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Headway

Online therapy covered by insurance

Get matched with licensed therapists who offer online therapy covered by your insurance.

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What is online therapy?

Online therapy is mental health care, delivered by video and accessible from your phone, tablet, or computer. It goes by a few names – virtual therapy, telehealth therapy, online counseling. But they all refer to the same thing: licensed therapists providing care that fits around your life.

Therapists on Headway can provide support for a wide range of needs, including anxiety, depression, trauma, relationship challenges, stress, and life transitions.

Online therapy cost and insurance

Health plans are required by law to cover mental health care costs comparably to physical health care, meaning online therapy costs should be similar to other medical costs under your plan. Whether telehealth sessions are covered depends on your plan.

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What you might pay with insurance

People with insurance often pay a $0–$30 copay per session for therapy through Headway. Your actual cost depends on your specific plan, and you’ll see your estimated cost before you book.

Insurance plans we accept

Headway is in-network with most major commercial plans, including Aetna, Blue Cross Blue Shield (in select states), Cigna, and UnitedHealthcare. Coverage varies by plan and state. In some states, we also accept select Medicare Advantage (Part C) plans and select Medicaid Managed Care plans.

What affects your cost

A few factors determine what you’ll pay per session:

  • Your plan and state. Benefits and copays vary by insurer and location
  • Your deductible. If you haven’t met your deductible yet, your out-of-pocket cost may be higher until you do
  • Session length. Some plans apply different cost-sharing depending on how long your session is

Online therapy vs. in-person

Online therapy
ConvenienceAttend from home or any private space in a state where your therapist is licensed
PrivacyAttend from a space you choose
Provider choiceAccess therapists statewide, not just locally
Wait timeOften available within days
Better fit forA virtual format tends to work well if you have a packed schedule, live in an area with fewer local providers, prefer the ease of attending from home, or want more flexibility in how you communicate with your therapist.
In-person therapy
ConvenienceRequires travel to an office
PrivacyMore separation from your home environment
Provider choiceLimited to providers near you
Wait timeCan vary based on local availability
Better fit forSome people find it easier to open up face to face, or prefer the clear separation between their home space and their therapy space. In-person therapy can also be the right fit when a provider recommends it for a specific type of care. Many therapists on Headway see patients both virtually and in their offices.

Conditions and specialties

Therapists on Headway work with a wide range of mental health conditions, life challenges, and relationship concerns, including:

Mental health conditions
Life and relationship challenges
Therapy approaches
  • Cognitive Behavioral Therapy (CBT)
  • Motivational Interviewing
  • Solution-Focused Brief Therapy (SFBT)
  • Mindfulness-Based Cognitive Therapy (MBCT)
  • Acceptance and Commitment Therapy (ACT)
  • Eye Movement Desensitization and Reprocessing (EMDR)
  • Dialectical Behavior Therapy (DBT)

Why choose Headway

Headway’s network of 80,000+ providers makes it easy to get the care you need – all covered by insurance.

  • Filter by insuranceOnly see providers who are in-network and accepting new patients.
  • Find your fitMatch with providers who have the style and expertise you’re looking for.
  • Online and in-person flexibilityMany therapists offer both, so you can switch formats as your needs change.
  • No subscription requiredBook sessions as you need them, with no monthly fees.

Headway’s therapist credentialing process

Every provider you find on Headway completes our credentialing process before seeing patients through the platform. We review licensure, education, training, and work history so you can book with confidence.

How Headway works

  1. Illustration of provider profile cards

    Browse therapists covered by your insurance

    Enter your ZIP code and insurance plan to find providers who are accepting new patients and in-network for you. Filter by specialty, availability, approach, identity, and more.

  2. Illustration of a map with a route marked on it

    Find your fit

    Answer a few questions about the therapy style and focus areas, and we’ll show you providers who match – or you can browse profiles directly if you prefer. Some therapists also offer a no-cost 15 minute phone consultation, which can be a low-pressure way to get a feel for someone before committing to a first appointment.

    You can switch therapists at any time.

  3. Illustration of a hand reaching for a door handle

    See your cost and book

    Before you book, you’ll see your estimated cost so you know what to expect. Depending on the provider, your first session may be available within days – with no subscription or minimum number of sessions required.

Frequently asked questions

Therapy Chair

Patient lying down on a couch in an online therapy session

Get started with online therapy that takes your insurance

Headway makes it easy to find affordable support for your mental health – from finding the right in-network provider to understanding your costs and scheduling with ease.

Find a provider - your way