Top 12 telehealth options with insurance

Are you looking for top telehealth with insurance? Many top telehealth companies accept health insurance plans.

During this guide, you’ll find out how much you can save with a top telehealth platform that accepts insurance, the top 12 telehealth options with insurance, and how to choose a top telehealth company that suits you and your needs. Find a licensed provider on Klarity Health and get a telehealth appointment with a licensed healthcare provider within 24 hours.

Disclaimer: Providers on Klarity Health are independent practitioners with clinical autonomy; a diagnosis, treatment, or prescription is not guaranteed.

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Klarity connects you with licensed providers, and some visits may be covered by insurance—cost varies by plan.

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How much you save with a top telehealth platform that accepts insurance

You save money in several different ways when you choose a top telehealth platform that accepts insurance. Here are the ways you can save:

• Reduced transportation costs. Using a telehealth platform rather than an in-person healthcare provider eliminates the need to travel to a hospital or clinic. Since you don’t need to travel, you save money on missed work time, parking, and gas.
• Lower visit costs and copays. Telehealth appointments usually have lower costs when compared to appointments with in-person healthcare providers. If your health insurance plan covers telehealth appointments, your coinsurance or copay might be lower for online visits than for in-person appointments.
• Fewer follow-up visits. Telehealth can sometimes reduce the need for follow-up appointments, which decreases your appointment copays and fees.
• Avoiding expensive emergency room or urgent care visits. Telehealth can help you quickly access health care for minor health issues, which can help you avoid more expensive visits to urgent care clinics or the emergency room.
• Better chronic condition management. Telehealth allows you to get regularly scheduled follow-up appointments for chronic health conditions, which helps prevent expensive complications.

Top 12 telehealth platforms that accept insurance

Here are the top 12 telehealth platforms that accept health insurance plans:

Klarity Health

Klarity Health is a national healthcare marketplace platform that connects people with licensed and board-certified healthcare providers. These healthcare providers specialize in mental health services, weight loss treatment, therapy, primary and preventative healthcare, and more. Klarity Health offers flexible and personalized telehealth care with consultations that cost as little as $0. You can find a healthcare provider on Klarity Health in as little as 24 hours.

Pros

• Health savings account (HSA)/flexible spending account (FSA) eligible
• Offers provider messaging 24/7 
• Healthcare providers can prescribe you medication, including controlled substances, if they’re deemed medically appropriate.
• You can usually find same-day appointments.
• You’re able to filter healthcare providers by specialty, price, and more.
• Operates in all 50 states
• Accepts various insurances with affordable cash pay options. Visit starts as low as $51.

Cons

• Healthcare services can be unavailable in some states.
• In-person visits can be necessary for some medications, particularly controlled substances.

Get affordable, personalized telehealth care today

Klarity connects you with licensed providers, and some visits may be covered by insurance—cost varies by plan.

Book an appointment

Teladoc

Teladoc is a comprehensive telehealth company that provides primary care, psychiatric, and mental health services. The company offers next-day or same-day availability in many states. It’s available nationally and covered by most commercial health insurance plans. Teladoc also makes it simple to quickly find and see a healthcare provider. The platform’s overall design and intake process are excellent.

Pros

• Video and phone options
• A comprehensive platform that’s designed to treat specific symptoms and concerns
• Multiple healthcare providers to choose from
• Next-day or same-day appointment availability
• Most major health insurance plans are accepted.

Cons

• Medication management is limited.
• Not a suitable option for severe mental health cases or disorders
• There are no options to message your healthcare provider between appointments.
• The out-of-pocket costs are expensive.

Amwell

Amwell is a telehealth platform that provides online healthcare services through live video. The company accepts many major health insurance plans, and the platform is very easy and intuitive to use. There are many services available on the platform, including women’s health services, cognitive behavioral therapy, chronic care management, and nutrition counseling. You can also usually find a healthcare provider in as little as 24 hours.

Pros

• Menopause, prenatal, and postpartum counseling is available on the platform.
• You can pay for each appointment if needed.
• Therapy is available for children who are at least 10 years of age.
• You can choose your healthcare provider from a directory of providers.
• Psychiatric medications and therapy are available.

Cons

• There’s no discount or bundle for participating in more than 1 service on the platform.
• The company doesn’t automatically match a healthcare provider for you.
• You can’t text your healthcare providers.
• Psychiatry is only available for people who are at least 18 years of age.

MDLive

MDLive is a telehealth platform for online mental health and medical care. You can usually speak to a medical healthcare provider within an hour of signing up for the platform for any medical issues or concerns you have. The company also offers both therapy and psychiatry services to adults and children 10 years and older. For psychiatric care or psychotherapy, you might need to wait about a week. MDLive accepts most major health insurance plans.

Pros

• You can choose between live video or phone appointments.
• Accepts many of the major health insurance plans
• You can schedule appointments in as little as 24 hours or less.
• Provides many healthcare services, including medical visits, therapy, and psychiatry

Cons

• There are no bundles or discounts available for psychiatry and therapy services.
• There are no options to text your healthcare provider.
• Therapy and psychiatry aren’t available to kids under 10 years of age.

PlushCare

PlushCare is a telehealth platform that provides same-day appointments for mental health care, urgent care, and primary care. The telehealth company accepts many of the major health insurance plans. You can also opt to sign up for the company’s monthly membership for $19.99 per month or $99 for an annual plan, and the membership’s first month is free. Telehealth services are available in all 50 states, which makes it easy to access telehealth no matter where you are.

Pros

• Accepts many commercial health insurance plans
• You can select your healthcare provider based on your particular preferences and situation.
• There are short wait times to meet with healthcare providers.

Cons

• There is a limited number of healthcare providers available.
• You need to sign up for a monthly membership if you want to get all the telehealth services provided.

Doctor on Demand

Doctor on Demand is a telehealth company that offers primary care doctors, urgent care providers, psychiatrists, and therapists, all in one app or platform. You can also find healthcare providers with either next-day or same-day availability. The platform is available in all 50 states, and it accepts many of the major health insurance plans. Unfortunately, Doctor on Demand has high costs, with medical visits starting at $99 without health insurance. There’s also no way to message your healthcare provider between appointments.

Pros

• The company accepts some commercial health insurance plans.
• The Doctor on Demand mobile app is simple and intuitive to use.
• There are usually next-day appointments available.
• The company is available in all 50 states.

Cons

• There is a strict time limit for therapy sessions.
• The customer service experience is poor.
• Expensive, particularly for ongoing medical or mental health care
• No option to message your healthcare provider between sessions

LiveHealth Online

LiveHealth Online is a telehealth platform that provides psychiatry, therapy, and urgent care services in all 50 states. Psychiatry services are available for adults aged 18 and up, while therapy is available for adults and children aged 10 years and older. LiveHealth Online accepts some health insurance plans, including Anthem Blue Cross Blue Shield, Anthem Blue Cross, Blue Cross Blue Shield of Georgia, Empire Blue Cross, and Empire Blue Cross Blue Shield.

Pros

• Accepts some health insurance plans
• Lower cash-pay costs
• The mobile app is free, easy, and intuitive to use.
• There is flexible scheduling available, including weekend sessions.
• You can pay for each session individually.
• There are no subscription fees.

Cons

• There’s no couples therapy available.
• Providers aren’t able to prescribe controlled substances.
• The healthcare provider profiles on the platform are too short and don’t provide enough detail.
• Doesn’t accept many health insurance plans

Virtuwell

Virtuwell is a telehealth platform that pairs you with licensed and board-certified healthcare providers. These providers offer diagnosis and treatment for common illnesses and medical conditions, including acne, pink eye, sinus infections, and bladder infections. Providers include nurse practitioners, and they ask patients what they would ask in an in-person office, review all of the patient’s symptoms, and come up with a treatment plan. These treatment plans include over-the-counter (OTC) and prescription medications, including antifungals, antivirals, antibiotics, emergency contraception, and birth control.

Pros

• With health insurance, you can pay as little as $0 for a visit.
• The process is fast and efficient.
• You can usually complete the questions and receive a treatment plan on the same day.

Cons

• Longer wait times
• Not able to treat certain medical conditions, including allergic reactions, severe bleeding, and severe abdominal pain
• No video calls with healthcare providers available

HealthTap

HealthTap is a telehealth platform that connects you with licensed healthcare providers for urgent care and primary care visits. The platform’s services include diagnosis, treatment, and prescriptions for common illnesses and medical conditions, including fever, headaches, infections, and allergies. You also get access to follow-up texting with your provider between visits. The platform isn’t meant for specialty care or medical emergencies.

Pros

• The customer service is typically very supportive.
• The app and platform are simple to navigate, and it’s easy to post questions to the providers.
• The prices are usually reasonable.
• The information provided during visits is personalized to the person’s life and goals.

Cons

• The platform isn’t meant to be used for specialty care or medical emergencies.
• It’s difficult to find specific pricing information for the platform.
• It can be difficult to cancel a subscription.
• There are sometimes long wait times for providers.

Talkspace

Talkspace is a telehealth platform that offers online therapy and medication management. The platform is available on a subscription basis and costs about $276 to $436 per month, depending on the chosen therapy plan. Adults and children ages 13 and up can use Talkspace anywhere in the U.S. or around the world. Talkspace also provides both teen counseling and couples counseling.

Pros

• Excellent web and mobile apps
• Easy and fast sign-up
• Provides therapy for teens and couples
• Offers medication management
• Accepts most major health insurance plans, including Medicare

Cons

• The matching process with therapists can take a few days
• You don’t get much control over choosing your initial therapist.

BetterHelp

BetterHelp is a telehealth platform that connects you with online therapists on a subscription basis. The platform typically costs about $280 to $400 per month, and it’s available for adults ages 18 and up across the U.S. and the world. BetterHelp provides many ways to attend your regular therapy sessions, including live chat, phone, and video. 

Pros

• Quick and convenient
• You get a choice of text, phone, or video therapy.
• Same-day appointments are often available.
• Provides financial assistance
• There are over 30,000 licensed therapists to choose from.

Cons

• Finding the best therapist for you can be challenging.
• Not all healthcare providers can provide text or video sessions.
• The mobile app often has technical issues.
• There are limited choices when it comes to your first therapist.
• Doesn’t accept any health insurance plans

Meru Health

Meru Health is a telehealth platform that offers mental health services. The platform provides a mix of mindfulness, cognitive behavioral therapy (CBT), and biofeedback to treat patients with burnout, anxiety, and depression. Meru Health is compassionate, educational, and comprehensive.

Pros

• The app helps you self-regulate and track your physical responses to stress through biofeedback.
• Provides support from licensed therapists
• Offers access to peer support groups
• The three-month curriculum includes guided exercises, lessons, and activities.
• The platform’s holistic approach treats the mind and body at the same time.
• The platform is cheaper than traditional psychotherapy.

Cons

• The 8-week and 12-week programs focus on sleep quality, but some have difficulty falling or staying asleep.
• Therapists might not respond quickly, or the conversations with therapists lack flow.

Top telehealth companies with insurance comparison

How to choose a top telehealth with insurance that suits me

Here are some of the most important things you need to consider when choosing a top telehealth with insurance that suits you best:

• Type of care needed. Think about the type of care you need. Some platforms only offer primary care and urgent care, while others provide all types of services, including specialist care and mental health care.
• Insurance compatibility and coverage details. Do you have insurance that you want to use? Many telehealth platforms accept most major health insurance plans, but some telehealth platforms don’t accept any health insurance. If you don’t have health insurance, some telehealth platforms offer membership subscriptions or pay-per-visit cash options.
• Prescription access, including controlled substances. Most telehealth platforms offer prescription access, but you can’t typically get prescription access for controlled substances. If you need a controlled-substance prescription, you need to consider that factor when choosing a telehealth platform. Check out Klarity Health or Amazon One Medical if you need a controlled-substance prescription.

Find telehealth providers who may accept your insurance

Klarity lets you filter by specialty, cost, and whether providers may accept your insurance—availability varies by plan and provider.

Book an appointment

Key takeaways

Here are a couple of the key takeaways:

• Klarity Health is one of the best telehealth providers with insurance. The company is available in all 50 states. You can get free consultations with some telehealth providers.
• Some of the key decision factors you need to consider when choosing a top telehealth with insurance that suits you best include the type of care needed, insurance compatibility, coverage details, and prescription access, particularly for controlled substances.

Looking for a telehealth company with insurance?

Are you looking for a telehealth company with insurance? With Klarity Health, getting a telehealth appointment with a licensed healthcare provider is fast, simple, and convenient. You can simply connect with a provider from your own home and receive quality medical care in as little as 24 hours. The Klarity Health platform connects you with board-certified healthcare providers who follow clinical guidelines.

Find telehealth providers who may accept your insurance

Klarity lets you filter by specialty, cost, and whether providers may accept your insurance—availability varies by plan and provider.

Book an appointment