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Online Therapy review
Online-Therapy.com logo

Online-Therapy.com review

Best structured CBT program

CBT-based program that pairs a therapist with worksheets, a journal and live sessions. People who like a structured, CBT-style approach with exercises to work on between sessions. We rank it #5 of 7 in our online therapy comparison, with an editorial score of 8.2 out of 10.

Updated By the ChoosyOwl editorial teamHow we rank
8.2/10
Our editorial score

Online-Therapy.com scores well on Session formats & flexibility because its plans combine live sessions and messaging with self-guided CBT worksheets and a journal. It trails on Cost & insurance transparency because it does not accept direct insurance payments, and on Clinician credentials & matching because you have less say in choosing a therapist than on the leaders.

How we score online therapy

Visit site (Online-Therapy.com, opens in a new tab)

Quick facts

Our rank#5 of 7
Best forBest structured CBT program
Session formatsMessaging, video, voice, live text chat
InsuranceNot accepted directly; receipts for reimbursement
Medication managementNot offered
Facts checkedNovember 14, 2026

Details are general and can change. Check current plans, prices and terms on the Online-Therapy.com site. See the Online-Therapy.com company profile in our brand directory.

Overview

Online-Therapy.com is built around cognitive behavioral therapy (CBT). Alongside sessions with a therapist, plans include structured self-guided sections, worksheets and a journal that your therapist can review and respond to.

Depending on the plan, you can message your therapist and have live sessions by video, voice or text. The service works on a subscription and says it does not accept direct insurance payments, though it provides receipts you can submit to your insurer for possible reimbursement. Check the current plans and billing terms on the site.

The structured format suits people who like homework and a clear framework between sessions. If you prefer open-ended conversation, a more flexible service may fit better.

Pros and cons

Pros

  • Clear structure between sessions
  • Therapist feedback on worksheets
  • Several ways to hold live sessions

Cons

  • Does not accept direct insurance payments; reimbursement is up to your insurer
  • No medication management
  • Structured format is not for everyone

Key features

  • CBT-based program with worksheets and a journal
  • Messaging with your therapist
  • Live sessions by video, voice or text (varies by plan)
  • Additional self-guided content such as relaxation exercises

Who Online-Therapy.com is for

A good fit if

People who like a structured, CBT-style approach with exercises to work on between sessions.

Look elsewhere if

Anyone who needs to use insurance or wants medication management.

How we scored Online-Therapy.com

Online-Therapy.com scores well on Session formats & flexibility because its plans combine live sessions and messaging with self-guided CBT worksheets and a journal. It trails on Cost & insurance transparency because it does not accept direct insurance payments, and on Clinician credentials & matching because you have less say in choosing a therapist than on the leaders.

Our online therapy score weighs clinician credentials & matching (25%), session formats & flexibility (20%), cost & insurance transparency (20%), privacy & safety (20%), ease of switching & cancelling (15%). See the methodology.

Online-Therapy.com alternatives

  1. #1
    BetterHelp logo

    BetterHelp

    Best overall

    Large network of licensed therapists with messaging, chat, phone and video sessions.

    • Messaging, live chat, phone and video sessions
    • Matching based on an intake questionnaire
    • Request a new therapist from your account
    • In network with some health plans in some states (check coverage)
    9.3/10
    Editorial score
    Visit site (BetterHelp, opens in a new tab) Read review
  2. #2
    Talkspace logo

    Talkspace

    Best for using insurance

    Therapy and psychiatry by messaging and live sessions, in-network with some insurance plans.

    • Messaging plus scheduled live video and audio sessions
    • Separate psychiatry service (eligibility varies)
    • Coverage check for some insurance and employer plans
    • Option to change providers
    9.1/10
    Editorial score
    Visit site (Talkspace, opens in a new tab) Read review
  3. #3
    ReGain logo

    ReGain

    Best for couples

    Relationship-focused online counseling for couples and individuals, part of the BetterHelp network.

    • Couples or individual relationship counseling
    • Shared account and therapist for couples
    • Messaging, live chat, phone and video
    • Part of the BetterHelp network
    8.7/10
    Editorial score
    Visit site (ReGain, opens in a new tab) Read review

Head-to-head

See all 7 online therapy services compared

Online-Therapy.com FAQ

What is Online-Therapy.com based on?

Online-Therapy.com is built around cognitive behavioral therapy (CBT), combining therapist sessions with worksheets, a journal and self-guided sections.

Does Online-Therapy.com take insurance?

Online-Therapy.com says it does not accept direct insurance payments, but it provides receipts you can submit to your insurer. Ask your insurer whether it reimburses online therapy.

Can I talk to a therapist live on Online-Therapy.com?

Depending on your plan, you can have live sessions by video, voice or text, as well as messaging. Check the site for what each plan includes.

Sources and fact check

We checked the facts on this page against Online-Therapy.com's own website on .