Is BetterHelp covered by Insurance

Is BetterHelp Covered by Insurance Companies?

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Therapies are very costly. That’s why you get insured right from the beginning. Whenever therapy comes into the picture, a question arises; that how much will it cost?. Will I be able to pay for it, and can I get all the relevant mental health services via online therapy?

BetterHelp is a subscription service that provides people with access to online therapy. It allows you to talk to a psychologist, a marriage and family therapist, a clinical social worker, or a licensed professional counselor.

BetterHelp therapists have experience treating a wide range of issues, including depression, anxiety, stress, and relationships, among others. But there is a common question: “Is BetterHelp covered by insurance?” If you want to seek a straight answer, then BetterHelp is not covered by the insurance companies.

This guide will help you learn more about BetterHelp, and how you can access therapy and other mental health services with or without insurance.

About BetterHelp Costs

BetterHelp offers a subscription model where the fee for a subscription ranges between $60 to $80 every week, and it is usually billed monthly. They will charge you between $240 and $320 per month, payable via PayPal or a credit card.

This subscription allows users to: 

  • Connect with their counselor through unlimited text messaging
  • Connect with their counselor through unlimited audio messaging
  • A live weekly video session with their counselor

BetterHelp financial aid

BetterHelp offers financial aid. It will ask you to fill out a short survey about your monthly income to check your eligibility.

How to know your insurance coverage? And tips for finding therapy

If you’ve health insurance, there is a chance that your policy will cover at least some mental health services.

It is essential to note that there are vast differences in benefits provided by insurers. You will need to review your plan with cautiousness to understand better what is covered and what you will have to pay out of pocket.

How to know if your insurance plan covers therapy?

Many beneficiaries are concerned if their insurance plan covers BetterHelp or not. Or if they’ve insurance, then how to find coverage of therapy here? Below are some tips:

  • Log in to the online account of your insurance company and read about the services they offer.
  • Call your insurance provider and talk to them in detail about online therapy.
  • If you’re using therapy services through the Employee Assistance Program, then ask the Human Resource Department for in-depth details.
  • Ask a healthcare provider or a therapist if they cover their charges under your insurance network.

Keep in mind that most insurers pay for mental health services that are extremely necessary. It may require you to go through a doctor’s referral or a diagnosis before accessing the treatment. 

How can I find a therapist covered by my insurance?

Once you find out what your insurance plan covers, now it’s time to find a therapist. To find a therapist, check out the following resources:

  • Insurance plan’s list of providers
  • Referrals from healthcare professionals, friends, and family
  • Trustworthy online databases, such as American Association for Marriage and family therapy’s Therapist locator or American Psychological Association’s Psychologist Locator.
  • Local organizations, such as advocacy groups, colleges, religious groups, and nonprofits.

Common concerns related to insurance coverage

If you’re buying insurance, it is good to ask these questions over the call:

  • What are the particular health services that are covered or not covered in their insurance plan?
  • If I’m already experiencing a pre-existing mental health condition, will it be covered in the therapy?
  • Which therapy services or therapists do take mental-health-related insurance?
  • Does my insurance cover BetterHelp?
  • Ask about the cost of talk therapy.
  • If I’m prescribed some medicines, will they be covered under an insurance plan?
  • Do I need to take a referral from my primary care doctor under a health insurance plan?
  • Will it be possible to conjoin my medical insurance plans with other options such as auto insurance, mental health, etc., to receive a discount?

If you already have a pre-existing medical insurance plan, call them to find all the details mentioned above.

Some other Affordable Options for Therapy

If you do not have health insurance (or even if you do), here is what you can do to access some affordable mental healthcare:

Online Therapy

Keep in mind that online therapy isn’t for everyone, but it does have many advantages. For one, it tends to be less expensive than paying for a therapist.

Online therapy has affordable options and even has some of the best free online therapists. People consider it more convenient than visiting a therapist in person. And during the recent COVID-19 outbreak, it is a safe option for mental health support.

Apart from BetterHelp, there are also some other affordable options such as Pride Counseling, Regain, and Amwell.

Sliding Scale Therapy

Some therapy providers offer sliding scale payment options for their mental health services. It means they will charge you based on your income, usually between $70 and $175 per session. The lower your income, the lower you pay.

Be aware that you will have to provide documentation to prove your annual income.

There is no significant difference between sliding scale therapy and regular therapy. However, you might have less choice in terms of therapists and specialties available.

Ask about discounts

If you’ve found your desired therapist but can’t pay their fee, it wouldn’t hurt to ask them respectfully about the discounts. While it isn’t common for therapists to offer discounts, it is not uncommon either.

Reach out to the therapist and openly tell them that your funds are limited. You can also ask them to suggest other less-expensive options like group therapy.

Local Support Group

If your BetterHelp insurance coverage isn’t helping your budget, then look for local support groups. Most of them are free to attend and usually structured around particular issues, like depression, addiction, or chronic illness. 

By joining a local support group, you will connect with other people dealing with similar issues and challenges. Look for a local support group run by a mental health professional. Self-run groups can lack organization. That’s why you should always join a group with a moderator.

In Conclusion

You must be already aware of the fact that BetterHelp is an online, subscription-based therapy service. And it is not covered by health insurance. But as you see other multiple therapy providers in the list above, you can choose one from them.

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