Rula review

Rula works like a directory of in-network therapists rather than a subscription. You enter your insurance and state, Rula builds a list of licensed providers who are accepting new patients, and you filter by specialty, background, availability or whether they can prescribe. Its FAQ says the network has 21,000+ licensed providers across more than 100 specialties, that patients typically pay $15 per session with insurance, and that Rula contacts your insurer to estimate the cost before the first appointment. Accepted carriers include Aetna, Anthem, most Blue Cross Blue Shield plans, Cigna, Optum, Oscar and UnitedHealthcare, and Rula charges no fees of its own. Sessions run over Zoom, with in-person visits for some Kaiser Southern California and Anthem CA members. Without insurance the picture changes: the cash rate is $150 per individual session and $165 for couples or families, which is more per week than the subscription services.

Who it is for

insured adults who want to choose their own therapist from a directory

Price

Cash rate $150 per individual session; Rula says patients pay $15 per session on average with insurance.

Rula offers a cash rate of $150/session for individual therapy and $165/session for families or couples.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Network of 21,000+ licensed providers across 100+ clinical specialties
• Filter in-network therapists by specialty, background, prescribing and availability
• Cost estimate from your insurer before the first appointment
• Individual, couples and family therapy plus psychiatry
• Video sessions as soon as tomorrow

Strengths and weaknesses

• Strength: Rula says patients typically pay $15 per session with insurance
• Strength: No platform fees on top of insurance costs
• Strength: HSA, FSA and some EAP benefits accepted
• Weakness: Cash rate of $150 per session is high for people without coverage
• Weakness: Medicare Advantage support is limited to a few plans in California and Georgia
• Weakness: No unlimited messaging plan

Key facts

• Average insured cost: $15 per session, per Rula
• Cash rate: $150 per individual session, $165 couples or family
• Network: 21,000+ licensed providers
• Ages: 5 and up for therapy, 13+ for psychiatry

Where it ranks

Rula is No. 5 in our Best Online Therapy Services verdict.