Headway

Check my benefits

Does my insurance cover therapy?

When you see a therapist through Headway, you'll pay more like $20 – $50 rather than the standard $200 – $300. Enter your insurance details to get an exact price.

Check my benefits
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Get more from insurance

Find affordable, in-network care

Save money on therapy using your insurance plan’s mental health benefits. Find therapists who accept your insurance through Headway.

81%
Average savings per appointment
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People saving on therapy using Headway
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Therapists and Psychiatrists
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Appointments facilitated

Getting started

How it works

  1. Enter your insurance details to see how much you’ll pay out-of-pocket for therapy.

  2. Find a therapist and book a session right on Headway.

  3. No unexpected bills or rejected insurance claims. You only pay us what you owe, after the session. We’ll handle the rest.

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Insurances accepted

Use your insurance for therapy

Most therapists don't accept insurance. With Headway, you can use your Aetna, United, Cigna, Oscar, and Oxford insurance plans to pay for therapy with more insurance partners coming soon.

Frequently asked questions

Many insurance plans now include mental health benefits that cover therapy. We look up your benefits to check if your plan covers therapy, and you can reference your plan’s Explanation of Benefits or contact your insurance company for more details. If your plan covers therapy, you’ll want to find a therapist who is in-network with your insurance to make the most of your benefits.
The cost of a therapy session depends on a few things: your individual insurance plan, the therapist’s training, location, and session length. We use your insurance information to calculate your out-of-pocket price per session. You won’t be billed until after your session.
When you enter your insurance information and therapist preferences into the search tool, we’ll show you recommended therapists who accept your insurance and match your needs.

Therapists on Headway currently accept Aetna, Cigna, Oscar, Oxford, United Healthcare, and all Optum affiliates. If we’re not taking your insurance yet, keep an eye out. We’re growing quickly and partnering with even more insurance companies to bring affordable mental health care to everyone.

Please note: if your plan is affiliated with Medicaid or Medicare, we will not be able to accept your insurance at this time. Reach out to us if you’re looking for some resources. We’re happy to send over some options that work with your plan.

Your payment information is required to book a session, but you won’t be charged until after the session has occurred. Before the session, your payment information is only used to ensure that session payments and no-show fees can be collected.

If your sessions are covered entirely by insurance, we still ask for a payment method in case of any cancellation fees, which are always communicated ahead of time.

Headway is completely free to use. We provide in-network therapist recommendations and appointment slots at no cost to you. You’ll only pay for therapy, never for using Headway.

Ready to find a therapist?

Find your therapist from our diverse community of 1,800+ mental health care providers that take your insurance.


If you're experiencing emotional distress, the resources below provide free and confidential support 24/7. If this is an emergency, call 911.
Suicide Prevention Lifeline
Call 1-800-273-8255
Crisis Text Line
Text HOME to 741741