Payment & Financial Support

Affordable Online Therapy for Every Budget

Q: Does Helen's Project accept insurance?

Yes. Helen's Project accepts all major private and public insurance plans — including Aetna, Cigna, BlueCross BlueShield, UnitedHealthcare, Humana, Optum, Medicare, Medicaid, Ambetter, and Baylor Scott & White. Coverage is verified before your first session.

Q: How do I know what I'll actually pay for therapy?

Helen's Project verifies your insurance benefits before your first session so you have a clear idea of your co-pay, deductible, or any out-of-pocket costs. If anything changes, the billing team notifies you right away.

Q: Can I switch between insurance and self-pay?

Yes. You can switch payment methods at any time. Helen's Project recommends notifying the billing team in advance to avoid claim conflicts or billing delays.

Q: Will my insurance plan cover telehealth therapy?

In most cases, yes. Nearly all major insurers cover online therapy at the same rate as in-person care. Helen's Project verifies your benefits before your first session so you know exactly what's covered.

Q: What if my insurance isn't on the accepted list?

Helen's Project regularly adds new payers and can often work with out-of-network plans by providing a superbill for partial reimbursement. Reach out and we'll let you know what we can do.

Q: How does One Session. Two Healed. work?

One Session. Two Healed. is a pay-it-forward program — every session purchased at Helen's Project funds one for a person or family in need. Apply directly on the website. Our reception team will reach out to schedule your appointment.

Q: Do you offer superbills for out-of-network reimbursement?

Yes. Helen's Project provides superbills (itemized receipts) you can submit to your insurance for partial reimbursement under your out-of-network mental-health benefits.

Q: What happens if I get a bill after my session?

A bill after a session usually means insurance claims are still processing or your deductible hasn't been met yet. Helen's Project recommends waiting for your Explanation of Benefits (EOB). The billing team can help review anything that looks unclear.

Mental-health care at Helen's Project should be accessible — without confusion, long waitlists, or financial barriers. Pick the option that fits your situation.

No one is turned away for inability to pay

Most common

Use Your Insurance

We accept all major private and public plans. Our team verifies your coverage before your first session.

See accepted plans

Most flexible

Cash Pay Membership

The Reserve — starting at $99/mo (37% below national avg). Flexible clinician access, no insurance constraints.

View pricing

Need help paying

Heal It Forward

One Session. Two Healed. — pay it forward in therapy. One session purchased funds one for a person or family in need. Apply directly and our reception team will reach out.

Apply now

10+

Major insurers

EAP partners

Directory listings

10+

States · virtual care

100% telehealth — secure video from your phone or laptop. Coverage verified before your first visit.

Use Your Insurance · Telehealth

Online Therapy With Insurance — Telehealth Across 10+ States

All sessions at Helen's Project are 100% online — secure telehealth video from your phone or laptop, no commute. We accept a growing list of insurance plans across multiple states and verify your benefits before your first visit.

Online video sessions In-network billing No surprise fees Pre-visit verification

Book a Session Ask About Coverage

We accept all major private and public insurance

Coverage varies by plan and clinician. We confirm your benefits as part of your intake when you schedule.

EAP Referral Partners

Bill through your employer's assistance program.

Selected Partners for a better experience

Find us on the directories and platforms therapy-seekers trust.

The Reserve · Cash-Pay Membership

Affordable Cash-Pay Therapy That Fits Your Life

The premium membership tier of Helen's Project. Pre-paid monthly sessions with full clinician flexibility — no insurance constraints. Founding rates lock in permanently when you join now.

Essential

Begin your care

$99/mo

$99/session · 37% below national avg. Founding rate locked for life — $119/mo after founding window.

1 therapy session / month (38 min)
Clinician flexibility — attend with any provider
Async messaging (non-emergency)
Member resource portal
Basic care coordination

Get started

Cancel anytime · founding rate locked

Heal It Forward

Pay it forward in therapy — one session purchased funds one for a person or family in need. Apply directly on our website. Our reception team will reach out to schedule your appointment.

Apply Now Learn the full story →

How it works

3 Steps to Get Started

Apply directly on our website. Our reception team will reach out and get you scheduled.

Apply directly on the website

Fill out the form — no prerequisites, no paperwork up front.

Our reception team reaches out to you

We review your application and contact you directly to confirm next steps.

Schedule your appointment and begin care

Get matched with a provider and begin your care — funded by the One Session. Two Healed. program.

Want to directly fund care for a person or family in need? Donate to Heal It Forward →

Insurance & Billing FAQ

Common Questions About Affordable Therapy

Short answers to the questions we hear most often about insurance, telehealth pricing, and the Heal It Forward program.

Does Helen's Project accept insurance?

Yes. We accept all major private and public insurance plans — including Aetna, Cigna, BlueCross BlueShield, UnitedHealthcare, Humana, Optum, Medicare, Medicaid, Ambetter, and Baylor Scott & White. See the full list above. Once you schedule, we confirm your benefits before your first session.

How much does online therapy cost?

With insurance, most members pay only their plan copay. Cash-pay membership starts at $99/month ($99/session — 37% below the national telehealth average). For those who qualify, care is available through One Session. Two Healed. — funded by every session purchased.

How do I know what I’ll actually pay for therapy?

We verify your insurance benefits before your first session so you’ll have a clear idea of your co-pay, deductible, or any out-of-pocket costs. If anything changes, we’ll let you know right away.

Can I switch between insurance and self-pay?

Yes. You can switch payment methods at any time. We just recommend notifying billing in advance so we can avoid claim conflicts or billing delays.

Will my insurance plan cover telehealth therapy?

In most cases, yes. Since the pandemic, nearly all major insurers cover online therapy at the same rate as in-person care. We verify your benefits before your first session so you know exactly what's covered — no surprise bills.

What if my insurance isn't on the list?

Reach out anyway. We add new payers regularly, and we can often work with out-of-network plans by providing a superbill for partial reimbursement. Contact us and we'll let you know what we can do.

How does One Session. Two Healed. work?

One Session. Two Healed. is our pay-it-forward program — every session purchased at Helen’s Project funds one for a person or family in need. Apply directly on the website. Our reception team will reach out to schedule your appointment.

Do you offer superbills for out-of-network reimbursement?

Yes. If you're paying out-of-pocket, we provide superbills (itemized receipts) you can submit to your insurance for partial reimbursement under your out-of-network mental-health benefits.

What happens if I get a bill after my session?

This usually happens while insurance claims are still processing or if a deductible hasn’t been met yet. We recommend waiting for your Explanation of Benefits (EOB), and our billing team can help review anything that looks unclear.

Why might a claim be denied?

Common reasons include eligibility issues, out-of-network status, missing referrals, or plan limitations. If a denial occurs, we review it and help identify next steps, including resubmission or available patient options.

What's the cancellation or no-show policy?

Sessions cancelled less than 1 hour in advance, or no-shows, may be billed a standard cancellation fee. Members in the One Session. Two Healed. program receive an automatic grace policy — life happens, we work with you.

Still unsure?

Talk to a real person.

If you're not sure which option fits your situation, send us a message. We'll help you figure it out — there's no pressure to commit.

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