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Does Insurance Cover Online Therapy?

I wish there was a straightforward answer for how to get insurance coverage for online therapy; however, every insurance plan has unique criteria for what types of mental health services they will cover. The fastest way to learn about your insurance coverage options for online therapy is to call your insurance provider (the phone number is typically on the back of your insurance card) and ask them about the mental health services they will cover. If you aren't sure what to ask, you can use the questions listed at the bottom of our pricing page.

What You May Not Know About Insurance Coverage

When therapists accept insurance as payment, they are under contract with the insurance company, meaning they have to follow specific rules and regulations set by the insurance provider. Sometimes, these requirements may not fully align with a therapist's approach to providing you with individualized care. Let's break down some of the most common regulations insurance companies enforce:

  1. Diagnosis Requirements: To accept insurance, therapists must provide clients with a formal mental health diagnosis that becomes part of their health records. For some people, having this diagnosis on their record is a concern and a reason they prefer to keep insurance out of the therapy process.

  2. Session Limitations: Insurance companies often regulate the number of sessions a client can attend while receiving coverage. This can limit the duration and depth of the therapeutic process.

  3. Privacy Concerns: Insurance companies typically require therapists to submit session summaries. These become part of a client's health records, which some people prefer to avoid for privacy reasons.

  4. Coverage Limitations: Many insurance companies do not provide coverage for couples counseling, which can be a roadblock for those seeking this form of therapy.

These constraints not only impact the way therapists are able to provide treatment, but also take a toll on their resources. Insurance companies claim many therapists' fees and require additional paperwork. This situation can limit a therapist's time and financial resources to provide the best services possible to their clients.

Alternative Ways of Paying for Online Therapy

Because of the limitations outlined above, many therapists choose not to accept insurance as a form of payment; however, there are several alternative options that you might consider for paying for online therapy.

Getting Reimbursed through Insurance

First off, let's talk about reimbursement. While our practice doesn't bill insurance companies directly, that doesn't mean your insurance is completely out of the picture. After you pay for your therapy sessions, we can provide what's called a "superbill." This is like a very detailed receipt that includes all the necessary information about your therapy sessions.

Once you have your superbill, you can then submit it to your insurance company for potential reimbursement. Every insurance company is different, and your coverage will depend on your specific plan, but many people find that they can get at least some of their therapy costs covered this way. However, please be aware that in order to receive reimbursement from an insurance company, you will likely need to have a formal mental health diagnosis. This is something that you and your therapist can discuss together.

Sliding Scale

Another payment option we offer is our sliding scale fees. This flexible pricing system adjusts the cost of therapy based on your income level. We understand that everyone's financial situation is unique, and our sliding scale fees are designed to accommodate a wide range of budgets. Contact us to learn more about our sliding scale rates.

Discounted Therapy Packages

Lastly, we offer discounted packages for those who are interested in purchasing multiple therapy sessions at once. Not only can this option make therapy more affordable, but it also simplifies the payment process by allowing you to pay for several sessions in one go and allowing you to book your sessions in advance.

Learn More about Payment Options Online Therapy

Paying for therapy shouldn't be a barrier to receiving the help you need. At Philosophie Therapy, we're committed to providing multiple payment options to make our online therapy services as accessible as possible. Whether you choose to seek reimbursement from your insurance company, take advantage of our sliding scale fees, or purchase a package of therapy sessions, we're here to support you on your therapy journey.

Remember, the process may seem complicated at first, but we're here to help. If you have any questions about these payment options, feel free to reach out to us. We're more than happy to help you understand and navigate your choices. Investing in your mental health is one of the most important things you can do, and we believe it should be as easy and stress-free as possible.


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