Prosper Health

What Prosper Health is

Prosper Health is a telehealth provider focused exclusively on serving autistic and neurodivergent adults. The company offers two primary services: diagnostic evaluations by licensed psychologists trained specifically to recognize autism in adults, and ongoing therapy with clinicians specializing in neurodivergent care. All services are delivered entirely through virtual telehealth appointments with no in-person locations. The service operates across most of the continental United States with no waitlists, meaning participants can typically schedule diagnostic appointments and therapy sessions quickly.

The company is structured around the premise that autism diagnosis and treatment for adults differs significantly from traditional approaches designed for children. Prosper Health's clinical leadership includes Dr. Rachel L. Loftin, Chief Clinical Officer and faculty member at both Northwestern University and Yale University in psychiatry departments, as well as Ari Ne'eman, a disability rights activist and co-founder of the Autistic Self Advocacy Network who serves as a self-advocate adviser. More than one in three of Prosper's clinicians identify as neurodivergent themselves, and four in five have a close personal or family connection to neurodivergence.

Diagnosis and therapy access

Prosper Health operates two distinct pathways. The first is diagnostic evaluation. Participants who do not yet have an autism diagnosis can work with licensed psychologists specifically trained to recognize autism in adults. The company states that its virtual assessment "was built from the ground up for adults" and uses "adult-validated tools and telehealth best practices grounded in the latest psychological research." The diagnostic process is described as comprehensive and includes testing, with the company claiming it "delivers the same diagnostic rigor at a far lower price point" compared to traditional in-office evaluations.

The second pathway is ongoing therapy. Participants who have an autism diagnosis or who identify with autistic traits can access therapy with clinicians trained in approaches adapted specifically for autistic adults. A participant can begin therapy without a prior diagnosis; Prosper will work to match the client with a therapist matching their preferences (including identity and gender), and the therapist will learn about the client's background and goals during the first session or two before developing a treatment approach together.

The intake form's state selector lists all 50 states plus Washington D.C. as options, but that is a generic address field rather than a coverage claim, and the company's own more specific numbers are narrower: its site footer names 24 states under "Locations," and its insurance FAQ names 30 states where its listed carriers are in-network (detailed below). The captured pages do not say whether self-pay clients outside those states can be seen. The company states it aims to match people with therapists meeting their preferences and emphasizes a "personalized" approach recognizing that "not everyone will want or require the same kind of support."

Insurance coverage and pricing

Prosper Health accepts the following insurance carriers: Blue Cross Blue Shield, Anthem, Aetna, Cigna, Oscar, Oxford Health Plans, and UnitedHealthCare. However, availability is not uniform across all states or for all services. As of August 2026, these carriers are in-network in the following states: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, and Wisconsin.

Important exceptions exist within this network. In Michigan and Pennsylvania, Cigna is not accepted for therapy services. In Wisconsin, Cigna is not accepted for either therapy or assessments. In New Jersey, Prosper only serves clients who are 21 and older. In Idaho, most Blue Cross Blue Shield insurance plans are not accepted for therapy services. The company notes it is "continually expanding our insurance options to make care more accessible."

For self-pay clients without in-network insurance, therapy sessions cost $125 per session. The complete diagnostic assessment costs $950, which can be split into three separate payments of $316.67 each. The company's stated position is that most clients pay less than $80, which aligns with the co-insurance rates for those with in-network coverage; actual out-of-pocket costs will depend on individual insurance plans.

Clinical approach and research foundation

Prosper Health describes its clinical approach as "autism-specialized," "neurodiversity-affirming," and "personalized." The company states that its "intervention protocols build on over 30 years of peer-reviewed research and developed in collaboration with faculty from Yale and Northwestern." It employs "validated, evidence-based approaches and standardized outcome measures to ensure efficacy." The service takes what it calls a "strength-based approach" rather than a deficit model, celebrating "the differences in the way people think."

The company addresses conditions commonly overlapping with autism in adults, including anxiety and depression, trauma and PTSD, processing and understanding a late diagnosis, autistic burnout, executive functioning challenges, social or relationship difficulties, life transitions and entering adulthood, sensory management, and emotional regulation. While the company's primary focus is autism, it positions these services as adapted to the specific needs of autistic clients.

What is not stated

Prosper Health does not publish typical session frequency, expected total duration of therapy, or whether there are any contracts or minimum commitments for ongoing therapy. The pages do not specify how long a typical diagnostic evaluation takes or what the exact assessment process entails beyond "comprehensive." They do not detail crisis support or emergency availability; the company includes a disclaimer that it is "not an emergency provider" and directs crisis situations to the 988 Suicide and Crisis Lifeline.

The company does not clarify the difference between "Oxford" insurance (listed separately from other carriers) and whether this refers to a specific regional product. It does not provide clinician credentials beyond listing staff titles (Psychologist, Therapist) and notable leadership's academic affiliations. The pages do not explain how Prosper determines medical necessity for insurance coverage or what appeals process exists if a claim is denied. They also do not detail whether medication management is available or how psychiatric consultation would be coordinated if needed.

Who it fits

Prosper Health is purpose-built for autistic adults seeking diagnosis or therapy. It serves people with autism who want clinicians trained and experienced in autistic-specific treatment rather than general mental health providers. It is a good fit for adults who received their autism diagnosis late and want to process that identity with a knowledgeable provider, as well as those experiencing autistic burnout or struggling with executive functioning, sensory management, or relationships in ways tied to autism.

The service works for tech-comfortable adults with reliable internet access and the flexibility for virtual appointments. It serves people with in-network insurance from the supported carriers in supported states, as well as self-pay clients who can afford $125 per therapy session or $950 for a complete diagnostic evaluation.

The service is not designed for emergency psychiatric situations, children seeking autism diagnosis (Prosper focuses on adults only), or people outside its geographic insurance network without the resources for self-pay rates. It is not a fit for non-autistic individuals seeking general mental health care; the entire platform is built around neurodivergence-specific treatment. It is also not suitable for those without reliable internet access or those uncomfortable with exclusively virtual care.