How will you pay for therapy?
How you pay decides which services can see you. Pick one and we'll show you where to start.
Your match shows up here
Pick how you'll pay. We'll show the online therapy service that takes it, or where to start if none does.
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You chose: With health insurance
Start with Rula
Online therapy that bills your insurance, in network with 120+ plans including Aetna, Anthem, Blue Cross Blue Shield, Cigna and UnitedHealthcare.
- Rula says its patients pay an average of $15 a session with insurance.
- You can get a cost estimate from Rula before you book.
- Therapy and medication management are both available.
What happens next: Tell Rula about your plan and what you need, pick a therapist, and book. Visits can start as soon as tomorrow.
Find a therapist on RulaWant a Black therapist specifically? Search our directory of self-identified Black clinicians.
You chose: With Medicare
Start with Rula
Online therapy that takes Original Medicare and Medicare Advantage plans.
- Rula checks your coverage and gives you a cost estimate before your first appointment.
- With Original Medicare you pay 20% of the approved amount after your Part B deductible.
- Therapy and medication management are both available.
What happens next: Tell Rula about your plan and what you need, pick a therapist, and book. Visits can start as soon as tomorrow.
Find a therapist on RulaWant a Black therapist specifically? Search our directory of self-identified Black clinicians.
You chose: With Medicaid
Where to start with Medicaid
Our online therapy partners don't take Medicaid on its own, so start here instead.
- Call your plan Use the member services number on your Medicaid card. Ask for therapists in your plan who offer video visits.
- Visit a community health center Federal law requires them to work with your state's Medicaid program. Ask whether they offer counseling on site. Find a community health center
- Check your state's program See what your state's Medicaid program covers and how to reach it. Medicaid by state
Have Medicare too? Rula takes it, and your Medicaid may cover your share of the cost. See the Medicare option.
You chose: I'll pay myself
Start with BetterHelp
Online therapy by message, chat, audio or video.
- 20% off your first month is applied automatically.
- You can ask for a Black therapist when you sign up. It's a preference, not a guarantee.
- Over 5 million people helped.
What happens next: Answer a short questionnaire and BetterHelp matches you with a therapist.
Get started, 20% offBetterHelp therapists don't prescribe medication. Compare services that can.
Want the full picture first? Compare every online therapy service we've reviewed.