Find out how much therapy costs based on your insurance
Share your insurance information for a personalized overview of your out-of-pocket cost for therapy or psychiatry
How it works
Your journey to mental well-being gets easier from here
Get a personalized estimate
Submit your details to receive a clear breakdown of your cost per session
Explore your matches
Browse the profiles of licensed, in-network providers who match your preferences.
Schedule your visit
Choose your preferred time and meet with your provider as soon as tomorrow.
Join your online session
Connect with your provider over live video from wherever you feel comfortable.
Quality care, covered by insurance.
Rula has helped hundreds of thousands of people access affordable, quality, in-network therapy.
100+
insurance plans accepted
170M+
people have access to in-network care through Rula
$15
average copay when using insurance
21,000+
providers representing a diverse range of backgrounds
Thousands of 5-star reviews.
Our insurance connected us with Rula and the experience has been amazing. We could not be more grateful and appreciative to my son’s therapist.
Rula patient
Child & teen therapy
Easy to find a therapist who specializes in the area I need, has desired qualifications, takes my insurance, has availability. A huge bonus is easy billing/payments and a straightforward platform for my online appointments. Rula is doing everything right!
Rula patient
Individual therapy
Rula allows me to choose the therapist I would like to speak with. It's easy to use and easy to make appointments. There's a therapist for everyone.
Rula patient
Finding mental healthcare through insurance can be a daunting task, but Rula made it easy to find a therapist who meets my needs and takes my insurance.
Rula patient
Paying for therapy and psychiatry
Yes! Therapists in Rula’s network accept insurance, and Rula is in-network with most major insurance plans.
Rula accepts 100+ insurance plans including Aetna, Anthem, most Blue Cross and/or Blue Shield plans, Cigna, Kaiser (by referral), Optum, Oscar, and United Healthcare. Coverage varies depending on where you live, but you can request a personalized cost estimate above to receive an overview of your coverage and benefits.
Rula patients pay an average of $15 per session using insurance, although your individual cost may vary based on your insurance benefits and deductible. Request a personalized cost estimate above to receive an overview of your coverage and benefits.
Rula does not charge any fees – and there is no monthly subscription. When using Rula, you’re only responsible for the out-of-pocket expenses determined by your insurance – in other words, if your plan requires a $20 copay, that’s the most you would pay.
Although Rula is in-network with most major insurance plans, we understand that not everyone is covered by insurance.
That’s why Rula also offers a self-pay rate of $150/session for individual therapy and $165/session for families or couples. For psychiatry, the self-pay rate is $225 for an initial 60-minute intake session and $175/session for 30-minute follow-up sessions.
Yes! You can use your HSA (Health Savings Account) or FSA (Flexible Savings Account) to cover out-of-pocket expenses.
You’ll have the option to enter your card as the payment method on file, or you may submit a receipt to your HSA/FSA provider for reimbursement.
Other Questions
If our team needs to conduct a manual review of your benefits, it may take a few days to receive your personalized out-of-pocket cost overview. If you're interested in booking an appointment or exploring providers in the meantime, get started here.
Absolutely not! If you're ready to move forward, you can use the unique scheduling link in the welcome email you received from Rula to explore providers and schedule an appointment. You can also explore our directory here.
Rula’s network of 15,000+ licensed providers represent more than 90 clinical specialties and a diverse range of backgrounds – making it easier to find someone you connect with and who accepts your insurance.
Click here to start exploring therapists or psychiatrists who are licensed in your state, accepting new patients, and match your preferences.
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