Insurance Coverage Finder
Educational database of telehealth platform coverage patterns
Finding telehealth platforms that work with your insurance can be time-consuming. This database compiles general coverage information to help you identify which platforms might be worth exploring further. Always verify coverage directly with the platform and your insurance provider before starting services.
Important Information About This Database
Coverage information is compiled from publicly available sources and may not reflect current policies. Insurance acceptance varies by state, specific plan, and can change without notice. This database is for educational purposes only. Always verify coverage directly with the platform and your insurance company. In-network vs. out-of-network status significantly affects your costs. Some platforms may accept your insurance for certain services but not others.
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Talk to the AI GuideUnderstanding Insurance Coverage
Private Insurance
Many telehealth platforms now accept major private insurance plans. Coverage depends on whether the platform is in-network with your specific plan. In-network providers typically have lower out-of-pocket costs. Out-of-network services may still be partially covered but at higher cost to you.
Medicare
Medicare has expanded telehealth coverage significantly. Part B typically covers telehealth mental health services, including therapy and psychiatry. Some platforms specialize in Medicare patients. Coverage rules and locations may vary, so verify eligibility with both Medicare and the provider.
Medicaid / State-Sponsored Health Insurance
Medicaid is federally funded but administered by each state under different program names – such as MassHealth (Massachusetts), Medi-Cal (California), Apple Health (Washington), TennCare (Tennessee), and many others. Coverage for telehealth varies significantly by state program. Many states have expanded telehealth benefits, and some platforms specifically work with Medicaid patients in select states. Community mental health centers and Federally Qualified Health Centers (FQHCs) are often reliable options for Medicaid members. Check with your state's program for current telehealth policies.
Self-Pay Options
Many platforms offer self-pay options with transparent pricing. Some provide sliding scale fees based on income. Self-pay can sometimes offer more flexibility in choosing providers, though it may cost more than using in-network insurance benefits.