Insurance

Top-notch mental health care, with insurance

Get personalized therapy and psychiatry online. Major insurance accepted, including Medicare.

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Check your insurance before you begin.

AFFORDABLE Care FOR EVERYONE

More affordable care. Better mental health.

Quality care shouldn’t be out of reach for anyone. We’re always adding new insurance so you can get the personalized treatment you deserve, affordably.

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World-class providers

Get 1:1 support from highly experienced providers who truly care about you.

older woman sitting on the floor looking at phone

Flexible appointments

Nights. Weekends. Lunch breaks. Get care when you need it—from wherever you are.

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Life-changing care

With personalized treatment, 9 out of 10 Brightside members get better within 12 weeks.

Take the next step with a free eligibility check.

get started with insurance

Here’s how it works

Check insurance

Start with a free eligibility check to see if your insurance is accepted.

Quick assessment

Answer a few questions about yourself so we can better understand your needs.

Choose your provider

Find a time for your first appointment with your expert provider.

Start getting better

Begin your personalized treatment & track progress, with support by your side.

Quality mental health care is our standard.

Our care is proven to help you get better, no matter what you’re going through.

55

of Brightside members start with moderate to severe symptoms

2 days

is the typical time until the first appointment

66

of our members get better within just 12 weeks

80

of our providers are carefully selected through a rigorous vetting & hiring process

“I didn’t know that this type of mental health support was available online until I found Brightside.”

Chelle T.

MORE WAYS TO PAY

You have options for more affordable care.

Your insurance may cover all or part of Brightside’s care. For any remaining costs (or if you’re not covered), we offer payment options.

Start with a free assessment

We’ll check your insurance eligibility during your free assessment.

HSA/FSA

Pay for copays, bills, or prescriptions with your pre-tax savings account. We accept both HSA or FSA cards.

Self-pay

Not covered or don’t have insurance? That’s okay. We offer affordable self-pay options with credit/debit for as little as $95/month. .

Reimbursement

If you have insurance that doesn’t cover Brightside, you can request a superbill (an itemized list of your care) to send to your insurance for possible reimbursement.

Insurance can be confusing. Let’s break it down.

You may see these common insurance terms around. For your exact costs, reach out to your insurance company directly.

 

Claim

A claim is a request for payment sent to your insurance. This can be made by your provider or you. At Brightside, we handle this for you when you pay with insurance.

For example, after you have an appointment with a Brightside provider, you might see that a “claim is processing” on your insurance account. Once processed, you’ll receive any bills from Brightside for your out-of-pocket cost.

Coverage

“You’re covered.” “Your insurance covers treatment.” “Check your coverage.” You may hear all of these phrases, but what does coverage mean?

Coverage refers to when care is included—meaning your insurance will pay for all or some of the cost. At Brightside, we partner with insurance companies so that our care is covered and more affordable.

Copay

A copay (or copayment) is a flat charge you pay every time you see your provider. This is charged by your insurance when they are covering your care.

Copay amounts vary from plan to plan. You may have a different copay for seeing a Brightside provider than you will for picking up a prescription at the pharmacy or going to urgent care.

Deductible

A deductible is the amount of money you pay towards health care costs each year before your insurance starts paying. This amount is set by your plan.

 

Out-of-pocket cost

This refers to any payment you have to pay yourself. It includes your deductible, copays, coinsurance, and any payments made for care that wasn’t covered.

Out-of-pocket maximum

Your out-of-pocket maximum is set by your insurance company. It is the most amount of money you will pay during a year for coverage. It includes your copays, deductible, coinsurance, and premiums. Beyond this amount, your insurance will pay the rest of the expenses for the year.

Explanation of benefits

This is provided by your insurance and explains how a claim was paid. It contains detailed information about what your insurance company paid, and what costs (if any) you are responsible for paying.

It’s a good idea to call your insurance company if you need any help understanding an explanation of benefits.

Premium

A premium is the amount you or your employer pay each month for your insurance.

Coinsurance

Coinsurance is the amount you pay to share the cost of care with your insurance company. This happens after your deductible has been paid. For example, your insurance may cover 80% of costs but you pay 20%.

HSA/FSA

A Health Savings Account (HSA) or Flexible Savings Account (FSA) is a savings account that lets you put pre-tax money aside for eligible medical expenses.

This could include doctor appointments, prescriptions, and therapy sessions. Depending on your account, you may be able to pay for Brightside with your HSA or FSA.

Real stories.
Real results.

Read More Reviews

“A literal life saver. So convenient, so effective, and more involved/high touch than my former psychiatrist was. I should have done this a year sooner.”

Melissa K.

“Brightside has made such a huge improvement on my quality of life. The ease of access, the convenience of the med delivery, and the intelligent check in scoring system all contribute to a next level quality of care.”

Kayla S.

“My provider has answered every question I’ve had, listened to worries and concerns and symptoms, assured me and is truly invested in my quality of care. I’ve gone from moderate-severe depression to mild depression in just 2 months.”

Anonymous

“I am so very grateful to have found Brightside. This is the most hopeful I have felt in maybe two years. Brightside isn't just working for me, it saved me. Brightside really turned may life around.”

Rachael B

“My life is so much better after starting with Brightside. My doctor truly cares about my well being and I’m just so grateful for this.”

Tyler K

Real stories.
Real results.

Read More Reviews

“A literal life saver. So convenient, so effective, and more involved/high touch than my former psychiatrist was. I should have done this a year sooner.”

Melissa K.

“Brightside has made such a huge improvement on my quality of life. The ease of access, the convenience of the med delivery, and the intelligent check in scoring system all contribute to a next level quality of care.”

Kayla S.

“My provider has answered every question I’ve had, listened to worries and concerns and symptoms, assured me and is truly invested in my quality of care. I’ve gone from moderate-severe depression to mild depression in just 2 months.”

Anonymous

“I am so very grateful to have found Brightside. This is the most hopeful I have felt in maybe two years. Brightside isn't just working for me, it saved me. Brightside really turned may life around.”

Rachael B

“My life is so much better after starting with Brightside. My doctor truly cares about my well being and I’m just so grateful for this.”

Tyler K

FREQUENTLY ASKED QUESTIONS

What’s on your mind?

If your question isn’t answered below, view our full list of FAQs here.

Your cost per appointment will depend on your insurance. We recommend that you talk to your insurance company directly to confirm your exact cost. If you’d like, you can get a personal cost estimate here.

Typically, you will pay a copay for each appointment—just like you would if you visited the doctor or urgent care. There may be other costs depending on whether you have a prescription, a remaining deductible, or coinsurance. Your insurance covers the rest.

When you pay with insurance, Brightside’s anytime messaging, proactive progress tracking, and self-guided video lessons are free.

Yes, you can get a personal cost estimate here. We also recommend that you talk to your insurance company directly to confirm your exact cost for Brightside, especially if the estimate says your information can’t be found. It may simply be that we’re unable to pull details from your insurance company.

Brightside currently accepts the following insurance:

  • Cigna (all states, except MN)
  • Aetna (nationwide)
  • UnitedHealthcare  (nationwide)
  • UnitedHealthcare Medicare Advantage (nationwide)
  • Allegiance (nationwide)
  • Meritain (nationwide)
  • Anthem (CA only)
  • Blue Cross Blue Shield of Texas
  • Blue Cross Blue Shield of Texas Medicare Advantage
  • Blue Cross Blue Shield of Montana
  • Blue Cross Blue Shield of Illinois
  • Florida Blue
  • Ambetter (AZ, DE, NE, OK, TX)
  • WellCare (AZ, DE, NE, OK, TX)
  • Traditional Medicare | Part B (AZ, CA, DE, NY, TX, WA)
  • PEHP (UT)

We’ve made sure our care is affordable even without insurance, and paying for Brightside directly with your card (credit, debit, or HSA/FSA) is always an option. Self-pay plans start at $95/month.

Coverage varies by state. We can check your insurance and confirm your eligibility during your free assessment.

When you pay with eligible insurance, you’re only responsible for your copays, coinsurance, deductible, associated with your plan—your insurance will cover the rest. The cost of any prescription medication may fall under your pharmacy benefits plan and may require an additional copay.

You’ll also have access to anytime messaging, proactive progress tracking, and self-guided lessons at no additional cost.

When you sign up for Brightside, we’ll provide you with a personal cost estimate. We also recommend that you contact your insurance company directly for exact costs and to confirm that your care at Brightside will be covered.

Typically, your insurance will start paying for your care after you hit your deductible. If your deductible is $1000, you may need to pay $1000 before your insurance starts paying.

Sometimes, your insurance will pay for care earlier—it all depends on the details of your plan. We recommend that you contact your insurance company directly for questions about your deductible.

We currently accept some Medicare plans:

  • UnitedHealthcare Medicare Advantage
  • Original Medicare (Part B)*

*In select states, more are coming soon.

We can check your eligibility when you sign up.

After each appointment, Brightside will submit claims for care to your insurance plan. When your insurance has processed the claim, they will send you an explanation of benefits (EOB). This will tell you what care was billed, what amount was covered by insurance, and what amount you owe (if any).

We will then send you an invoice outlining anything you owe and charge the credit card you have on file.

If you have questions about your coverage or exact costs, reach out to your insurance company directly for more information.

For other questions about your coverage, we’re here to help. Contact us to talk to a Member Support representative:
[email protected]
415.360.3348
Monday–Friday, 9am to 6pm ET

You may see these common insurance terms around. For your exact costs, reach out to your insurance company directly.

Claim
A claim is a request for payment sent to your insurance. This can be made by your provider or you. At Brightside, we handle this for you when you pay with insurance.

For example, after you have an appointment with a Brightside provider, you might see that a “claim is processing” on your insurance account. Once processed, you’ll receive any bills from Brightside for your out-of-pocket cost.

Coinsurance
Coinsurance is the amount you pay to share the cost of care with your insurance company. This happens after your deductible has been paid. For example, your insurance may cover 80% of costs but you pay 20%.

Copay
A copay (or copayment) is a flat charge you pay every time you see your provider. This is charged by your insurance when they are covering your care.

Copay amounts vary from plan to plan. You may have a different copay for seeing a Brightside provider than you will for picking up a prescription at the pharmacy or going to urgent care.

Coverage
“You’re covered.” “Your insurance covers treatment.” “Check your coverage.” You may hear all of these phrases, but what does coverage mean?

Coverage refers to when care is included—meaning your insurance will pay for all or some of the cost. At Brightside, we partner with insurance companies so that our care is covered and more affordable.

Deductible
A deductible is the amount of money you pay towards health care costs each year before your insurance starts paying. This amount is set by your plan.

Explanation of benefits
This is provided by your insurance and explains how a claim was paid. It contains detailed information about what your insurance company paid, and what costs (if any) you are responsible for paying.

It’s a good idea to call your insurance company if you need any help understanding an explanation of benefits.

HSA/FSA
A Health Savings Account (HSA) or Flexible Savings Account (FSA) is a savings account that lets you put pre-tax money aside for eligible medical expenses.

This could include doctor appointments, prescriptions, and therapy sessions. Depending on your account, you may be able to pay for Brightside with your HSA or FSA.

Out-of-pocket cost
This refers to any payment you have to pay yourself. It includes your deductible, copays, coinsurance, and any payments made for care that wasn’t covered.

Out-of-pocket maximum
Your out-of-pocket maximum is set by your insurance company. It is the most amount of money you will pay during a year for coverage. It includes your copays, deductible, coinsurance, and premiums. Beyond this amount, your insurance will pay the rest of the expenses for the year.

Premium
A premium is the amount you or your employer pay each month for your insurance.

741-741

If you’re in emotional distress, text HOME to connect with a counselor immediately.

988

Call or text the National Suicide Prevention Lifeline for 24/7 emotional support.

911

If you’re having a medical or mental health emergency, call 911 or go to your local ER.