BetterHelp
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BetterHelp started as a subscription model but now accepts insurance in over 25 states, with coverage from Anthem, Cigna, Blue Cross, and others. You can match with licensed therapists specializing in anxiety, depression, trauma, and family issues. Sessions happen via video, phone, or messaging, depending on your preference and therapist availability.
It works well if you live in an insurance-friendly state and prefer flexibility in how you communicate with your therapist. The mix of payment options means you can switch from insurance to cash if needed, though availability and coverage vary by location.