Independent online therapy reviews
Find online therapy that fits your life, your budget and your insurance.
I compare BetterHelp, Talkspace and the other platforms the way you’d want a friend to: real prices from their own pages, what the insurance option leaves out, and the fine print on cancelling. Every claim links to its source.
- Prices re-checked Oct 27, 2026
- Sources linked on every page
- No paid placements
start here
Where are you starting from?
At a glance
The platforms, side by side
Weekly prices without insurance, whether insurance is accepted, and who each one suits best. Click a name for the full review.
| Platform | Price without insurance | Insurance | Psychiatry | Best for | Links |
|---|---|---|---|---|---|
| BetterHelp | $70–$100 per week without insurance | Some plans | No | Paying out of pocket and wanting messaging between sessions | Visit |
| Talkspace | $69–$109 per week without insurance | Yes | Yes | Using insurance, including Medicare or TRICARE | Visit |
| Online-Therapy.com | From $48 per week (first month, 20% off) | No | No | People who like structure and homework | Visit |
Prices read from each platform’s own pages on Oct 27, 2026. Weekly prices; most platforms bill monthly or every four weeks.
Start with what you need
What matters most to you right now?
- Using insuranceAetna, Cigna, UnitedHealthcare, Medicare…
- Keeping costs downHSA/FSA, EAPs, billing cycles
- Medication and psychiatryWho can prescribe, and what it costs
- Structured CBTWorksheets and 45-minute sessions
- Therapy for a teenAges 13–17, with a parent involved
- Couples therapyWhich platforms offer it, and how
How I check a platform
Boring on purpose
Reviews in this space are often written to sell. Mine are built on things you can check yourself.
Read the platform’s own pages
Pricing, insurance, cancellation and refund policies, read in full and dated.
Flag where they contradict themselves
When a FAQ and a pricing page disagree, you’ll see both, not a guess.
Link every source
Each review ends with its sources, marked official or third party.
Show what isn’t done yet
Every review lists what it’s based on, including the gaps.
Latest
Reviews and guides
- Review BetterHelp Review 2026: Price, Insurance and the Fine Print What BetterHelp really costs in 2026, which insurance plans it now takes, what you give up when you use insurance, and who should pick something else. Checked October 27, 2026
- Comparison BetterHelp vs Talkspace (2026): Which One Fits You? BetterHelp and Talkspace side by side: weekly prices, what insurance actually buys you on each, live session length, psychiatry, and which one to pick in five common situations. Checked October 27, 2026
- Guide Does BetterHelp Take Insurance? (Checked October 2026) Yes, for many plans now, but with real limits. Which insurers BetterHelp lists, what an insured plan includes and leaves out, why its own pages disagree, and how to check your coverage in five minutes. Checked October 27, 2026
- Guide How Much Does Online Therapy Cost in 2026? Real 2026 prices for BetterHelp, Talkspace and Online-Therapy.com, what a weekly price adds up to per month and per year, how insurance changes the maths, and five ways to pay less. Checked October 27, 2026
- Review Online-Therapy.com Review 2026: The CBT Program, Prices and Refunds How Online-Therapy.com’s CBT program works, what its Basic, Standard and Premium plans include, why the advertised $48 a week is a first-month price, and its refund rules. Checked October 27, 2026
- Review Talkspace Review 2026: Plans, Insurance and Psychiatry Costs Talkspace’s 2026 prices plan by plan, which insurers cover it (including Medicare and TRICARE), what psychiatry costs, and where the cheaper plans fall short. Checked October 27, 2026
Who’s behind this
Hi, I’m Monica.
Monica runs TherapyVerdict. She checks every price, insurance claim and policy against the platform’s own pages, links the source, and re-checks it on a schedule.