Independent guides to online therapy and costs

Published by CBT Guide USA · Last updated 2026-11-08

CBT Guide USA helps you work out whether online therapy fits your situation, what it will really cost, and what else is available, including free and lower-cost care.

Who we are: We publish independent information. We do not provide therapy. We may earn commissions from Online-Therapy.com. We are not a clinic, we do not employ therapists, and we are not part of Online-Therapy.com. Every page is written to be useful even if you never sign up for anything. About us · How we make money

In crisis? If you are thinking about suicide or self-harm, call or text 988 (US) or call 911 if you are in immediate danger. Online therapy is not an emergency service. Crisis resources

Start with your question

Can online therapy help with depression?What CBT and behavioral activation involve, what research shows, a worked activity plan, and when you need other care. How much does online therapy cost?First-month vs renewal prices, monthly estimates, billing, receipts and insurance. What are my lower-cost options?A budget decision matrix, what cheaper plans leave out, financial aid and free or sliding-scale alternatives. Is Online-Therapy.com right for me?Our review: plans, CBT materials, live sessions, limits, costs and alternatives.

Therapy guides

Plain-language explainers on how CBT and online therapy work, and how to get the most from them.

What is CBT?How thoughts, feelings and behavior connect, and what the evidence does and does not show. How online therapy worksMatching, consent, messaging, live sessions and technology. CBT techniquesIllustrative thought-record and activity-planning examples. How to choose a therapistLicense checks, state rules, fit and switching.

See all guides and tools

Cost tools

Therapy cost calculatorSee first-period and renewal totals with the assumptions shown. Runs in your browser. Plan chooserCompare budget and session preferences. It can tell you when no plan fits.

How we work

Sources, not hype. We cite research we have read and separate evidence about CBT in general from facts reported by providers. We do not publish invented statistics, reviews or testimonials. See our editorial policy and sources and methodology.
Clear evaluation criteria. We explain how we assess services, including limits of desk research. See how we evaluate.
Open about money. Our only affiliate relationship is with Online-Therapy.com. If you subscribe through our links, we may earn a commission at no extra cost to you. Links to free and public services earn us nothing. See our affiliate disclosure.
Prices checked and dated. Prices are labeled "about," with the date we checked them. Always confirm the final price at checkout.
Mistakes get fixed in public. See corrections or contact us.

This site is for general information. It is not medical advice, diagnosis or treatment. If you are worried about your mental health, talk to a doctor or licensed mental health professional.