Insurance & Cost
How much does online therapy cost?
It depends on your insurance. In-network telehealth costs the same as an office visit: your plan's copay, coinsurance, or deductible amount, which we verify before you book. Out of pocket at MindView Therapy, an online individual session is $175 with an LMHC or $125 with a limited permit clinician, with intakes at $200 and $175. Sliding scale rates are available, and telehealth is billed exactly like in-person care.
Updated July 29, 2026
MindView’s out-of-pocket telehealth rates
| Session | LMHC | Limited permit clinician |
|---|---|---|
| Intake and evaluation (first session) | $200 | $175 |
| Individual session (60 minutes) | $175 | $125 |
Telehealth and in-office sessions cost the same; the rate depends on the clinician, not the format. Sliding scale rates are available based on financial need. Ask when you book.
If you have insurance, none of these numbers apply. Every plan we accept covers our telehealth sessions, and your cost is your plan’s copay, coinsurance, or deductible amount instead. We verify your benefits and tell you your per-session cost before your first appointment, so you decide with the real number in front of you.
Why nobody can quote you a price over the phone
The most frustrating part of pricing therapy is that the honest answer to “what will this cost me” is a question back: what does your plan say? That is not evasion. It is how the billing actually works.
A therapy session generates a claim. The claim carries a code for the type of visit and a fee the practice charges. Your insurer does not pay that charged amount. It pays a contracted rate it negotiated with the practice, and then it splits that contracted rate between itself and you according to the rules of your specific plan. The practice never sets your share. The plan does.
That is why two people sitting in the same virtual waiting room, both with a card from the same insurer, can pay wildly different amounts for the identical session. One has a plan through a large employer with a flat behavioral health copay that starts on day one. The other has a high-deductible plan and will pay the full contracted rate for several sessions before coverage kicks in. Same insurer. Same therapist. Different plan design.
The four numbers that actually determine your cost
When you call your plan, or when we run the check for you, four things decide what you pay per session.
Your deductible, and whether behavioral health is subject to it. Some plans exempt outpatient mental health from the deductible entirely and go straight to a copay. Others do not. If yours does not, your early sessions cost more than your later ones, and the number drops once the deductible is satisfied.
Copay versus coinsurance. A copay is a fixed dollar amount per visit and it makes budgeting simple. Coinsurance is a percentage of the contracted rate, which means you cannot know your dollar cost until you know what the contracted rate is. Ask which one your plan uses. It changes how you should plan for a weekly commitment.
Your out-of-pocket maximum. This is the ceiling. Once you hit it, the plan covers the rest of the year. For someone in weekly therapy alongside other medical care, this number matters more than people expect, and it is the reason costs often fall partway through a year.
Whether your plan year resets in January. Deductibles reset. A session in December and the same session in January can cost different amounts for no reason other than the calendar.
What trips people up
The single most common surprise is the deductible reset. Someone finishes a year paying a small copay, comes back in January expecting the same, and gets a bill for the full contracted rate. Nothing changed except the plan year.
The second is assuming a lower advertised price means lower total cost. Subscription platforms quote a monthly figure that looks smaller than a session fee. Compare what you actually get: a full weekly session with a clinician licensed in your state is a different product from message access with brief check-ins. And if you have in-network benefits, using them almost always costs less than paying a subscription out of pocket, because your plan is absorbing most of the contracted rate.
The third is not asking about telehealth specifically. Most plans treat a video session identically to an office visit, but a small number handle it under different terms. That distinction is exactly what a benefits check exists to catch. See whether insurance covers online therapy for how coverage rules work in New York.
What we verify before you ever pay anything
Before your first session, we contact your plan and confirm your behavioral health benefits: whether telehealth is covered at the same level as an office visit, whether a deductible applies and how much of it remains, and what your copay or coinsurance per session comes to. Then we tell you the number. You decide with that in hand, not after the first statement arrives.
If the number is still too much, say so. Sliding scale rates exist for exactly this, and they are easier to arrange before you start than after. If you are weighing this against couples work, the rates differ, and what couples therapy costs covers that separately.
Deciding without a surprise bill
Cost should be a known quantity before you commit to a weekly hour, not something you learn from a statement six weeks in. Call (646) 493-4007 and ask us to run your benefits, or start at booking and we will run the check before your first appointment is confirmed. Either way, you will have a real per-session figure before anything is billed.
You do not have to figure this out alone.
Choose a time and book. It takes about 30 seconds. Opens our secure client portal.
Common questions
How much is online therapy with insurance?
Whatever your plan charges for an in-network office visit, because telehealth is billed as the same service. That means your copay or coinsurance, with any unmet deductible applying first, and the amount is set by your plan, not the therapist. MindView verifies your telehealth benefits before your first session and tells you your exact cost per visit.
How much is online therapy without insurance?
At MindView, an out-of-pocket individual session is $175 with an LMHC or $125 with a limited permit clinician; the first intake and evaluation session is $200 or $175. Sliding scale rates are available based on financial need. These fees apply only when you pay directly; with insurance, your plan's copay, coinsurance, or deductible replaces them.
Is online therapy cheaper than in-person therapy?
Per session, usually not; most practices, including MindView, bill telehealth and office visits identically, and insurers treat them as the same service. Where online saves real money is everything around the session: no commute, no parking, no childcare for the hour, and no time off work. For a weekly commitment those costs add up faster than the fee.
Are subscription therapy apps cheaper than using insurance?
Often not, once coverage is factored in. Subscription apps bill your card directly and insurance rarely covers them, while sessions at an in-network practice run through your behavioral health benefits, so you pay a copay or coinsurance instead of the full price. Apps also often sell messaging access with shorter live sessions rather than a full weekly psychotherapy session with a therapist licensed in your state.
Keep reading
Insurance & Cost
Does health insurance cover online therapy?
Usually, yes. Most major health insurance plans now cover online therapy with a licensed therapist the same way they cover office visits, with the same copay or coinsurance. New York requires state-regulated plans to cover telehealth services that would be covered in person, and Medicare covers mental health telehealth including sessions from home. Every plan MindView Therapy accepts covers our telehealth sessions, and we verify your benefits before you book.
Insurance & Cost
How much does couples therapy cost?
It depends on your insurance. With an in-network plan, you pay your plan's copay, coinsurance, or deductible amount rather than the session fee. Out of pocket at MindView Therapy, a 60-minute couples session is $200 with an LMHC or $150 with a limited permit clinician, with a first-session intake at $225 or $200. Sliding scale rates are available, and we confirm your exact cost before your first session.
Insurance & Cost
Does insurance cover marriage counseling in Indiana?
Often, yes. Most Indiana plans cover marriage counseling when the sessions are part of one partner's mental health care, though some plans exclude relationship counseling on its own. Coverage depends on your specific plan, not just the insurer's name. In Indiana, MindView Therapy is in-network with Anthem Blue Cross and Blue Shield, Cigna, and Aetna, and we verify your couples coverage before your first session, so you know before you book.
Take the first step
You do not have to figure this out alone. Booking takes about 30 seconds.