Find Out What Your
Insurance Covers.
Navigating insurance for mental health care can feel complicated. We’ve made it simpler — browse verified insurance providers below and find out what your plan may cover.
Therapy may be more affordable than you think.
Many people don’t realise that their health insurance includes mental health benefits. Under the Mental Health Parity and Addiction Equity Act, most insurance plans are required to cover mental health services at the same level as physical health services.
That means therapy may be more affordable than you think — even with insurance you’ve had for years without using it for mental health.
Your Deductible
What you pay before insurance kicks in
A deductible is the amount you pay out of pocket before your insurance starts covering services. Check your plan details to know your mental health deductible.
View government plans →Co-pay / Co-insurance
Your share for each mental health visit
A co-pay is a fixed fee per visit. Co-insurance is a percentage of the session cost. Mental health parity law means these should match your medical co-pays.
Mental health plans →Referral Required?
Some plans need a primary care referral first
Some insurance plans require a referral from your primary doctor before seeing a therapist. HMO plans often require this; PPO plans usually don’t.
Primary care plans →In-Network Providers
Check if your preferred therapist is covered
In-network providers have agreed rates with your insurer and usually cost less. Always verify your therapist is in-network before your first session.
Browse insurance plans →Telehealth Covered?
Many plans now cover virtual therapy sessions
Many insurance plans now cover online therapy at the same rate as in-person. Coverage varies by state and plan — check your benefits portal or call member services.
UnitedHealthcare & affiliates →National Insurance Links
2 providersAetna & Affiliated Plans
5 providersBlue Cross Blue Shield Providers
6 providersPrimary Doctor Insurance
6 providersGovernment & Public Plans
6 providersUnitedHealthcare & Affiliates
5 providersMental Health Focused
5 providersMore Providers
3 providersDon’t have insurance, or not sure your plan covers therapy?
Many providers on TheraConnect offer sliding scale fees based on income, and some offer sessions at reduced rates for people without coverage. When you reach out to a provider, don’t be afraid to ask about their options — most therapists want to find a way to work with you.
Browse Providers →Ready to find the right therapist?
Browse our directory of licensed, verified mental health professionals and take the first step at your own pace.
Find a Therapist →