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Finding Online Therapy: What to Know Before You Choose
A practical guide to finding online therapy — the types of services available, typical costs, insurance, how to check credentials and privacy, and when online care isn’t the right fit.
Ways to access online therapy
- Subscription therapy platforms: match you with a therapist and bill weekly or monthly. Some accept insurance.
- Insurance-network telehealth: your insurer’s directory may list therapists who offer video sessions.
- Local private practices: many therapists offer video appointments, which can be useful if you later want to meet in person.
- Employer or school programs: Employee Assistance Programs and campus counseling often offer free short-term sessions.
What it typically costs
Costs vary widely by provider, location and format. Out-of-pocket prices for private sessions and subscription plans can differ substantially, and insurance copays depend on your plan. Always check the total monthly cost and cancellation terms before you begin.
What to look for
- Licensed professionals (for example LPC, LCSW, LMFT, psychologist) who can practice in your state or country
- Transparent pricing and easy cancellation
- Clear privacy practices — including whether data is shared for advertising
- Ability to choose or switch therapists
- A clear crisis policy
When online therapy may not be the right fit
If you are in crisis, have severe symptoms, or need close monitoring, in-person or more intensive care may be more appropriate. See Get Help Now for urgent support.
Next steps
Learn how online therapy works, compare online therapy services, or read how to find the right therapist.
Best Online Therapy Services — How to Compare Your Options
How online therapy services compare on cost, credentials, privacy and fit.
Updated Sep 2026
When to seek professional help
Consider talking with a doctor or licensed mental health professional if symptomslast for more than two weeks, keep coming back, or make it harder to manage work, school, relationships or daily tasks. You don’t need to wait until things feel severe — getting support early often makes things easier.
If you’re thinking about harming yourself or are in immediate danger, call your local emergency number. In the US, call or text 988 (Suicide & Crisis Lifeline).Crisis resources in other countries.
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About this article
Written by
ExploreMentalHealth Editorial Team
Our editors research and write every article using government health agencies, professional medical organizations and peer-reviewed research, following our published editorial standards.
- First published
- September 16, 2026
- Last updated
- September 23, 2026
- Last medically reviewed
- Review pending