Redeemed Mental Health

Is Online Therapy Covered by Insurance in California?

Online Therapy Covered by Insurance

What You Need to Know

When you’re trying to keep food on the table, make it to work on time, and juggle everything life throws at you, the last thing you want to worry about is whether you can afford help for your mind and emotions. The good news is, more and more insurance plans now cover online therapy in California — and if you know what to look for, getting the help you need can be more affordable than you think.

At Redeemed Mental Health, we offer convenient, effective online therapy sessions led by experienced clinicians, including our founder, Dr. Andrea Wagner. Based in Newport Beach, Dr. Wagner brings a compassionate, hands-on, no-nonsense approach to mental health care — one rooted in clinical expertise and deep compassion for working people trying to manage stress, depression, anxiety, trauma, or other challenges.

Here’s what you need to know about using health insurance to access online counseling and why now is a better time than ever to take that first step toward feeling better.

What Is Online Therapy and How Does It Work?

Online therapy lets you attend sessions from your home, your car on a lunch break, or wherever you can find a quiet space with a secure internet connection. Instead of driving to an office, you meet virtually with a licensed therapist or licensed mental health professional through video calls.

At Redeemed Mental Health, we offer structured, research-based online therapy services for adults facing a wide range of mental health concerns — including depression, anxiety, adult autism, trauma, bipolar disorder, and substance use. Services may include individual sessions, group therapy, medication management, and even family support when needed.

Is Online Therapy Covered by Health Insurance?

Yes, many California health insurance plans now cover online therapy, just like in person therapy or traditional therapy. Thanks to recent changes in legislation and the rise of telehealth services, insured members can often receive full or partial insurance coverage for online counseling depending on their provider and plan.

At Redeemed Mental Health, our admissions team will walk you through your benefits and help you understand what’s covered, what co-pays or deductibles might apply, and what your options are if you’re not currently insured.

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What Should I Expect in My Initial Online Therapy Session?

Your initial online therapy session is a chance to talk about what’s going on, ask questions, and work with a therapist to build a plan that fits your life. There’s no pressure and no judgment — just a conversation to start figuring things out.

From there, if it’s a good fit, we’ll schedule regular therapy sessions, adjust your treatment plan as needed, and make sure you’re getting consistent, practical mental health support.

What Types of Mental Health Services Are Covered?

Depending on your health insurance plan, coverage may include:

  • Weekly online therapy sessions with a dedicated provider

  • Evidence-based treatment for anxiety, depression, trauma, and more

  • Ongoing medication management through a psychiatric provider

  • Online counseling for individuals, couples, or families

  • Structured programs like Intensive Outpatient Programs (IOP), available virtually

If you’re unsure whether something is covered, we’ll call your insurance provider on your behalf and explain your benefits clearly — no confusing jargon or hidden fees.

Why Choose Redeemed Mental Health?

At Redeemed Mental Health, we’re not a corporate hotline or an app that matches you with a random provider. We’re a clinician-owned and operated center, led by Dr. Andrea Wagner, who’s spent years working with people from all walks of life, including military, correctional systems, and high-acuity psychiatric settings.

We believe mental health treatment should be accessible, respectful, and tailored to the real challenges people face. That means listening without judgment, making room for your schedule, and working with your budget or insurance coverage.

Mental Health and Dual Diagnois Treatment Facilities Interior Full View of the Living Room

Take the First Step — It’s Easier Than You Think

If you’ve been putting off therapy because of time, money, or not knowing where to start, Redeemed Mental Health is here to change that. Whether you’re insured through your job or private coverage, we’ll help you make the most of your benefits and connect with a therapy service that meets you where you are.

Call us today at (888) 915-7091 to find out if your online therapy is covered and schedule your first therapy session. You deserve real, honest mental health care — and we’re here to walk with you every step of the way.

FAQs About Our Online Therapy

The best online therapy isn’t one-size-fits-all — it’s personalized, consistent, and led by qualified professionals. At Redeemed Mental Health, our team matches you with a provider who understands your goals and offers evidence-based care through every step of the therapeutic process.

Yes. At Redeemed, you’ll be paired with a consistent online therapist who will get to know your story, track your progress, and build a strong therapeutic relationship with you over time. This helps build trust and allows for deeper, more effective work.

Absolutely. Our care team includes licensed medical professionals who can assist with assessments, diagnoses, and medication management when needed. You’ll receive a comprehensive level of care that covers both emotional and physical aspects of your mental health.

The therapeutic process remains the same, whether you choose in person sessions or virtual care. Online therapy allows for the same depth of conversation, goal-setting, and emotional work — with the added benefit of flexibility and comfort.

Yes. Our providers often focus on building interpersonal effectiveness, especially for clients struggling with relationships, work stress, or conflict. You’ll learn how to express yourself clearly, set boundaries, and communicate in healthier ways — all key parts of lasting mental wellness.

Yes. Redeemed Mental Health offers online therapy for a wide range of conditions, including eating disorders and the emotional impact of chronic illness. We understand the unique challenges these conditions bring and tailor our care accordingly, including therapy, education, and when needed, medical collaboration.