Plans and supplemental options that make therapy, psychiatry, and virtual doctor visits genuinely accessible — not just technically covered.
Covered isn't the same as accessible
Almost every ACA-compliant plan covers mental health and substance-use care as an essential benefit — but the copays, provider networks, and visit limits vary widely. We compare the details that decide whether you'll actually use the benefit, like whether your therapist is in network and what a session really costs.
Telemedicine has changed the math
Many plans now include low-cost or $0 virtual visits — for both urgent care and behavioral health. For busy families, that can turn a half-day ordeal into a ten-minute call. We flag which plans make virtual care easy and which bury it behind high copays.
Standalone telehealth & mental-health memberships
If you want affordable virtual care without waitlists — or to supplement an existing plan — there are membership options delivered through the Teladoc network with $0 per-visit fees on most plans. These are supplemental benefit plans, not health insurance (no deductibles, referrals, or prior authorizations):
| Plan | Monthly | What's included |
|---|---|---|
| New Benefits Standard | $40 | Telemedicine + Teladoc Mental Health (therapy), Health Advocate, Rx/dental/vision discounts |
| New Benefits Premium | $60 | Everything in Standard, plus identity protection, roadside assistance, travel assistance & more |
| Mind Your Health™ | $99.99 | Therapists, psychologists & psychiatrists, medication management, a dedicated coach, crisis outreach + general medical |
What these plans support
Care spans everyday stress to longer-standing needs: anxiety and panic, depression and mood, grief and stress, relationship and family conflict, life transitions and burnout, trauma and PTSD, sleep disorders, and ADHD or medication management on Mind Your Health — plus general medical (cold, flu, allergies) and dermatology. Getting started takes minutes: pick a plan, enroll online, download the app, and schedule a visit by phone, video, or app, 7 days a week.
This page is educational and not medical, tax, or legal advice; figures change and should be confirmed for your situation.