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Top 5 Online Couples Therapy Options That Accept Insurance

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Top 5 Online Couples Therapy Options That Accept Insurance

With more and more therapy moving online, finding affordable counseling shouldn’t be difficult. However, knowing which online options work with your insurance can be a challenge. This guide explores the top 5 online couples therapy providers that accept various insurance plans.

We’ll look at the services each offers, what insurance companies they partner with, and key things to consider when choosing virtual counseling.

Let’s get started!

1. TalkSpace

TalkSpace has become a household name for convenient and affordable therapy through text, calls, or video. One of their core services is couples counseling.

With TalkSpace for couples, you both can message with a licensed therapist daily and schedule video conferences as needed. Therapists are experienced in areas like communication, conflict resolution, intimacy issues, and more.

In terms of insurance, TalkSpace has the widest acceptance compared to other teletherapy options. They are currently in-network providers for many major plans like:

  • Aetna
  • Cigna
  • UnitedHealthcare
  • Beacon Health Options
  • Humana
  • Optum

By partnering with so many insurers, TalkSpace ensures the lowest possible out-of-pocket costs for those with covered plans. Coinsurance or copays generally apply per session.

The convenience of messaging therapists from anywhere makes TalkSpace a top choice if flexibility is important. Just be aware response times may vary more than live video sessions.

2. Amwell

Amwell is a pioneer in telehealth that expanded into behavioral health, including couples counseling. What separates them is availability of live video therapy with licensed providers.

With Amwell for Couples, you and your partner can both attend video sessions from your preferred location – whether at home or on the go. Counselors are experienced handling all types of relationship issues.

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In terms of insurance, Amwell is in-network with:

  • Aetna
  • Anthem Blue Cross Blue Shield
  • Cigna
  • UnitedHealthcare
  • Empire BlueCross BlueShield

Being covered means potential lower out-of-pocket costs per therapist appointment. Coinsurance amounts apply based on your specific policy.

Amwell offers the peace of mind that comes with live, face-to-face counseling online. The trade-off is less flexibility than asynchronous messaging through TalkSpace.

3. ReGain

ReGain focuses specifically on relationship and couples counseling as its core service. What helps them stand out is personalized treatment packages and integration of therapy models.

With ReGain, you’ll be paired with a dedicated couples therapist. Then, your provider crafts an individualized treatment program based on your goals and challenges. Common techniques involve emotionally-focused therapy, cognitive behavioral therapy, and solution-focused brief therapy.

In terms of in-network providers, ReGain currently accepts:

  • Aetna
  • Cigna
  • UnitedHealthcare

This means lower upfront costs for insured customers versus paying entirely out-of-pocket. Deductibles or coinsurance amounts still apply depending on the policy.

ReGain ensures a tailored therapeutic approach within each video or chat session. However, the network is smaller than TalkSpace or Amwell for maximum insurance compatibility.

4. Regain

Regain takes a hybrid approach to couples counseling by offering both online and in-person services. This appeals to those who may want occasional face-to-face sessions in addition to virtual care.

With Regain’s program, the therapist first meets with you both online to evaluate needs and goals. Then, a customized treatment combination of online and local office visits is created. Experienced counselors handle issues like parenting conflicts, affairs, and lifestyle stresses.

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In terms of insurance, Regain is considered an in-network provider for:

  • Aetna
  • Cigna
  • UnitedHealthcare

Being in-network means potential lower out-of-pocket costs for insured members. The usual deductibles and coinsurances still apply per session.

Regain proves convenient by blending asynchronous messaging with periodic live sessions. However, availability of local in-person visits depends on your region compared to fully telehealth options.

5. OpenPath Collective

OpenPath Collective takes a unique approach by maintaining a large independent network of affordable therapists nationwide. Their focus is on low-cost counseling regardless of insurance status or ability to pay.

With OpenPath for couples, you can search their directory for nearby licensed counselors experienced in relationship issues. Prices are significantly lower than traditional private pay rates, usually $30-60 per session.

In terms of insurance, while OpenPath isn’t directly “in-network,” you can check individual therapists’ ability to file claims on your behalf at minimal additional cost per visit. In other words, it may still be possible to receive some insurance reimbursement post-session.

OpenPath makes therapy affordable for those without coverage or with high deductible plans. However, you won’t get negotiated rates like with in-network telehealth companies. Also, video counseling isn’t guaranteed through all providers. But it remains worth considering for accessible mental health care.

Wrapping Up

Now that we’ve covered the top insurance-accepting online couples therapy options, there are several factors to weigh when selecting the right match. Things like:

Insurance network compatibility: Ensures lowest possible costs by using in-network providers. Treatment approach: Comparing therapy modalities like CBT vs. EFT for your specific issues

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Session format: Video, messaging or hybrid for optimal connection and privacy needs. Therapist experience: With relationships, LGBTQ issues, parenting, affairs, etc. based on your situation

Costs: Understanding exact copays/coinsurances and out-of-pocket maximum versus private pay rates. Flexibility: Scheduling live vs. asynchronous care around your lifestyle. Reviews: Checking client experiences and satisfaction with various programs

While this guide covered top industry leaders, also consider smaller local therapists too. You want providers tailored to your needs, not limited by broad generalizations.

Finding the right virtual relationship therapy is an important first step to improving communication, solving problems, and strengthening your connection for the future.

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