Online-Therapy.com lists its prices per week but bills monthly, which can make the real cost confusing. Below is every plan in plain numbers, what you actually get for the money, how the 20% first-month discount works, and ways to lower the cost with HSA/FSA funds or financial aid.
OUR PICK
Quick answer
- Basic: $48/week first month, then $60/week (messaging + CBT program)
- Standard: $72/week first month, then $90/week (1 live session/week)
- Premium: $96/week first month, then $120/week (2 live sessions/week)
- Couples: $96/week first month, then $120/week
- Billed monthly · 20% off the first month (code THERAPY20) · cancel anytime
Sponsored link · 20% off your first month with code THERAPY20
Online-Therapy.com plans and prices (2026)
| Plan | First month (20% off) | Regular price | Approx. per month* | Live sessions |
|---|---|---|---|---|
| Basic | $48/week | $60/week | ≈ $260 | None — messaging + program |
| Standard | $72/week | $90/week | ≈ $390 | 1 × 45 min per week |
| Premium | $96/week | $120/week | ≈ $520 | 2 × 45 min per week |
| Couples | $96/week | $120/week | ≈ $520 | 1 × 45 min couples session per week |
Every plan includes unlimited messaging with your therapist, the 8-section CBT program with 25 worksheets, daily worksheet replies Monday to Friday, a journal, an activity plan, and yoga and meditation videos. Payment is by major credit/debit card or PayPal.
Ready to talk to a licensed therapist?
Online-Therapy.com pairs you with a licensed therapist, weekly live sessions by video, voice or text (Standard plan and up), and a step-by-step CBT program. Use code THERAPY20 for 20% off your first month.
Get started with Online-Therapy.com →Sponsored link · Cancel anytime · Not an emergency service — in crisis, call or text 988
How the 20% discount works
New members get 20% off their first month. That’s where the lower “first month” prices in the table come from. The code THERAPY20 gives the same 20% discount — if you don’t see the reduced price at checkout, enter it there. From the second month on, you pay the regular price for your plan.
Which plan should you choose?
- Basic if you mostly want to work through the CBT program at your own pace with written feedback, and you’re comfortable without live sessions. It’s the cheapest way in.
- Standard if you want a real weekly conversation with your therapist. For most people starting therapy for anxiety, stress, or low mood, this is the best balance of support and cost.
- Premium if you’re going through a hard stretch and want two sessions a week plus faster replies.
- Couples if you want to work on your relationship together, with one joint session a week.
You can change plans later, so starting with Standard and adjusting after a few weeks is a reasonable approach.
Is it cheaper than in-person therapy?
Usually, yes, when you’re paying out of pocket. Psychology Today reports that most US clinicians charge between $100 and $200 per session. Four in-person sessions a month at those rates would cost roughly $400 to $800. The Standard plan costs about $390 a month at the regular price and includes unlimited messaging and the CBT program on top of the weekly session.
If your health insurance covers in-network therapy with a low copay, though, in-person or insurance-based online therapy may cost you less. Check your benefits before deciding.
Ways to lower the cost
- Use your HSA or FSA card. Online-Therapy.com accepts them (your card issuer still decides whether to approve each charge). The IRS’s Publication 502 lists payments to psychologists and for psychiatric care among eligible medical expenses.
- Ask for financial aid. Online-Therapy.com offers financial aid for students, veterans, and people on low incomes; you apply during checkout.
- Request reimbursement. It doesn’t bill insurance directly, but it can give you itemized receipts to submit to your insurer for possible out-of-network reimbursement.
- Start on Basic. If budget is tight, the program plus messaging is the lowest-cost option, and you can upgrade later.
- Pause instead of canceling when you need a break: you can pause for 1 to 4 weeks.
Ready to talk to a licensed therapist?
Online-Therapy.com pairs you with a licensed therapist, weekly live sessions by video, voice or text (Standard plan and up), and a step-by-step CBT program. Use code THERAPY20 for 20% off your first month.
Get started with Online-Therapy.com →Sponsored link · Cancel anytime · Not an emergency service — in crisis, call or text 988
Cancellation and refunds
You can cancel anytime with no minimum commitment, and you keep access for the days you’ve already paid for. There’s no free trial. Refund requests are reviewed case by case within 90 days; sessions that already took place, missed sessions, and late cancellations aren’t refunded.
How the price compares
| Service | Self-pay price | Insurance |
|---|---|---|
| Online-Therapy.com | $48–$120/week, billed monthly | No direct billing; HSA/FSA accepted |
| BetterHelp | $70–$100/week, billed every 4 weeks | Limited in-network coverage; HSA/FSA accepted |
| Talkspace | $69–$109/week | In-network with many major insurers |
More detail in our full Online-Therapy.com review, vs BetterHelp, and vs Talkspace.
Frequently asked questions
How much is Online-Therapy.com per month?
It depends on the plan: roughly $260 a month for Basic up to about $520 for Premium or Couples at regular prices (our estimate from the weekly prices). The first month is 20% cheaper.
Does the THERAPY20 code work for existing members?
The 20% discount is for your first month as a new member.
Is there a free trial?
No. Online-Therapy.com doesn’t offer a free trial, but you can cancel anytime.
Can I use insurance?
Not directly. You can pay with an HSA/FSA card or request itemized receipts for out-of-network reimbursement.
Ready to talk to a licensed therapist?
Online-Therapy.com pairs you with a licensed therapist, weekly live sessions by video, voice or text (Standard plan and up), and a step-by-step CBT program. Use code THERAPY20 for 20% off your first month.
Get started with Online-Therapy.com →Sponsored link · Cancel anytime · Not an emergency service — in crisis, call or text 988
Sources
- Online-Therapy.com: Pricing
- Online-Therapy.com FAQ: What is the cost for online therapy?
- Online-Therapy.com FAQ: Does Online-Therapy.com accept insurance?
- Online-Therapy.com FAQ: Financial aid and discounts
- Online-Therapy.com FAQ: Refund policy
- Online-Therapy.com FAQ: Changing or canceling your subscription
- Psychology Today: How Much Does Therapy Cost?
- IRS Publication 502: Medical and Dental Expenses
- BetterHelp: How much does BetterHelp cost?
- Talkspace: Pricing
- Talkspace: Insurance coverage