnite accepts PPO insurance plans from most major insurance plans and providers, including:

  • Blue Cross Blue Shield

  • United Healthcare

  • Aetna

  • Optum, and more

Upon signing up for treatment online, individuals will schedule an onboarding call to select a therapist. This is an opportune time to check the coverage provided by your health plan. Wellnite recommends keeping your insurance card handy during the call to discuss coverage with the onboarding specialist. While coverage varies based on individual health plans, Wellnite advises that insurers may cover anywhere from 10% to 100% of the service costs.

Best for Family Therapy: Thriveworks

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual, Children’s and Family Therapy, Psychiatry, Addiction Counseling, Group Therapy

  • Target Audience: Ages vary by state

Why Thriveworks Excels:

Thriveworks is the top choice for families seeking family therapy due to its extensive partnerships with most major insurers and its commitment to providing flexible and convenient options. Thriveworks understands the unique dynamics of family relationships and aims to support families in their journey towards improved communication, boundary-setting, coping skills, and overall well-being.

Thriveworks

Platform Overview:

Established in 2008, Thriveworks is a reputable provider of mental health services administration individual, couples therapy, children’s, and family therapy. They also offer psychiatry and addiction counseling services, although age eligibility may vary depending on location. Thriveworks provides both in-person and virtual appointments during typical business hours, as well as evenings and weekends, ensuring flexibility for families. With availability in 45 states and partnerships with most major insurance providers, Thriveworks strives to make quality mental health care accessible to families in need.

Thriveworks takes pride in employing only the top 4% of clinicians, including clinical social workers, professional counselors, marriage and family therapists, psychologists, and psychiatrists. Their team is dedicated to helping families improve communication, establish healthy boundaries, address behavioural issues, enhance coping skills, and reduce stress and conflict. Virtual appointments at Thriveworks typically run for 50 minutes and can be conducted via phone or a secure video call that complies with HIPAA regulations. While clients cannot specifically search for therapists based on race or identity, 85% of surveyed users expressed satisfaction with the diversity of clinicians at Thriveworks.

Accepted Insurance Plans:

Thriveworks accepts a wide range of insurance plans, although coverage may vary depending on location. To confirm eligibility, individuals can select their local Thriveworks office to access a comprehensive list of insurance plans accepted by each clinician. Thriveworks partners with major providers, including:

  • Blue Cross Blue Shield

  • Anthem

  • Optum

  • United Healthcare

  • Cigna

  • Humana, and more

Please note that coverage for family therapy varies by insurance plan, and it is advisable to check with your specific insurance provider to determine the extent of coverage offered. Thriveworks’ commitment to partnering with most major insurers aims to facilitate access to quality family therapy services for individuals and families seeking support.

Best for Alcohol Use Disorder: Monument

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual Therapy, Medication Management, Peer Support

  • Target Audience: Ages 18+

Why Monument Excels:

Monument excels in providing specialized treatment for alcohol use disorder. While its services cater exclusively to adults, the platform offers parent-friendly perks such as therapist-moderated support groups for caregivers and flexible scheduling options on nights and weekends. Monument understands the unique challenges faced by individuals and families affected by alcohol use disorder and strives to provide comprehensive support to help them on their recovery journey.

Platform Overview:

Monument is a virtual rehab program dedicated to the treatment of alcohol use disorder in adults. Recognizing that alcohol use disorder impacts not only individuals but also their families, Monument places emphasis on supporting caregivers and loved ones. Research indicates that partners and children of individuals with alcohol or substance use disorders are at higher risk of mental and physical health problems. Monument addresses this by providing caregiver-tailored support, flexible scheduling options, and a holistic, evidence-based approach to treatment.

Established in 2019, Monument prioritizes accessibility, affordability, and convenience for individuals seeking treatment. The platform offers individual therapy, medication management, and peer support through secure and HIPAA-compliant video conferencing and chat-based messaging. Monument boasts a network of licensed therapists who specialize in alcohol use disorder treatment. Medication management is available as an optional service, with the platform’s medical doctors able to prescribe FDA-approved medications for alcohol use disorder treatment.

One standout feature of Monument is its free therapist-moderated peer support groups. These groups are accessible to anyone and meet regularly, often on a weekly or biweekly basis. Participants have the option to join anonymously. Among the various support groups, Monument offers specific ones tailored to parenting, sobriety challenges, and addressing relationship dynamics while managing drinking. For individuals who may be unsure about committing to a full therapy program, these free peer support groups provide an excellent starting point.

Monument’s blog is also a valuable resource, offering articles that delve into topics such as the impact of a parent’s drinking on a child, navigating “Wine Mom” culture without alcohol, and the life lessons learned from being a sober parent.

Accepted Insurance Plans:

Insurance coverage for the treatment of alcohol use disorder varies depending on the insurer. Monument conducts a coverage check during the sign-up process to confirm eligibility. The platform partners with major health insurance providers, including:

  • Aetna

  • Anthem

  • Optum

  • United Healthcare

  • Blue Cross Blue Shield

  • Cigna

  • Medicare

For individuals who are out-of-network with Monument, there is a self-pay option available, and payment through flexible spending accounts (FSAs) or health savings accounts (HSAs) is also accepted.

Best for Depression and Anxiety: Brightside

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual Therapy, Psychiatry, Medication Management

  • Target Audience: Age 18+

Why Brightside Excels:

Brightside specializes in providing comprehensive treatment for anxiety and depression, two conditions that affect parents at higher rates than the general population. With a wide network of clinicians, the company offers affordable therapy and medication management services across all states in the country. Brightside understands the unique challenges faced by parents dealing with anxiety and depression and strives to provide effective and accessible support.

Brightside

Platform Overview:

Brightside recognizes the specific needs of parents and guardians struggling with anxiety or depression. The COVID-19 pandemic has further highlighted the prevalence of these conditions among parents, with increased anxiety reported by 34% and increased depression reported by 28% of parents. These mental health challenges can have a significant impact on families as a whole. Brightside aims to address these concerns by partnering with licensed therapists, psychiatrists, psychiatric nurse practitioners, and physicians to offer individual therapy, psychiatry, and medication management services for adults.

Operating in every state across the U.S., Brightside strives to make its services accessible and affordable. While the company collaborates with most major insurance plans and carriers, it also offers self-payment options. Brightside’s self-paced program focuses on self-care and is available to all users free of charge, serving as a complementary tool to treatment plans. The platform’s flexibility allows individuals to engage in therapy and self-care at their convenience. Medication management is available as an optional component, with providers prescribing non-addictive medications such as SSRIs or SNRIs. However, controlled substances like Xanax or Klonopin are not prescribed by Brightside.

Accepted Insurance Plans:

Brightside partners with insurance carriers nationwide and also accepts insurance coverage from companies such as:

  • Cigna

  • Aetna

  • Optum

  • United Healthcare

  • Anthem CA

  • Allegiance

During the sign-up process, Brightside verifies eligibility and coverage details specific to the individual’s health plan. Once the deductible is met, eligible insurance covers all fees, excluding co-pays, co-insurance, and prescription costs. Clients also have the option to use their flexible spending account (FSA) or health savings account (HSA) card to pay for services.

Brightside is committed to empowering parents in their journey towards better mental health by providing specialized care, flexibility, and affordability.

Best for LGBTQIA+ Affirming Care: Teladoc

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual and Couples Therapy, Psychiatry, and Medication Management

  • Who it Serves: Therapy for ages 13 and up; Psychiatry for ages 18 and up

Why Teladoc Excels: Teladoc, the pioneer of telemedicine, has built a reputation as a leading, telehealth services platform. With a vast network of board-certified physicians, therapists, and psychiatrists, Teladoc excels in providing LGBTQIA+ affirming care. The company prioritizes diversity and inclusion, intentionally curating a clinician list that reflects the diverse needs of its clientele.

Platform Overview:

Research indicates that LGBTQIA+ youth face higher rates of depression, suicidal ideation, and substance use compared to their heterosexual counterparts. Additionally, they often experience housing insecurity and other challenges. Teladoc recognizes the urgent need for supportive care tailored to the LGBTQIA+ community, particularly for parents seeking mental health services for their children. Teladoc has shown a strong commitment to providing affirming and empathetic care to help families support their LGBTQIA+ kids.

As a pioneer in telemedicine, Teladoc offers mental health care services across all states in the United States. The company’s extensive network of therapists and psychiatrists caters to individuals of all ages. Teladoc’s teen counseling program specifically focuses on supporting adolescents aged 13 and above, with a diverse and inclusive network of providers.

In a survey of Teladoc users, nearly half of the respondents described their therapists as understanding and open-minded, while 80% reported that their provider met most or all of their needs. Thirteen percent of users noted that Teladoc providers demonstrated greater competence in delivering culturally sensitive care to LGBTQIA+ clients compared to their previous therapists.

Teladoc offers both mental health and general medical care. Their mental health services encompass a wide range of conditions, including anxiety, depression, mood swings, PTSD, and relationship conflicts. Sessions are conducted either through phone calls or video chats.

Accepted Insurance Plans:

Teladoc is in-network with 60 major insurance plans and providers, including Medicare and Medicaid. In our survey, 82% of Teladoc users reported that their insurance plans partially covered their therapy fees. To determine your coverage, Teladoc requires you to create an account and initiate the sign-up process. Some of Teladoc’s insurance partners include:

  • Aetna

  • United Healthcare

  • Blue Cross Blue Shield

  • Humana

Teladoc’s commitment to LGBTQIA+ affirming care, combined with its extensive insurance network, positions it as a trusted and accessible platform for individuals seeking mental health support within the LGBTQIA+ community.

Best for Postpartum Depression: LifeStance Health

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual, Couples, Group, and Family Therapy; Psychiatry and Medication Management

  • Target Audience: Ages 2+

Why LifeStance Excels:

LifeStance Health stands out by accepting most commercial insurance plans and offering flexible therapy options to accommodate the needs of new parents. With a comprehensive range of services that includes therapy for children, teenagers, and families, LifeStance Health becomes an ideal choice for the entire family.

Platform Overview:

Effective treatment of postpartum depression is crucial for the healthy development of both parents and children. Numerous studies have highlighted the negative impact of postpartum depression on the bond between mothers and infants, leading to potential cognitive and behavioral impairments in children. LifeStance Health recognizes this importance and collaborates with an extensive network of licensed clinicians, including psychologists, other mental health professionals, counselors, marriage and family therapists, social workers, and psychiatrists, to provide comprehensive care for conditions such as postpartum depression, anxiety, ADHD, and obsessive-compulsive disorder.

LifeStance Health offers a flexible approach to therapy, allowing new parents to customize their treatment by choosing between virtual and in-person talk therapy sessions based on their preferences and circumstances. For those who require medication as part of their treatment plan, LifeStance Health provides psychiatry and medication management alongside talk therapy. Additionally, LifeStance Health extends its services beyond postpartum depression, offering therapy for children, couples, and families, making it a convenient one-stop destination for comprehensive mental health support.

While scheduling the initial appointment is straightforward through the company’s website, subsequent visits are scheduled directly with individual therapists. LifeStance Health operates in 32 states and serves clients as young as 2 years old. The frequency of therapy sessions is determined collaboratively between clients and their clinicians, and off-hours messaging options are available for addressing any questions or concerns that may arise between sessions.

Accepted Insurance Plans:

LifeStance Health partners with a majority of commercial insurance plans, emphasizing that mental health treatments, including therapy, are typically covered by these carriers. On the insurance company itself’s billing page, a state-specific list of insurance company partners is provided. Some of the insurance providers accepted by LifeStance Health include:

  • Aetna

  • United Healthcare

  • Blue Cross Blue Shield

  • Kaiser

  • Humana

  • Medicare, and more

Unlike virtual therapy platforms like Brightside or Monument, LifeStance Health does not directly confirm insurance coverage. To determine your eligibility and coverage details, it is recommended to contact your insurance provider directly for clarification.

LifeStance Health prioritizes the mental well-being of new parents by offering tailored treatment options, accepting insurance plans, and catering to the needs of the entire family.

Best for Comprehensive Care: Pathlight Behavioral Health

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual, Group, and Family Therapy; Psychiatry and Medication Management

  • Target Audience: Ages 12+

Why Pathlight Excels:

Pathlight Behavioral Health stands out by offering intensive virtual at-home treatment for anxiety, mood disorders, and eating disorders, alongside its residential services. With a strong focus on providing extensive support for families, Pathlight Behavioral Health is in-network with most insurance providers, ensuring accessible comprehensive care.

Pathlight

Platform Overview:

Pathlight Behavioral Health provides two intensive virtual at-home outpatient programs through its Mood & Anxiety Center and Eating Recovery Center. While eligibility is dependent on location, Pathlight’s virtual treatment options mirror the comprehensive, evidence-based approach provided at their physical facilities. Pathlight primarily caters to individuals aged 12 and above who may benefit from a higher level of support than conventional therapy offers.

Pathlight’s programs prioritize family involvement and community support. Clients participate in a cohort of 6-8 individuals throughout the program, attending three group therapy sessions led by licensed clinicians each week. Additionally, they engage in weekly individual or family therapy sessions and support group meetings. The Mood & Anxiety Center, staffed with licensed therapists and psychiatrists, focuses on treating conditions such as anxiety, depression, mood disorders, OCD, PTSD, and trauma. The Eating Recovery Center, consisting of licensed therapists, physicians, and registered dietitians, specializes in the treatment of eating disorders like bulimia, anorexia, binge eating disorders, and compulsive overeating.

Accepted Insurance Plans:

Pathlight Behavioral Health is in-network with all major insurance carriers, excluding Medicare and Medicaid. Some of the accepted insurance providers include:

  • Aetna

  • Cigna

  • United Healthcare

  • Blue Cross Blue Shield

  • Kaiser

  • Humana

To determine your coverage and benefits, Pathlight’s insurance verification experts will contact your insurance carrier on your behalf. In our survey, over half of the respondents reported being able to use their insurance to assist in covering the cost of treatment at Pathlight.

Pathlight Behavioral Health is committed to transforming lives through their comprehensive treatment approach, encompassing virtual at-home programs and family support.

Best for Ages 10 and Up: Amwell

Key Features:

  • Insurance Accepted: Yes

  • Types of Therapy: Individual, Couples, and Child Therapy, Psychiatry, and Medication Management

  • Who it Serves: Ages 10 and up

Why Amwell Excels:

Amwell stands out as the top choice for parents seeking mental health support for their older kids. With partnerships with nearly all major insurance providers, streamlined sharing of session notes with primary care physicians, and therapy available for children as young as 10, Amwell offers comprehensive mental health care.

Platform Overview:

Amwell boasts a robust network of clinicians who are trained to address the behavioral and emotional needs of children starting from the age of 10. Since its establishment in 2006, Amwell has been delivering reliable online physical and mental healthcare. Parents seeking therapeutic support for their older children can find comprehensive treatment for a range of childhood challenges, including anxiety, ADHD, depression, eating disorders, and school-related issues.

While scheduling therapy sessions for adults is easily done online, parents seeking support for their children will need to call and provide consent for treatment before scheduling appointments. The sessions take place via secure video chat or phone calls, and Amwell offers the option to share session notes directly with your child’s pediatrician. Each therapy session lasts for 45 minutes. Parents collaborate with their child’s provider to determine the appropriate number and type of therapy sessions, with Amwell noting that most clients typically attend around six therapy sessions.

Accepted Insurance Plans:

Amwell stands out by accepting 126 insurance plans, the highest among all the online therapy services evaluated. The platform has partnered with numerous major insurance providers, extending coverage to virtual urgent care visits with physicians. Amwell emphasizes that many insurers have expanded their coverage to include therapy and psychiatry visits as well. To ascertain which Amwell services are covered by an individual health plan, it is recommended to directly contact insurance providers.

Some of the insurance companies that Amwell partners with include:

  • Aetna

  • Anthem

  • UnitedHealthCare

  • Beacon Health

Amwell’s wide acceptance of insurance plans, coupled with its comprehensive mental health care for children aged 10 and above, makes it the ideal platform for parents seeking reliable and accessible mental health support for their older kids.

Online therapy

FAQs: Online Therapy That Takes Insurance

Q: Is online therapy effective?

A: Yes, online therapy has been found to be effective in treating various mental health conditions. Numerous studies have shown positive outcomes and patient satisfaction with online therapy.

Q: Does online therapy work for bipolar disorder?

A: Yes, online therapy has been shown to be effective in helping individuals with their mental health concerns. It provides accessible and convenient support, allowing people to receive therapy from the comfort of their own homes.

Q: Does insurance cover online therapy?

A: Many insurance plans now offer coverage for online therapy services. It is recommended to check with your insurance provider to understand the specific details of your coverage.

Q: Can Talkspace diagnose?

A: Talkspace therapists can provide diagnostic assessments and evaluations as part of their therapy sessions. However, it is important to note that online therapists cannot provide in-person physical examinations or laboratory tests.

Q: What about online therapy that takes takes insurance?

A: Various online therapy platforms accept insurance, including Talkspace, BetterHelp, and Amwell. It is important to check with individual platforms and your insurance provider for specific coverage details.

Q: Is online therapy worthwhile?

A: Yes, online therapy can be highly beneficial and worthwhile. It offers convenience, accessibility, and flexibility, allowing individuals to receive support for their mental health needs.

Q: Why is therapy so expensive?

A: Therapy costs can vary depending on factors such as the licensed therapist* qualifications, experience, location, and specialized treatment approaches. Additionally, therapy involves the licensed therapist*’s time, expertise, and ongoing professional development.

Q: What are the three types of therapy that takes you?

A: The three main types of therapy are individual therapy (one-on-one sessions with a therapist), group therapy (sessions involving multiple participants), and family therapy (involving the whole family unit).

Q: How do I choose a virtual therapist?

A: When choosing a virtual therapist, consider factors such as their qualifications, experience, therapy approach, specialties, and availability. It is also helpful to read online therapist profiles, reviews, and consider compatibility with your needs.

Q: Are online therapy sessions secure?

A: Yes, reputable online therapy platforms prioritize client confidentiality and employ secure, encrypted communication channels to ensure the privacy and security of therapy sessions.

Final Words:

Online therapy has become an increasingly popular and accessible option for individuals seeking mental health support. With a wide range of platforms and providers available, individuals can access therapy conveniently from their own homes, making it easier to prioritize their well-being. The effectiveness of online therapy has been well-documented, with studies showing positive outcomes and high patient satisfaction. Furthermore, many insurance plans now cover online therapy services, making it more affordable for individuals to seek the support they need.

Throughout this blog post, we have explored various online therapy options, highlighting the key features, strengths, and insurance coverage of each platform. From Talkspace to Brightside, Teladoc to Amwell, and many others, there are diverse choices to cater to different needs, whether it be flexible scheduling, LGBTQIA+ affirming care, or comprehensive treatment.

It is important to note that online therapy is not a one-size-fits-all solution, and individuals should consider their specific requirements and preferences when selecting a platform or provider. Factors such as therapy types, accepted insurance plans, and the expertise of clinicians should be taken into account. Additionally, the FAQs addressed common concerns about the cost, effectiveness, and security of online therapy.

Overall, online therapy offers a convenient and effective means of receiving mental health support, providing a valuable alternative to traditional in-person therapy. As technology continues to advance and more individuals recognize the importance of prioritizing their mental well-being, online therapy is likely to play an increasingly prominent role in the future of mental healthcare.