Frequently Asked Questions

• Can you use insurance for online therapy?

  Yes, many health insurance plans now cover online therapy, making it easier and more affordable to get mental health support from the comfort of your home. With Headspace, you can check your insurance eligibility in just a few steps and connect with licensed therapists for secure video sessions right inside the app. Depending on your plan, you may pay as little as $0 per therapy session, and you can also use HSA or FSA funds to cover any out-of-pocket costs. Online therapy with insurance works much like in-person care, but with added convenience and flexibility to a provider who fits your needs.

• How do I know if my insurance covers Headspace therapy?

  You can check your insurance coverage quickly and easily by clicking “Check eligibility” on the Headspace website or in the app. We partner with many major health insurance providers like Aetna, Blue Cross Blue Shield, Cigna, and Anthem. After verifying your details, we’ll confirm if your insurance plan covers online therapy with Headspace.

• How much will therapy cost with insurance?

  Your exact cost for online therapy with insurance depends on your plan, but many members pay as little as $0 per session with in-network coverage. Our goal is to make high-quality mental health treatment affordable, accessible, and convenient.

• Can I use my HSA/FSA account to pay?

  Yes, online therapy is an eligible expense under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). These accounts are a great way to cover any out-of-pocket costs not covered by insurance. We’re here to make paying for mental health care as simple and flexible as possible, whether you're receiving therapy or counseling from a licensed provider.

• What if my insurance isn't listed?

  Even if your insurance provider isn’t listed, you may still be eligible for coverage. We accept many plans beyond the major insurers shown, so it’s worth checking your eligibility. If we’re not in-network with your plan, we also accept out-of-pocket payments and HSA/FSA. Headspace can help guide you through your options so you can still access mental health care, including online therapy and counseling, affordably.

• Will I know my cost before booking?

  Yes, Headspace provides transparent pricing before you schedule your first session. Once you check your eligibility during onboarding, you’ll see a personalized cost estimate based on your insurance coverage. Many users pay as little as $0 per online therapy session with insurance. Whether your session is fully covered or includes a small copay, we’ll let you know upfront so you can make informed decisions about your mental health treatment without any billing surprises.

• What types of therapy services are covered through insurance with Headspace?

  Insurance-covered therapy through Headspace includes one-on-one video sessions with licensed therapists who specialize in treating mental health conditions like anxiety, depression, stress, trauma, life transitions, relationships, and more. All therapists are vetted, experienced, and trained to provide care that’s evidence-based and personalized to you. You’ll get the same high-quality support as in-person therapy, just more convenient and often more affordable.