Insurance may or may not cover the cost of online therapy

Apps like Talkspace and BetterHelp may be a brilliant place to start investing in your mental health in 2022.

Dr. Stephen Schueller, an associate professor at the University of California, Irvine, and the executive director of One Mind PsyberGuide, which evaluates and assesses digital health applications, says, “There’s all this prep work that goes place before going to visit a [conventional] therapist.”

Making cold calls, conducting exams, and exchanging emails with many therapists until you discover one that accepts new patients is a standard part of the process.

Public Service Loan Forgiveness (PSLF)

It is the PSLF program is the most appealing alternative for federal physical therapy loan forgiveness because of a variety of reasons.

  • Shortest Forgiveness Period (10 Years)
  • Forgiven Amount is Tax-Free
  • Incentive Driven Payments count toward 120 payments

The most important restriction to the acfa — Online Loan forgiveness for public service scheme is that physical therapists need to be employed in the government sector for a minimum of 10 years, and they must make 120 qualified repayments on their loans.

Physical Therapists working in private clinics aren’t qualified to apply for PSLF. In order to be eligible for PSLF it is required to be employed at the hospital (inpatient as well as an outpatient) or a government-owned (VA) as well as a non-profit eligible organization.

Physical therapists in the majority do not have the qualifications for PSLF due to their choices of jobs. Switching jobs to work for an institution like a hospital, government agency or an approved non-profit organization is a great choice for your career if you’ve more than $100,000 in federal loans for students.

How treatment apps may benefit you

In some instances, Talkspace, BetterHelp, Cerebral, and others may get you in touch with an experienced therapist within hours after signing up. With texting, you don’t have to wait until a specific time of day to contact your therapist as you would with a conventional one. On the other hand, traditional treatment appointments are more expensive on a monthly or weekly basis.

Depending on the service and plan you choose, you will get a different level of care. Therapists may address a wide variety of mental health issues, and the apps inquire about your preferences for the sort of therapist you’d want to visit. These include depression, anxiety, relationships, trauma, grief, post-traumatic stress disorder (PTSD), eating disorders, etc. An app’s messaging system allows you to communicate with a service provider at your speed, precisely like texting. Your talks will be kept so that you may go back and view them at any time. They’ll typically react within a specific time (like 24 hours). Therapists may be reached by video or voice chat as well.

There are certain downsides to using these apps: It is difficult to conclude the efficacy of any therapeutic models since they are so new and have been subjected to privacy issues. But Schueller adds that the idea that therapy apps don’t function at all is a myth.

To evaluate whether it works for your budget and objectives and to see how it compares to more conventional treatment, he advises a month or two of using an app. The quality of your experience will be significantly influenced by the individual provider with whom your app links you, so don’t be afraid to test out a few different therapists and apps until you find one that feels right for you.

“You have to have a little bit of desire [to participate] in something still being tried and sorted out,” Schueller tells Wired.


Talkspace’s three unlimited texting subscriptions begin at this pricing. Unlike the most affordable plan, which only allows you to communicate with your therapist through an app, the other two options enable you to book live sessions.

It costs $52 a week for messaging therapy:

$63 a week for messaging therapy and one live session per month

The cost of four monthly sessions of Messaging Therapy plus one is $79 each week.

Depending on your location, the availability of therapists, and the frequency of your payment plan, Talkspace’s prices vary. Discounts are available for subscriptions of three or six months duration. A psychiatric program for medication management is available via Talkspace, as is counseling for couples and teenagers. The psychiatry program allows doctors to administer medication, but they cannot prescribe restricted medicines like Adderall and Xanax to patients. Employers and institutions around the nation have partnered with the app, which takes certain types of insurance.


The cost of therapy at BetterHelp ranges from $60 to $90 a week, with payments due every month. Because not all therapists are authorized to operate in every state, the cost varies by area and therapists’ availability, just as on other platforms. Each week, one live chat, phone call, or video conference is included in the cost.

Many insurance companies do not cover BetterHelp, or physicians on the site can’t prescribe medicine. Counseling options for couples and teenagers are available via two partner sites that the app may link you to.


For the first month of therapy, Cerebral gives a discount, and it also advertises that it is HSA and FSA-eligible. Plan costs may be seen here.

An initial consultation fee of $30 per month is followed by an ongoing monthly cost of $85. You will be paired with a prescriber who will assist you in managing and prescribing medicines. It also includes monthly consultations with a counselor to help you on your journey. Your care counselor may or not have a license to practice therapy.

$99 for the first month, followed by $259 every month. However, this does not include drug management, which is covered separately.

It will cost $139 for the first month and $325 to get medication and therapy. If you need medication management and weekly treatment, this plan is the best option.

Cerebral also takes several different types of insurance.

How to locate low-cost face-to-face treatment

Your health insurance plan may cover therapist appointments. Find out whether your health insurance plan covers mental health treatment by contacting your provider. Many therapists also offer sliding scale payment alternatives. Look into local mental health facilities.