Cash pay
Online therapy without insurance
Facts checked October 15, 2026. Operated by Alpha Origin LLC. Not medical advice.
Cash-pay is usually a weekly-quoted subscription
Without insurance, you are comparing published weekly rates, what those rates include (messaging vs live video), and how cancelation works. None of these sites book therapy on AFeelGoodThing—you leave to each company’s checkout.
How the products differ when paying cash
- BetterHelp: one published weekly range (~$70–$100) that typically includes one live session plus messaging.
- Talkspace: tiered cash plans ($69 / $99 / $109) that separate messaging-only from plans with up to four 30-minute videos per month.
- Calmerry: tiered messaging and live-video packages with promotional weekly figures on the pricing page.
- Online-Therapy.com: Basic/Standard/Premium ladder with CBT tools; live sessions appear on Standard and Premium.
Where people overpay by accident
Paying for live-session allotments you will not use, assuming messaging is instant crisis access, or treating a promotional first-month figure as the forever price. Read cancel and pause terms before the first charge renews.
Related providers
Overviews stay on this site. “View provider” leaves to the company’s public site (or an affiliate path only when a tracking URL is installed).
Online-Therapy.com
CBT program with optional live sessions
Direct link
Calmerry
Messaging plans with optional live video
Direct link
BetterHelp
Flat weekly therapy subscription
Direct link
Talkspace
Insurance-forward messaging and live video
Direct link
Sources
- Online-Therapy.com cost FAQ
- Online-Therapy.com insurance FAQ
- Online-Therapy.com refund FAQ
- Calmerry pricing
- Calmerry homepage FAQ
- BetterHelp pricing page
- Talkspace pricing
- Talkspace insurance coverage
See also How we compare and Compensation disclosure. For crisis help in the United States, call or text 988.