Skip to main content
Headway

Does my insurance cover therapy?

When you see a therapist through Headway, you'll pay more like $20 – $50 rather than the standard $200 – $300. Enter your insurance details to get an estimated price.
Check my benefits
Person watering plant

Get Started

How It Works

Search by your preference
Estimate your in-network cost
Book your session
Check my benefits
Two people drinking tea

Nationwide access

In-network mental healthcare that works for you

We partner with 50+ of the nation's top insurance plans and 48,000+ providers to make sure you can get the affordable care you need. Our national network of providers supports 57+ languages and offers in-person and virtual care across 20+ specialties.
Aetna
Anthem
Cigna
Oxford
UnitedHealthcare
Oscar
50+ insurances

Frequently asked questions

Many insurance plans now include mental health benefits that cover therapy. We look up your benefits to check if your plan covers therapy, and you can reference your plan’s Explanation of Benefits or contact your insurance company for more details. If your plan covers therapy, you’ll want to find a therapist who is in-network with your insurance to make the most of your benefits.
The cost of a therapy session depends on a few things: your individual insurance plan, the therapist’s training, location, and session length. We use your insurance information to calculate your out-of-pocket price per session. You won’t be billed until after your session.
When you enter your insurance information and therapist preferences into the search tool, we’ll show you recommended therapists who accept your insurance and match your needs.

Therapists on Headway currently accept Aetna, Anthem Blue Cross and Blue Shield, Cigna, Oscar, Oxford, United Healthcare, and all Optum affiliates. If we’re not taking your insurance yet, keep an eye out. We’re growing quickly and partnering with even more insurance companies to bring affordable mental health care to everyone.

Please note: if your plan is affiliated with Medicaid or Medicare, we will not be able to accept your insurance at this time. Reach out to us if you’re looking for some resources. We’re happy to send over some options that work with your plan.

Your payment information is required to book a session, but you won’t be charged until after the session has occurred. Before the session, your payment information is only used to ensure that session payments and no-show fees can be collected.

If your sessions are covered entirely by insurance, we still ask for a payment method in case of any cancellation fees, which are always communicated ahead of time.

Headway is completely free to use. We provide in-network therapist recommendations and appointment slots at no cost to you. You’ll only pay for therapy, never for using Headway.

Ready to find a therapist?

Find your therapist from our diverse community of thousands of mental health care providers that take your insurance.