Skype therapy insurance

Best Online Therapy That Takes Insurance

Online therapy providers increase access to mental health care. We found out which ones accept insurance.

By Annie KellerMedically Reviewed by Lauren Masopust


This content is researched and written based on extensive testing by an external reviews team and does not reflect the views or opinions of Everyday Health’s editorial team. Everyday Health may earn a commission from purchases of products featured in this article.

Best Online Therapy for Unlimited Messaging That Takes Insurance


  • Can provide medication management
  • Offers an unlimited messaging plan

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Best Online Therapy With the Highest Customer Reviews That Takes Insurance


  • Ability to choose your own therapist
  • Can provide medication management

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Best Online Therapy for Children That Takes Insurance

LiveHealth Online

  • Offers therapy for children between age 10 and 17
  • Can provide medication management

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Before 2020, the idea of seeing a therapist online might have seemed like a strange concept for some. But today, online therapy platforms are increasingly being used to help therapists address a spike in mental health care needs. According to the American Psychological Association, psychologists saw 84 percent more patients with anxiety disorders and 72 percent more patients with depressive disorders in October 2021 than they did before the pandemic — with most psychologists treating patients virtually. Even though there are a variety of online therapy apps to help address this need, none of them will be of any use if you can’t pay for them. If you’re looking for the best online therapy that takes insurance, here are the top platforms that do.

  • Best online therapy for unlimited messaging that takes insurance: Talkspace
  • Best online therapy with the highest customer reviews that takes insurance: MDLive
  • Best online therapy for children that takes insurance: LiveHealth Online

Why You Can Trust Us

We independently investigate and recommend products and services we believe will enrich the lives of our readers and meet their specific needs. We’ve spent many hours of in-depth research on the online therapy market. You can trust our review because we did the legwork for you in these specific ways:

  • Engaged in ongoing independent research
  • Mystery shopped each of the brands
  • Contacted the brands’ customer service teams to ask questions and gauge responsiveness
  • Became customers of online therapy providers ourselves
  • Reviewed academic research into the efficacy of online therapy versus in-person therapy
  • Read hundreds of verified customer reviews from trusted third parties such as the Better Business Bureau (BBB) and Consumer Reports

Learn more about how we researched and evaluated the best online therapy brands via the methodology page.

Best Online Therapy Option for Unlimited Messaging That Takes Insurance: Talkspace


  • Offers medication management
  • Various price tiers to choose from
  • Many options for therapy communication methods, including text, audio, and video messaging as well as live sessions
  • Choice of several providers offered


  • May take several days to be matched to a therapist
  • Therapist bios not available on website
  • Live video sessions not available on all tiers
  • May be delays in responses to messages


Talkspace operates under the principle that your mental health needs shouldn't be paused just because you don't have instant access to a counselor at all times. That’s why the platform offers an unlimited messaging plan that allows users to message their counselors as things come up throughout the day instead of waiting for a live session.

Session Types

Talkspace offers two session formats to choose from: messaging and live therapy.

Messaging Therapy

With the messaging therapy plan, you will be matched with a therapist and provided with a private chatroom where you can send text, audio, and video messages. The room is open at all times, and you can send a message whenever you feel the need. Your therapist is required to monitor the room and to respond according to a set schedule five days a week, but they may not do so outside of these scheduled hours. If you message them outside of this schedule, you may have to wait up to 24 hours for a response. If you want real-time interaction with your therapist, you can schedule a live audio, video, or chat session for an additional $65 per session.

Talkspace isn’t transparent about how quickly its therapists respond to messages. It states that therapists are quick to respond but that messages sent outside of scheduled hours or late at night may not receive a response until the morning. Additionally, therapists are only required to respond five days a week, which may be a roadblock for someone hoping for a response to a message outside of their therapist’s schedule. Nonetheless, you can send as many messages as you like, even outside of your therapist’s working hours, which may be convenient for people who prefer to get things off their chest as they come up.

Live Therapy

The live therapy subscription offers four 45-minute live sessions per month. It does not include messaging, but you can subscribe to a live plus messaging therapy plan for a combination of the features of both the messaging and live therapy plans.

The BBB gives Talkspace a B rating, yet customers who reviewed Talkspace on the BBB gave it 1.09 out of 5 stars.

Cost and Payment Options

Talkspace pricing varies, based on where you live and the availability of therapists who are licensed to practice in your state of residence. Here’s what you can expect to pay without insurance, depending on the subscription you choose:

  • Messaging Therapy Text, video, and audio messaging starting at $79 per week, $316 per month; discounts for paying quarterly (10 percent) and biannually (20 percent)
  • Live Therapy Four 45-minute live therapy sessions per month starting at $109 per week, $436 per month; discounts for paying quarterly (10 percent) and biannually (20 percent)
  • Live Messaging Plus Therapy Text, video, and audio messaging plus four 45-minute live therapy sessions per month starting at $139 per week, $556 per month; discounts for paying quarterly (10 percent) and biannually (20 percent)
  • Teen Therapy (Ages 13 to 17) Text, audio, and video messaging for $65 per week, $260 per month
  • Psychiatrist Sessions $249 for the first consultation, $125 for follow-up visits

What Insurance Does Talkspace Accept?

Talkspace partners with a lengthy list of insurance providers, employer-based insurance plans, and employee assistance programs. Enter the name of your insurance company on the Talkspace partners page to see whether the company accepts your insurance.

Read our expert review of the Talkspace online therapy platform if you need more information to help you choose the best option for you.

Best Online Therapy With the Highest Customer Reviews That Takes Insurance: MDLive


  • Ability to choose your own therapist
  • Can provide medication management
  • Wide range of services offered


  • Primarily for medication management
  • No monthly subscription plans
  • Email and text options not available

MDLive is a comprehensive online medical platform that connects users with both mental health care professionals and nonemergency medical care via telehealth for issues that may arise such as migraine, pink eye, and sinus infections. MDLive also has psychiatrists on its platform, meaning users can get a prescription if advised as part of a treatment plan. Its consumer ratings set it apart from other online therapy platforms that take insurance.

Consumer review site Trustpilot gives MDLive a TrustScore of 4.4, which is considered excellent. A TrustScore is the overall measurement of reviewer satisfaction based on all the service and location reviews a business receives on Trustpilot on a scale of 1 to 5. MDLive users appreciate the convenience of the therapy, with one Trustpilot review stating, “I’ve always wanted to try therapy but found it difficult to fit into my schedule. I have high hopes for success moving forward because MD Live makes it easy.”

We also looked at the BBB ratings, which are based on information that the BBB obtains about a business, including complaints received from the public. The BBB gives MDLive an A+ rating, although it averages 1 out of 5 stars from 28 customer reviews. In contrast, the BBB gives Talkspace a B rating and 1.09 out of 5 stars from customer reviews. LiveHealth Online isn’t BBB-rated.

Session Types

MDLive offers sessions by both phone and live video chat. This includes counseling and medication services.

Cost and Payment Options

MDLive charges $108 for a counseling session. For medication management, it charges $284 for the first visit with a psychiatrist and $108 for follow-up appointments. Insurance will lower the cost of therapy, but specific pricing depends on your insurance.

What Insurance Does MDLive Accept?

MDLive accepts most insurance plans, including Cigna, Humana, Blue Cross Blue Shield, and Aetna. To find out whether MDLive accepts your insurance, you can register for a free account and input your insurance information.

Best Online Therapy for Children That Takes Insurance: LiveHealth Online


  • Offers therapy for children between age 10 and 17
  • Can provide medication management


  • Medication management offered for adults only
  • No monthly plans offered
  • Email and text options not available

Most online therapy services only serve adults. Some platforms offer therapy to children ages 13 and older, but LiveHealth Online will provide online therapy for children as young as 10. Make sure that this type of therapy is right for your child and their needs. For example, if they are having difficulty managing their feelings or are feeling anxious, angry, or sad, online therapy may be beneficial, according to The Family Institute at Northwestern University.

Keep in mind, however, that online therapy isn’t for everyone. “While many therapists have successfully engaged children in online therapy, especially during the pandemic, and have done so with much success, it may be harder for kids to remain engaged online,” says Sarah Epstein, a licensed marriage and family therapist based in Dallas.

Session Types

LiveHealth Online provides therapy via live video sessions with a therapist or a psychiatrist. Simply sign up using your smartphone, tablet, or computer. Once registered, you’ll be able to choose from a list of therapists and doctors who are licensed in your state and schedule an appointment. It’s free to sign up, and there are no monthly subscription fees.

Cost and Payment Options

Without insurance, an initial video session with a LiveHealth Online psychiatrist is $175, with follow-up visits costing $75 each. Video sessions with online therapists are $80 each, and video sessions with online psychologists are $95 each. Insurance will lower the cost of therapy, but specific pricing depends on your insurance.

What Insurance Does LiveHealth Online Accept?

LiveHealth Online’s video sessions are covered by several insurance plans. These include Anthem Blue Cross Blue Shield, Anthem Blue Cross, Blue Cross and Blue Shield of Georgia, Empire Blue Cross, and Empire Blue Cross Blue Shield health plans. Other plans may cover some of the cost but aren’t considered in network, according to LiveHealth Online.

ProviderSession TypesMonthly CostInsurance Accepted
TalkspaceText, audio, and video messages; live video$316 to $556, depending on the planOptum, Blue Cross, Cigna, GatorCare, and many employer-based plans; check the Talkspace website for list of the carriers accepted
MDLiveLive video and phone$284 for the first psychiatrist visit, $108 for follow-up visits; $108 for online counselingCigna, Humana, Blue Cross Blue Shield, Aetna, and others; create a free account to check coverage
LiveHealth OnlineLive video$175 for the first psychiatrist visit, $75 for follow-up visits; $80 for an online therapist; $95 for an online psychologistBlue Cross Blue Shield; possibility of partial coverage for out-of-network carriers




How to Find Out Whether an Online Therapy Provider Accepts Your Insurance

Most online therapy providers have some indication on their site of what forms of insurance they take. If your health insurance provider isn’t listed, you can call the number on the back of your insurance card or look on their website to see whether they cover online therapy and from which providers.

Do Online Therapy Providers Take Medicare or Medicaid?

Under the Coronavirus Preparedness and Response Supplemental Appropriations Act, Medicare plans are required to include online therapy. Medicare Part B will cover online therapy and charge the same for it as in-person therapy. Different states have different rules about covering online therapy under Medicaid, so you need to check your state’s Medicaid plan to see if you could get online therapy with it. If your plan does cover online therapy, the platform you’re interested in using will usually indicate on its website whether it accepts either Medicaid or Medicare.

Other Ways to Save on Online Therapy

If your insurance doesn’t cover online therapy, check with your employer. They may offer an employee assistance program that covers some visits with an online therapy provider. Many online therapy platforms offer a free trial of their services or a monthly subscription plan that may save you money. The National Alliance on Mental Illness (NAMI) also offers various resources for those who are having trouble affording therapy, such as a list of prescription assistance programs for psychiatric medications. Additionally, your local NAMI affiliate may be able to connect you with housing resources and support.

Pros and Cons of Online Therapy


  • Easier to fit into your schedule than in-person appointments
  • Ability to write to your therapist about problems as they come up rather than once a week, with some providers
  • No need to travel


  • May not receive instant responses from a provider, unless sessions are live
  • Most only serve individuals age 18 and older
  • Not always covered by insurance
  • Requires individuals to be comfortable talking in a digital or video format

Who Is Online Therapy For?

Online therapy is best for those who are comfortable using technology to communicate, who don’t mind waiting for a response to whatever issues they bring up in therapy, and who are potentially willing to pay out of pocket. On the other hand, if you prefer discussing issues in person, don’t have a strong internet connection, and aren’t willing to wait for a response, online therapy might not be right for you.

In addition, online therapy is not for individuals who have thoughts of hurting themselves or others, as they need immediate professional care. Individuals with severe mental health issues such as mania, psychosis, and traumatic stress response may consider consulting with a professional before engaging in online therapy, since telehealth for people in distress can be challenging, according to an article published in January 2020 in the Journal of Psychotherapy Integration. In case of an emergency or plans to harm yourself or others, call 911.

Some aspects of online therapy and in-person therapy are universal. “The most important factor to know before choosing a therapist, online or otherwise, is fit, both in terms of personality and their approach to treatment,” says Aaron Weiner, PhD, a licensed, board-certified psychologist and master addiction counselor in Chicago. “The biggest difference between online therapy and in-person therapy is that it’s easier to be distracted or disengaged online — all the normal distractions in your environment are still there,” he says.

Specifically, online therapy can help with a wide variety of conditions and concerns:

  • Stress
  • Anxiety
  • Depression
  • Relationships
  • Parenting
  • Addictions
  • Eating
  • Sleeping
  • Trauma
  • Self-esteem

What to Consider Before Purchasing an Online Therapy Subscription

Whether you’re going with an online therapy subscription or paying per visit, there are several things you should know about the plan you are interested in. Take notice of the prices for various providers on the online therapy platform (you’ll probably have to pay more if you need to see a psychiatrist). If you’re allowed to choose a provider from a group of them, make sure they have experience treating your specific concerns, such as depression, anxiety, or certain phobias, for example. You should also make sure that you have space at home to participate in your appointments in a private area without distractions.

How to Prepare for Your First Online Therapy Appointment

To make your first online therapy appointment easier for both yourself and your therapist, consider the following tips:

  • Be ready to share your medical history. You don’t need to share every single illness you’ve ever had, but you should at least have a basic rundown of your mental health history and past treatment.
  • Check any equipment you’re going to use for your visit beforehand, so you know it is working properly.
  • Find a private space in your home where you can talk to someone without others overhearing.
  • Make a list of the topics you want to cover and refer to it when speaking to your therapist.
  • Likewise, make a list of things you might want to ask your therapist, like how long they’ve been in practice and how much experience they have in dealing with issues like yours.

The Bottom Line

A variety of online therapy providers take insurance. Which provider you should choose depends on your needs. If you’re primarily looking for medication management, MDLive or Talkspace may serve you best. If you’re looking for therapy for a child under age 18, LiveHealth Online may be a good fit.

How We Research and Evaluate Online Therapy Platforms

Our services reviews team extensively scrutinizes any service we research and recommend, including the online therapy market. We only recommend online therapy platforms that we believe will make a difference for our readers.

Together, we’ve researched prominent brands through the experiences of real customers collected by trusted third-party reviews sites such as the BBB and Trustpilot. We’ve also consulted with independent psychologists and other mental health professionals to better understand why people seek out online therapy and read the latest research on the efficacy of online therapy versus in-person therapy.

When evaluating each company, we consider the session types they offer, the modes of therapy they specialize in, the credentials of their therapists, their business reputation and reported customer satisfaction, as well as the ease of registration and how easy it is to use the service. Price, payment options, and whether the company accepts insurance are all crucial components to consider. We always try to recommend a range for all budgets, with special consideration for lower budgets.

After our experts have selected the best online therapy platforms on the market, a practicing and independent licensed therapist reviews our picks to audit each company as a whole and ensure that every selection we recommend is appropriate for the users we identify.

In Emergency Situations

If you are in crisis, waiting for an online therapy appointment may not be safe. In case of an emergency, call 911. This includes plans to harm yourself or others. If you’re having suicidal thoughts, you can call the National Suicide Prevention Lifeline at 800-273-8255. Help is available 24/7.

You can also reach out to the Substance Abuse and Mental Health Services Administration (SAMHSA) National Helpline at 800-662-HELP (4357). The SAMHSA help line is a free, confidential, 24/7, 365-days-a-year treatment referral and information service for individuals facing mental or substance abuse disorders.

Frequently Asked Questions

How can I find online therapy that accepts my insurance?

Some online therapy providers are vague in their responses to the question “Do you accept insurance?” You may find that consulting your insurance carrier first, instead of the provider, is a better place to start. You can typically find a customer service number on the back of your insurance card or contact them online by visiting their website.

Editorial Sources and Fact-Checking

  • Zürcher S, Kerksieck P, Adamus C, et al. Prevalence of Mental Health Problems During Virus Epidemics in the General Public, Health Care Workers, and Survivors: A Rapid Review of the Evidence. Frontiers in Public Health. November 2020.
  • Coronavirus Preparedness and Response Supplemental Appropriations Act, 2020. March 6, 2020.
  • Jobes D, Crumlish J, Evans A. The COVID-19 Pandemic and Treating Suicidal Risk: The Telepsychotherapy Use of CAMS. Journal of Psychotherapy Integration. June 2020.
  • Telehealth.
  • Telemedicine.
  • Interview with Aaron Weiner. March 2022.
  • Interview with Sara Epstein. March 2022.
  • Child and Adolescent. The Family Institute at Northwestern University.
  • Worsening Mental Health Crisis Pressures Psychologist Workforce. American Psychological Association. October 19, 2021.

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How to Find Online Therapy That Takes Your Insurance

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We include products we think are useful for our readers. If you buy through links on this page, we may earn a small commission. Here’s our process.

Until recently, you could use your health insurance for face-to-face therapy but not online services. That’s changed dramatically within the past year. During the COVID-19 pandemic, more people have been taking advantage of telehealth services than ever before.

The technology for telehealth has been available for many years, and the pandemic has made it clear that access to online care is a vital service. This change has caused more care platforms to start.

As a result, many insurance companies have begun covering this service. Although this change was brought on by the COVID-19 pandemic, all signs indicate it is here to say. In fact, 97 percent of psychologists surveyed by the American Psychological Association in October 2021, agreed that online therapy should remain an option after the pandemic.

Telehealth allows you to meet with doctors, therapists, and other healthcare professionals online from the comfort of your home.

Online therapy is an especially popular option. It allows people to have sessions with fully licensed therapists using phone apps or their computers instead of going to an office. For people who’ve been considering therapy but are intimidated or overwhelmed by the thought of office visits or in-person care, online therapy might be the best way to get care.

Online therapy is available from large platforms that specialize in online services, like Talkspace or Better Help, and from individual therapy practices.

Not all online platforms take insurance, but most do. Many therapists who offer online sessions also take insurance.

As a rule, if you have insurance, you can likely find an online therapy provider who will take your plan. However, the exact coverage for online therapy available to you depends on:

  • your insurance plan
  • the therapist you choose
  • state regulations where you live

You can start by looking at the website of the mental health professional you’d like to use. Most online platforms will have a link you can click to see which insurance companies they work with.

There might even be a form you can use that will check your coverage for you. You’ll just need to provide your plan name, your name, and your policy number to see whether you’re covered.

It’s always a good idea to call the office of any therapist you’re considering and verify whether they accept your specific insurance plan for online therapy.

Another option is to start by calling your insurance company. The company can let you know whether you have coverage for online therapy and what copayments or coinsurance costs you’ll have. They can also point you in the direction of therapists who are in-network and the specific therapy platforms they work with.

Here’s a top-level glance at what some of the major insurance providers offer, but you’ll still want to call and confirm what’s covered in your exact plan:

  • United Healthcare. United Healthcare covers Talkspace and any other online therapy as long as the provider is in-network.
  • Aetna. Aetna members can receive online therapy through MDlive, Teladoc, and any other in-network therapist.
  • Humana. Humana plans cover online therapy from in-network providers.
  • Blue Cross Blue Shield. Blue Cross Blue Shield plans cover online therapy through Amwell and other providers depending on your specific plan. In-network providers are also covered.
  • Anthem. Anthem members have access to therapy from Anthem’s own telehealth service, LiveHealth Online, as well as care from in-network providers.
  • Cigna. Cigna covers Talkspace and any other in-network online therapy.
  • Kaiser. Kaiser covers online therapy from in-network providers.

Advantages of online therapy

  • You can attend an appointment from the comfort of your home or office.
  • You don’t need to drive to an appointment or arrange transportation.
  • You can often see a therapist in the evenings and on weekends.
  • You can often get an appointment very quickly.

Disadvantages of online therapy

  • You need a strong internet connection to access the service.
  • Videos can break up or lag, causing a stressful therapy experience.
  • Online therapy can feel less personal, and therapists may miss some nonverbal cues.
  • It can be harder to talk in private if you don’t live alone.

Just like private insurance companies, Medicare and Medicaid have also increased their coverage for online therapy during the pandemic.

Medicare is now covering online therapy for all Medicare members. Medicare Advantage Plans also cover online therapy.

When it comes to Medicaid, your coverage depends on your state. However, there have been large expansions during the COVID-19 pandemic. Almost all states are currently allowing Medicaid enrollees to access online therapy.

You can call the number on your Medicaid card for more information or contact your state’s Medicaid office.

Online platforms and mental health professionals will generally state whether they accept Medicare or Medicaid. You can contact the online platform or private practice if you’re not sure.

If you’re looking at using a private therapist or practice, someone at the office should be able to help you. If you’re looking at a larger therapy platform, a customer service representative can answer your questions.

You can find online therapy from several companies. The best companies for you will depend on your needs and your insurance coverage. Some companies offering online therapy include:


Talkspace allows you to text your therapist throughout the day. You can also have access to live video therapy sessions and therapy and psychiatry services to manage medication.

Talkspace offers therapy for individuals, couples, and teens. Additionally, therapists who have experience providing supportive care to the LBGTQ community and to veterans are available.

No matter what services you’re seeking, you’ll start by taking a brief assessment that will ask you questions about your mental health and current social situation. You’ll then be matched with several potential therapists to choose from.

Talkspace accepts multiple insurance plans and is a workplace benefit from some employers. But it’s also available without insurance.

Check out our full Talkspace review.

Use code “SPACE” for $100 off your first subscription

Learn more at Talkspace


You can use MDLIVE to talk with a therapist online or over the phone. The platform will help you choose the right therapist or psychiatrist for you.

MDLIVE can be used to set up regular therapy sessions to help manage stress, depression, anxiety, major life changes, PTSD, grief, addiction, and more.

You can also receive prescriptions and monitoring support if medication is appropriate to support your mental health.

MDLIVE also offers virtual acute medical urgent care and dermatology consultations. They take insurance from most major insurance providers. Without insurance, costs per therapy session can go up to $108.

Check out our full MDLIVE review.

Learn more at MDLIVE


Betterhelp is the largest online therapy provider. You can use this service to talk with a therapist by text message, phone, or video chat. Text message chat allows you to save messages from your therapist and read them again later.

Individual, couple, and teen therapy is available. Betterhelp specializes in helping with addiction, family stress, grief, major life changes, trauma, anger management, sleep disturbances, self-esteem, relationship trouble, and LGBTQ concerns.

They offer a subscription model that ranges from $60 to $80 per week, billed monthly. They do not accept insurance, but you can try to get reimbursed by insurance if you have a diagnosis from a doctor.

Check out our full Betterhelp review.

Healthline visitors get 20% off the first month

Learn more at Betterhelp


You can see a therapist or psychiatrist online with Amwell. The company offers video visits, and mental health professionals who have been trained in telehealth therapy.

Initial sessions with a therapist are 45 minutes long, and you can schedule sessions during evenings, weekends, or holidays. You and your therapist will develop a personalized treatment plan and set the number of sessions that will be most helpful for you.

Your Amwell therapist can work with a psychiatrist or your primary care physician if you would benefit from a supportive antidepressant, antianxiety, or other medication.

It’s covered by many insurance plans, but it’s also available without insurance.

Check out our full Amwell review.

Learn more at Amwell

Doctor on Demand

You’ll start with an assessment to see if online therapy is appropriate for you. Depending on your results, Doctors on Demand will then match you with a therapist or psychiatrist who can help you.

You can have an online video appointment any day of the week with this platform.

The therapists and psychiatrists are able to treat a wide variety of concerns, but the service specializes in depression, anxiety, trauma, loss, postpartum depression, substance misuse, and relationship concerns.

Costs can range from $75 to $299 before insurance depending on the length of the session and the type of medical professional you meet with.

Check out our full Doctor on Demand review.

Learn more at Doctor on Demand


Video or phone appointments are available with the therapist you choose using Teladoc.

The service will ask you questions to help match you with a therapist. You can also see a psychiatrist. You’ll be able to see a listing of therapists and their specialties.

A Teledoc psychiatrist can prescribe medication if needed to further support your mental health.

They do take insurance, and visits start at $75 without insurance depending on the type of mental health professional you meet with.

Learn more at Teledoc

Online therapy is also available from several smaller providers. You can search for providers online or ask your insurance company to help you find online providers. Try searching by region or specialty on Good Therapy or Online Therapy.

If suicidal thoughts are surfacing:

If you’re having thoughts of suicide or self-harm, please reach out. There’s help available right now:

  • Call a trusted friend or family member.
  • Call the National Suicide Prevention Lifeline at 800-273-8255.
  • Use the Crisis Text Line by texting “HOME” to 741741 in the U.S. and Canada.
  • Go to the nearest emergency room and speak with a mental health professional.

It’s important to find a therapist you feel comfortable with. That might seem extra challenging when you’re looking at online services. Here are a few tips to help you find a great online provider and mental health professional:

Consider the initial cost

Some services will have a free trial or a free first appointment. This can help ensure you’re choosing the right therapist and program before you commit to sessions.

Understand how payment works

Service providers might want your copayment or coinsurance before your sessions or in monthly payments. Other providers might bill you later. Make sure you know how you’ll be billed to avoid surprises.

Review the therapist selection process

Different platforms will have different ways of helping you select a therapist. For example, you might be able to chat with a therapist and interview them before your first appointment.

Look for therapists who understand your experiences

In some cases, it can help to talk with a therapist of a certain, race, gender, age, or similar background to you. Many platforms will display this information upfront and can filter out therapists who don’t match your preferences.

Verify the therapist’s credentials

Always make sure you’re talking with degreed and licensed therapists.

Check the therapist’s location

It can help you know that you can see your therapist in person if you need to. Check for local online therapists if this is important to you.

Ask what types of providers are available

Not all therapy professionals are able to provide the same services. For example, if you need medication in addition to therapy, you’ll need a psychiatrist. Make sure the platform and therapy professional can give you the support you need.

Your online therapy sessions will work just like a face-to-face therapy session would. You’ll be connected to your mental health professional in a video chat. You can normally do this online or by using an app on your phone.

You’ll be able to talk with your therapist as soon as the session begins. They’ll ask you questions and help you manage your mental health, just like they would in person.

Some providers also let you talk with your therapist over the phone without a video call. This can be even more convenient in many cases.

If you’re using Talkspace or Betterhealth, you can also send messages to your mental health professional throughout the day. You’ll get an answer once or twice a day, Monday through Friday. This can be a great way to manage your mental health on the go.

When you have an online therapy visit, it’s important to be in a private location. Your therapist will be in an office, so your privacy will be protected just like it would during an in-person appointment. However, your location can have a big impact on privacy.

If you’re at home during your session and live alone, you don’t need to take any other steps. If you live with other people, it’s a good idea to go into a bedroom or other space where you can close a door.

If you have your therapy session at work or another public location, you should go somewhere private. Find a room with a door and use headphones during your session.

You have a couple more options if you can’t find privacy in your home or office. If you own a car, you can sit in it during your appointment, as long as you’re not driving.

Another option is to have your session while you’re outdoors or taking a walk. If you can find an area that’s not too crowded, this can be a great way to get fresh air and therapy at the same time.

After your session, you can schedule the next visit. Some platforms will allow you to request additional visits whenever you need them.

Remember that if a session didn’t go well or you’re not comfortable with your therapist, you can switch at any time. Most platforms allow you to switch therapists by simply scheduling an appointment with someone different.

There are a few options for free or low cost online therapy. Many services offer free trials, pay-as-go services, discounts, peer counseling, and more ways to try online therapy without insurance.

For example, eTherapyPro does not accept insurance, but they do offer a three-day free trial. You can use the trial to decide if online therapy is right for you. If you decide you want to keep using the service, eTherapyPro costs $40 a week. You can sign up for a membership that will last until you cancel your weekly payments.

By comparison, Betterhelp costs between $60 and $90 a week without insurance depending on your location and the services and therapist you select.

For free therapy options in your area, you can call the National Alliance on Mental Illness (NAMI) hotline at 800-950-NAMI (6264) to be connected with a mental health professional. You can also email them at [email protected]

If you’re a veteran, you can contact the Veteran’s Crisis Line by text, chat, or phone.

You can use your insurance to access therapy online. With the rise in telehealth use during the COVID-19 pandemic, there are more options for online therapy than ever before.

Start by contacting your insurance company to see whether you have coverage for online therapy. They can confirm your coverage and point you in the right direction to get the support you need.

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for at least dwe of 1.5 GGC

System Windows 10 & Skype for Windows 10 & 11

Windows 109 or above)

Windows 10

Version 15 9000

Windows 11

version 15

Windows 11 (Version 1809) or above

SKAIP System Requirements for Mac





Intel processor at least 1 GHz (Core 2 Duo)


At least 1 GB

Additional software

Latest version of QuickTime

Mac OS X 10. 9 users will not be able to upgrade from Skype version Mac OS X 10.10 users will not be able to upgrade from Skype version

Skype for Linux system requirements




64-bit version Ubuntu 14.04+ 64-bit version DEBIAN 8.0+ 64-category version 13.3+ 64-discharge version of Fedora Linux 24+

At least two 1.5 GHz cores


depends on the manufacturer - see Note

Free space

at least 32 MB

Note . Android users from version 4.0.4 to 5.1 will not be able to update higher than Skype version

Important ! Skype is fully supported on devices with ARMv7 processors (or processors capable of executing the instruction set). On devices from ARMv6 processors support all Skype features except video calling. Examples of devices with an ARMv6 processor: Samsung Galaxy Ace, HTC Wildfire. If you do not know which processor is installed in your device, check the user manual or contact the device manufacturer.

Skype for iOS system requirements



Skype on iPhone and iPad requires iOS 12 or later.0003

Note . iPhone and iPad users with iOS 12.1 will not be able to upgrade from Skype version
iPhone and iPad users with iOS 10 will not be able to upgrade from Skype version
iPhone and iPad users with iOS 9 will not be able to upgrade from Skype version

System Requirements Skype for Amazon Kindle Fire HD/HDX

Amazon Kindle Fire


Skype on Kindle Fire requires Fire OS 7 or later

Note . Kindle Fire tablets running Fire OS 7 will not be able to update higher than Skype for Amazon Kindle Fire HD/HDX version

Skype for Browser System Requirements

Skype for Browser

Supported Browser

Skype for Browser is supported on most desktop and mobile browsers. You can check browser compatibility here. If the browser is not supported, you can download Skype for your device.

Note . Windows 7 or Windows 8/8.1 users can sign in, but may not get the full Skype for browser experience.

Find out which platforms Skype is available on.

You can use a screen reader to Skype Money on your Skype for Windows account | Skype 9 support0001

This article has been translated using machine translation.

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This article is also available for:

Skype for MacSkype for mobile

This article is about visually impaired people who use the Skype screen reader and are part of the Skype Content for People with Disabilities opportunities. Additional general help can be found at Skype Support Home.

Using a keyboard and a screen reader such as NVDA, Skype Money in your Skype for Windows account.

Skype Credit is an easy way to pay for free Skype features. With it, you can call mobile and landline phones, as well as send SMS messages. You can also use your Skype for Skype products such as subscriptions and Skype numbers.

When your Skype credit runs out, you can simply purchase additional funds without having to pay a monthly subscription. The information provided in this article can be used with the latest version of Skype. More information can be found in this Skype.

Notes :
  • Keyboard shortcuts can be found in this Skype.
  • We recommend Skype for Windows with NVDA and Skype for Windows 10 & 11 (version 15) with Narrator built into Windows Screen Reader.
  • More information about the accessibility feature can be found in this Skype?

Skype credit
  1. In main Skype, press the Tab key until you hear "Use the dialpad" and then press ENTER key .
  2. Press the Tab key until you hear "Skype Phone" and then press the Enter key .
  3. Skype Phone will open. Press the TAB key several times to move down the page. You hear the available options.

    Note . If you've already purchased Skype, you'll be able to enable auto-recharge and add $ $5.00 in addition to the recommended subscription options.

  4. Press the Tab key until you hear "Continue" for the desired purchase option, and then press the Enter key .
  5. If you are purchasing a Skype product for the first time, the billing information page will open in your browser. By pressing the TAB key, you can navigate through the text fields in the form and enter the required information.
  6. Then press TAB until you hear "Save," and then press Enter.
  7. The Check Order and Payment page opens. Press the TAB key until you hear the payment method you want, and then press the Enter key.
  8. Use the TAB key to navigate to the text fields of the selected payment method and enter the required information.
  9. When you're done, press TAB until you hear "Pay Now" and then press Enter .

Technical support for users with disabilities

Microsoft is committed to providing the best experience for all of our customers. If you have a disability or accessibility questions, please contact the Microsoft Disability Answer Desk for technical assistance. The Answer Desk for people with disabilities is familiar with many popular assistive technologies and can provide support in English, Spanish, French, and American Sign Language. Go to the Microsoft Disability Answer Desk site for contact information for your region.

If you are a government, commercial, or corporate user, please contact the Answer Desk for People with Disabilities.

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