Does Betterhelp Offer Financial Aid?

This article will look at whether the online mental health giant provides financial aid or not and how can one apply for it. Furthermore, the article will look at whether other options such as FSA or insurance apply here or not. The article will list down the services of Betterhelp and introduce the company to the audience.

Does Betterhelp Offer Financial Aid?

Yes Betterhelp offers financial aid to those who are in need of it through a relatively simple process. The online mental health company acknowledges the fact that many people are in tight financial circumstances either because of their current mental health or their inability to find a job. Nonetheless, the company offers financial aid for such people in need.

How To Apply For Financial Aid?

While applying for membership, people can opt for this option and increase their chances of getting this benefit. In the initial questionnaire the company asks you to fill out that gathers basic information on you – especially so they can match you with the ideal counselor – you can better represent your financial position here too because they ask whether you are employed or not. It also asks if you currently have any financial difficulties. This is a good way to increase your chances of getting the financial aid they offer.

When you proceed to the section where they ask for payment details, look for the option of ‘Apply For Financial Aid’ and click on it. This will ask you further questions about your income and ability to pay for the services. They will then provide financial relief to you that can cause your counseling fees to drop from $280 to as low as $216 based on your location, financial position and income.

What Services Can You Avail At Betterhelp?

Here are the options clients have when they want to engage in counseling sessions with their service providers:

• Chatrooms: These are open 24/7 and you can drop a message any time you feel like doing so. However, your counselor will only get back to you once they have the time or chance to. Usually people like dropping questions they want opinions on from their counselor and don’t mind waiting a bit.

• Live Chatting Sessions: here you can chat with your counselor in real time and there really is no limit on the number of messages exchanged or time spent talking here. It depends on the needs of the client and the nature of the problem.

• Live Phone Calls: Kind of like Skype this platform has their own system set up where you can have audio sessions with your service provider. It does not show your contact details to the counselor for reasons of privacy and in case the counselor and counselee become direct. 

• Video Sessions: clients who are more comfortable or want a more personalized experience can also opt for video sessions. Like other mediums of interaction, there is no limit on these although people mostly hold the opinion that 6-8  sessions per month are sufficient.

Like their services? For more information visit Betterhelp’s website now by clicking here!

Can I Use FSA For Betterhelp?

Although Betterhelp has made it relatively easy for people to get the financial aid they offer. It is possible someone does not get it for any reason possible. In that case, many people wonder if they can use other options to finance their costs for availing services at the company. One question they ask is if Betterhelp is eligible for FSA funds? 

Now when it comes to Betterhelp, they provide an array of services. Some of them are pure counseling that will not be eligible for FSA funds however clients do take up services with regards to serious mental health issues such as depression and anxiety for which medicines will be required.

When it comes to Betterhelp – a platform indeed – the company strongly discourages service providers from diagnosing patients or prescribing drugs. There are a number of reasons behind this and it can affect mental health in a negative way as well – hence the platform discourages it. Hence, as it is apparent, if Betterhelp discourages such activities on it’s platform then it will be difficult for clients to use their FSA funds for the services they avail because it is unlikely they will receive diagnoses or drug prescriptions – factors that prove you are eligible for FSA usage.

What does FSA Cover – If Not Betterhelp?

It is a healthcare pre-tax benefit which is used to pay for medical related costs such as the treatment itself or any costs incurred – costs that are not covered by other plans or insurance and are basically out of the pocket in nature. It helps you save your money and use it wisely in your priority areas.

Let’s take a look at what is covered by the plan:

• Medical expenses such as co-pays, co-insurance and deductibles
• Dental expenses such as check-ups, exams, X – Rays and braces
• Eye related services such as vision check-up, glasses, laser eye surgery and contact lenses
• Professional services which include physical therapy, chiropractor and acupuncture
• Expenses to buy necessary drugs that have been prescribed as well as over the counter drugs too
• Health care items for daily use such as bandages, pregnancy kits and blood pressure monitors.

Not to worry! If Betterhelp is not eligible for FSA funds there is nothing to panic about. The services this company provides are very affordable and we will take a look at these prices in the next section. Many people might even realize they do not need financial aid to avail these services.

A Look At Betterhelp’s Services – The Subscription Model

Here is how Betterhelp charges you based on their subscription model:

• Weekly Plan: It costs $80/week where you subscribe to their services for a week only and can avail whatever and how many sessions you need. In case you subscribe every week, you will have to pay $320 at the end of the month.

• Monthly Plan: It costs a total of $260 per month which breaks down to $60/week. The client is billed monthly as well – this is pretty straightforward

• Quarterly Plan: This plan costs a total of $540 but the weekly costs breaks down into $45 a week only because of the longer subscription availed by the client. At the end of the each month the client must pay $180

• Annual Plan: For clients who need long term services, they can pay $1820 which results in only $35 per week which is extremely cheap. At the end of each month the client is liable to pay $140 only which is the cheapest option.

A Popular Question – Insurance?

After describing Betterhelp’s services and how much they cost, many viewers may have come to the conclusion that these services are actually quite affordable. However, there are always bad times that come upon us and affect our financial position in an extremely bad manner. One question such individuals have is will their insurance cover Betterhelp’s services?

Betterhelp actually discourages taking insurance for it’s services because of a number of reasons. We will take a look at them:

• Health insurance plans have partial or limited coverage so it really isn’t useful. Most of the time they do not fully cover the costs and one ends up doing much paperwork to get very little benefit. On top of that you need to finance the insurance as well somehow.

• In the case that your health insurance plan covers all costs of the services, the co-pay of insurance may be higher than the entire cost of Betterhelp’s services

• Clients at Betterhelp may not be able to use insurance because insurance companies often require that the diagnosis of a patient and their future treatment plans are sent to them. However, at Betterhelp service providers are not allowed to diagnose patients for a number of reasons. The service providers are also not allowed to prescribe drugs.

• Betterhelp emphasizes that their costs for services are very low hence it is not advisable to use insurance.

We recommend trying out Betterhelp’s services! They are not only great but they ensure they are accessible to everyone. Sign up now to start your journey to a healthier mind!

Conclusion

This article clarified that Betterhelp does indeed offer financial aid and also explained its benefits to the audience. The article also highlighted what other possible options people have to finance their costs of services at the platform and which of them is a good idea or not. Finally, the article provided an extensive description of Betterhelp, its services and their affordable rates.

References

https://www.investopedia.com/terms/i/insurance.asp

https://fsastore.com/FSA-Eligibility-List/C/Counseling-E186.aspx