Pricing & Insurance

4.9 out of 5 — 12,400+ clients

Therapy you can actually afford.

Most major insurance accepted, transparent self-pay rates, and zero subscription fees. We verify your coverage before your first session — so you know exactly what you'll pay.

Ways to pay

Most popular

Use your insurance

$15–$50

per session, on average

We're in-network with most major U.S. insurance plans. We verify your coverage and copay before your first session — no surprise bills.

  • Most clients pay only a copay
  • Coverage verified during matching
  • Itemized superbills for out-of-network reimbursement
No insurance

Pay out of pocket

$95–$165

per 50-minute session

Transparent self-pay rates that vary by therapist credentials and location. See your therapist's exact rate before you book.

  • No subscription or membership fees
  • Pay per session — pause or stop anytime
  • HSA and FSA cards accepted
Specialty

Couples & teen care

$120–$200

per session, varies by length

50- and 80-minute couples sessions and dedicated teen therapy with specialty-trained clinicians. Insurance often applies.

  • Same therapist throughout your care
  • 80-minute couples intensives available
  • Optional parent coordination for teen care
In-network

Plans we work with.

A sample of the carriers we're in-network with. Coverage varies by therapist and state — we'll confirm yours during matching.

AetnaAnthem BCBSBlue Cross Blue ShieldCignaUnitedHealthcareOptumHumanaKaiser PermanenteMagellanOscarQuartzDean Health Plan

Don't see your carrier? Plenty of regional plans aren't shown here — check during matching, or pay self-pay and use a superbill for out-of-network reimbursement.

What's included

Every plan, every client.

Licensed clinicians, vetted

Every therapist is independently licensed and credentialed. No interns, no life coaches.

Insurance verified up front

We confirm in-network status and your specific copay before you ever sit down.

No hidden or surprise fees

What you see during matching is what you pay. Itemized receipts every time.

Switch therapists anytime

Free re-matching whenever you need it — no awkward conversations, no extra cost.

Pricing FAQ

Common questions about cost.

How much will I actually pay with insurance?
Most clients with in-network insurance pay only their copay, which typically ranges from $15 to $50 per session. During matching we run a real-time benefits check on your specific plan and tell you the exact dollar amount before your first session — no estimates, no surprise bills.
Which insurance plans are you in-network with?
We're in-network with most major U.S. carriers, including Aetna, Anthem and Blue Cross Blue Shield, Cigna, UnitedHealthcare / Optum, Humana, Kaiser, Magellan, and many regional plans like Quartz and Dean Health Plan. Coverage varies by therapist and state, so we always confirm with your specific plan during matching.
What if my plan isn't in-network?
You can still see any ThriveTalk therapist at our self-pay rate. We'll provide a monthly itemized superbill you can submit to your insurance for out-of-network reimbursement, which often covers 40–70% of the session fee.
Do you accept HSA, FSA, or HRA cards?
Yes. Therapy is a qualified medical expense, and ThriveTalk sessions can be paid for with HSA, FSA, or HRA cards. We provide receipts coded for healthcare reimbursement.
Are there any subscription or membership fees?
No. ThriveTalk is pay-per-session — you're never locked into a subscription, and there's no monthly fee on top of your session cost. Pause or stop care anytime.
What's your cancellation policy?
Sessions cancelled at least 24 hours in advance are free. Late cancellations and no-shows may be charged the full self-pay rate, since insurance can't be billed for missed sessions. Your therapist will go over their specific policy at intake.
See all FAQs

Get matched and check your coverage.

Take our brief assessment — we'll verify your insurance and quote your exact copay before your first session.

View pricing

Free matching • Cancel anytime • Secure & confidential