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Best In-Network Telehealths of 2026

Updated · 4 picks · live pricing · affiliate disclosure

The in-network primary-care pick accepting UnitedHealthcare, Aetna, Cigna, BCBS, and Humana.

BEST OVERALL6.2/10Save $828/yr

PlushCare

The in-network primary-care pick accepting UnitedHealthcare, Aetna, Cigna, BCBS, and Humana.

Membership cancels anytime
Try PlushCareSee full review

How it stacks up

  • $16.99 monthly membership

    vs $0 Teladoc employer copay

  • ~$30 in-network copay

    vs $89 Amwell cash medical

  • Major insurers in-network

    vs $75 Doctor On Demand cash medical

#2
Teladoc Health5.3/10

From $89/mo

View
#3
Amwell4.3/10

From $89/mo

View

All picks at a glance

#PickBest forStartingScore
1PlushCareBest in-network primary-care membership with major insurers$16.99/mo6.2/10
2Teladoc HealthBest in-network telehealth with full accreditation triple$89.00/mo5.3/10
3AmwellBest in-network alternative to Teladoc with Anthem partnerships$89.00/mo4.3/10
4Doctor On DemandBest in-network through Included Health enterprise contracts$75.00/mo3.5/10

Quick pick by use case

If you only have thirty seconds, find your situation below and skip to that pick.

If your employer plan already includes Teladoc as a benefitTeladoc HealthOften $0 copay through the employer benefit; URAC plus NCQA plus Joint Commission accredited; 50 states 24/7.If you want a longitudinal in-network primary-care relationship with messagingPlushCare$16.99 monthly membership plus roughly $30 in-network copay; UnitedHealthcare, Aetna, Cigna, BCBS, Humana.If your employer or commercial plan contracts with Amwell or through AnthemAmwellOften $0 copay through the employer benefit; URAC accredited; Anthem, Cleveland Clinic, Blue Cross partnerships.If your plan contracts with Included Health (post-2021 Doctor On Demand merger)Doctor On DemandOften $0 copay through the employer benefit; URAC accredited; therapy with same-therapist continuity.

Compare all 4 picks

Top spec
#1PlushCare6.2/10$30.00/mo—Save $828/yr$16.99 monthly membership
#2Teladoc Health5.3/10$99.00/mo——Often $0 employer copay
#3Amwell4.3/10$109.00/mo—$120/yr moreOften $0 employer copay
#4Doctor On Demand3.5/10$129.00/mo—$360/yr moreOften $0 employer copay
#1

PlushCare

6.2/10Save $828/yr

Best in-network primary-care membership with major insurers

Try PlushCareSee PlushCare alternatives

The in-network primary-care pick accepting UnitedHealthcare, Aetna, Cigna, BCBS, and Humana.

PlanMonthlyWhat you get
Membership$16.99/moUnlimited messaging with your primary care doctor, a mental health add-on, and care coordination at $16.99/mo
Visit (with insurance)$30.00/mo~$30 typical insurance copay for same-day video appointments with lab orders and prescriptions
Visit (no insurance)$129.00/moFlat $129 cash visit with prescriptions to local pharmacy and 15-minute follow-ups included

PlushCare is the right in-network pick for buyers who want a longitudinal primary-care relationship with a doctor who knows their history rather than a one-off urgent visit. Founded 2014 in San Francisco by Ryan McQuaid and James Wantuck MD; acquired by Accolade for $450M in 2021. The wedge is the only telehealth pick with in-network insurance plus longitudinal primary care plus chronic-condition management on the entry tier.

Membership at $16.99 monthly unlocks unlimited messaging with the buyer's primary-care doctor across major in-network plans. Visits run roughly $30 with insurance (typical copay across UnitedHealthcare, Aetna, Cigna, BCBS, Humana), or $129 cash when the plan does not cover. Lab orders and specialist referrals included. The Accolade acquisition connects PlushCare to enterprise-benefits contracts where the membership and copay are often $0.

The trade-off is the absence of 24/7 urgent care (bookings happen during provider hours) and an urgent-care specialty bench. PlushCare fits when the wedge is ongoing primary-care messaging; pay Teladoc when 24/7 urgent care matters.

Pros

  • $16.99 monthly membership unlocks unlimited messaging with a primary-care doctor
  • In-network with UnitedHealthcare, Aetna, Cigna, BCBS, and Humana at roughly $30 copay
  • Only pick with primary care plus chronic care plus in-network insurance combined
  • Acquired by Accolade for $450M in 2021 with employer-benefits credibility
  • Lab orders and specialist referrals included on the entry tier

Cons

  • Not 24/7; bookings during provider hours rather than overnight
  • Tier names trigger typical-tier overshoot from $16.99 membership entry to $30 copay
$16.99 monthly membership~$30 in-network copayMajor insurers in-networkMembership cancels anytime

Best for: Insured patients wanting a longitudinal in-network primary-care relationship with messaging access across UnitedHealthcare, Aetna, Cigna, BCBS, or Humana.

Care quality
8
Visit speed
7
Booking UX
9
Value
9
Support
7
Try PlushCare
#2

Teladoc Health

5.3/10

Best in-network telehealth with full accreditation triple

Try Teladoc HealthSee Teladoc Health alternatives

The mainstream in-network pick with URAC, NCQA, and Joint Commission accreditation across 80 million-plus members.

PlanMonthlyWhat you get
General Medical (cash)$89.00/mo24/7 doctor access for cold, flu, allergies, and UTI with prescriptions when appropriate at $89 cash
Mental Health Therapy$99.00/moLicensed therapist sessions 7 days a week via video or phone at $99 per session
Mental Health Psychiatry$299.00/moMD psychiatrist visits with medication management at $299 initial and $129 follow-ups

Teladoc is the right in-network pick for buyers whose employer plan already includes Teladoc or whose commercial plan contracts with the broadest URAC-accredited provider network in the US. Founded Dallas 2002 by G. Byron Brooks MD and Michael Gorton; NYSE:TDOC public 2015; the largest virtual-care company by revenue at $2.6B in 2023. The wedge is the accreditation triple plus member scale.

In-network visits often run $0 copay through the employer benefit when the plan contracts directly. Cash medical visits run $89 when the buyer is between plans. Available in all 50 states plus DC and Puerto Rico, 24/7 urgent care, with the broadest virtual-care network through the Livongo acquisition in 2020 for $18.5B. Therapy at $99 cash, psychiatry $299 initial; in-network mental-health benefit often runs $0 to $30 copay.

The trade-off is plan-specific coverage detail. Whether Teladoc is in your plan and what your copay is depend on the specific employer contract. Check your benefits portal first; if Teladoc is listed, it is almost always the right in-network pick because the accreditation triple is broadest.

Pros

  • URAC plus NCQA plus Joint Commission triple (the only in-network pick with all three)
  • 80M-plus covered lives through employer and insurance partnerships drive scale
  • Often $0 copay through the employer benefit when the plan contracts directly
  • Available in all 50 states plus DC and Puerto Rico, 24/7 urgent care
  • Therapy and psychiatry covered through in-network mental-health benefits at most plans

Cons

  • In-network coverage and copay depend on the specific employer contract
  • Cash visits at $89 above PlushCare in-network copay at roughly $30
Often $0 employer copayURAC + NCQA + Joint Commission50 states + DC + PRCoverage check via your benefits portal

Best for: Anyone whose employer plan or commercial insurance contracts with Teladoc, plus buyers wanting the broadest in-network accreditation.

Care quality
9
Visit speed
9
Booking UX
9
Value
8
Support
9
Try Teladoc Health
#3

Amwell

4.3/10$120/yr more

Best in-network alternative to Teladoc with Anthem partnerships

Try AmwellSee Amwell alternatives

The URAC-accredited in-network alternative backed by Anthem, Cleveland Clinic, and Blue Cross enterprise partnerships.

PlanMonthlyWhat you get
Urgent care visit$89.00/mo24/7 board-certified physicians for common conditions, cash-pay or insured, with visit-time-only fee at $89
Therapy$109.00/mo45-minute sessions with a master's-level therapist; insurance often covers at $109 cash
Psychiatry$279.00/mo$279 initial visit and $109 follow-ups with medication review, available evenings and weekends

Amwell is the right in-network pick when the buyer's employer plan does not contract with Teladoc but does contract with Amwell, particularly through Anthem, Cleveland Clinic, or Blue Cross enterprise partnerships. Founded 2006 in Boston as American Well by Dr Roy Schoenberg and Dr Ido Schoenberg; NYSE:AMWL public 2020 IPO; revenue $267M in 2023. URAC accredited like Teladoc, available in 50 states with 24/7 urgent care.

In-network visits often run $0 copay through the employer benefit when the plan contracts directly. Cash visits run $89 urgent care, $109 master's-level therapy, and $279 initial psychiatry with $109 follow-ups including continuity-of-care. The Anthem, Cleveland Clinic, and Blue Cross partnerships drive the primary in-network route: most Amwell visits are zero-copay through these enterprise-sponsored plans.

The trade-off is the smaller covered-lives footprint than Teladoc and the absence of a primary-care relationship. Amwell is urgent-care-first; PlushCare wins on longitudinal primary care; Teladoc wins on broader accreditation. Pay Amwell when the employer plan covers it.

Pros

  • URAC accredited (the second telehealth-specific quality cert in this guide)
  • Anthem, Cleveland Clinic, and Blue Cross partnerships drive in-network coverage
  • Often $0 copay through employer benefit when the plan contracts with Amwell
  • Therapy with master's-level licensed therapists across LCSW, LMFT, LPC, LMHC
  • NYSE:AMWL public 2020 IPO with audited financials

Cons

  • No primary-care relationship; urgent-care-first and mental-health-second model
  • Smaller covered-lives footprint than Teladoc through enterprise partnerships
Often $0 employer copay$89 urgent care cashURAC accreditedCoverage check via your benefits portal

Best for: Insured patients whose employer or commercial plan contracts with Amwell, particularly through Anthem, Cleveland Clinic, or Blue Cross partnerships.

Care quality
8
Visit speed
9
Booking UX
8
Value
8
Support
8
Try Amwell
#4

Doctor On Demand

3.5/10$360/yr more

Best in-network through Included Health enterprise contracts

Try Doctor On DemandSee Doctor On Demand alternatives

The URAC-accredited Included Health pick with commercial-plan in-network coverage and same-therapist continuity.

PlanMonthlyWhat you get
Medical visit$75.00/mo15-minute video with board-certified doctors and prescriptions to local pharmacy at $75 cash
Therapy$129.00/mo25 or 50-minute therapist sessions, in-network with most insurers, with continuity of care at $129
Psychiatry$299.00/mo45-minute initial visit and 15-minute follow-ups, cash or insurance, with medication management at $299 initial

Doctor On Demand is the right in-network pick for buyers whose employer or commercial plan contracts with Included Health (the post-2021 merged entity that includes Doctor On Demand) rather than Teladoc or Amwell. Founded 2012 in San Francisco by Adam Jackson and Phil Marshall; merged with Grand Rounds in 2021 to form Included Health (Permira and Carlyle backed at a $13B valuation). URAC accredited like Teladoc and Amwell, available in 50 states with 24/7 urgent care.

In-network visits often run $0 copay through the employer benefit when the plan contracts with Included Health directly. Cash visits run $75 for medical (the cheapest cash visit among URAC-accredited enterprise picks), therapy at $129 per session with same-therapist continuity guarantees, and psychiatry at $299 initial with $129 follow-ups. The Grand Rounds heritage in second-opinion and complex-case navigation extends the in-network value beyond simple urgent-care visits.

The trade-off for the in-network buyer is the smaller covered-lives footprint than Teladoc and the absence of primary care. Doctor On Demand is urgent-care-first and mental-health-second on the in-network side. Pay Doctor On Demand when the employer plan covers Included Health or when the buyer wants same-therapist continuity on an in-network basis at a URAC-accredited platform.

Pros

  • URAC accredited like Teladoc and Amwell
  • In-network through Included Health enterprise contracts (post-2021 merged entity)
  • Often $0 copay through employer benefit when the plan contracts with Included Health
  • Therapy with same-therapist continuity guarantees across sessions
  • $13B valuation under Permira and Carlyle ownership; audited financials

Cons

  • No primary-care relationship; urgent-care-first model
  • Smaller covered-lives footprint than Teladoc through enterprise contracts
Often $0 employer copay$75 cash medical visitURAC accreditedCoverage check via your benefits portal

Best for: Insured patients whose employer or commercial plan contracts with Included Health (Doctor On Demand) particularly for urgent care or same-therapist continuity.

Care quality
8
Visit speed
8
Booking UX
8
Value
8
Support
7
Try Doctor On Demand

How we picked

Each pick gets a transparent composite score from price, features, free-tier availability, and editor fit. Pricing flows from our live database, so when a vendor changes prices the score updates here too.

Composite weights: price 40%, features 30%, free tier 15%, fit 15%. Four picks subset to services that bill insurance directly. See parent /best/telehealth for the full 7-pick lineup including the cash-pay-only picks Sesame Care, Hims, and Ro.

We don't claim "30,000 hours of testing." Our methodology is the formula above plus the editor's published verdict for each pick. Verifiable, auditable, and updated when the underlying data changes.

Why trust Subrupt

We're a subscription tracker first, a buying guide second. Every claim on this page is something you can check.

By use case

Best in-network broadest accreditation

Teladoc Health

Read the full review →

Try Teladoc Health

Best in-network primary care

PlushCare

Read the full review →

Try PlushCare

Best in-network through Anthem

Amwell

Read the full review →

Try Amwell

Best in-network through Included Health

Doctor On Demand

Read the full review →

Try Doctor On Demand

How to choose your In-Network Telehealth

Match the in-network pick to your employer plan and care need

In-network telehealth splits three ways the insured buyer should match against the care need. Enterprise-payer-incumbent platforms (Teladoc, Amwell, Doctor On Demand) contract directly with the major commercial plans and most large employers; the in-network visit often runs $0 copay through the employer benefit. Primary-care-membership with insurance (PlushCare) ships the longitudinal relationship at $16.99 monthly plus roughly $30 in-network copay through UnitedHealthcare, Aetna, Cigna, BCBS, and Humana. The default check before booking is the employer benefits portal: search for the platform name, confirm in-network status, and check the copay schedule. If Teladoc, Amwell, or Doctor On Demand is listed, it is almost always the right in-network pick because the visit cost drops to $0 to $30 from the $75 to $109 cash rate.

How URAC accreditation, NCQA recognition, and Joint Commission certification differ

URAC (Utilization Review Accreditation Commission) accreditation is the telehealth-specific quality cert that meaningfully separates the enterprise-payer incumbents in this guide. URAC evaluates clinical-care standards, provider credentialing, performance measurement, and consumer protection specific to virtual care; Teladoc, Amwell, and Doctor On Demand all carry URAC accreditation. NCQA (National Committee for Quality Assurance) recognition is the broader managed-care quality cert that applies to health plans plus virtual-care platforms; Teladoc carries NCQA. Joint Commission certification is the historic hospital and outpatient quality cert that extends to large telehealth platforms; Teladoc carries Joint Commission. The triple (URAC plus NCQA plus Joint Commission) is uniquely Teladoc in this lineup, which is the load-bearing factor in the in-network ranking when the employer plan contracts with multiple of these platforms.

When in-network telehealth beats cash-pay for an insured buyer

In-network telehealth wins for the insured buyer in three common scenarios. First, when the employer plan contracts with the platform directly: in-network visits often run $0 to $30 copay versus the $75 to $109 cash visit at the same platform, so the $45 to $109 savings per visit compounds across the year. Second, when the buyer needs frequent visits (chronic-condition management, ongoing therapy, primary-care messaging): in-network billing applies the negotiated rate plus the deductible accumulation across visits, which beats the cash flat rate in most plan structures. Third, when the visit type is covered under a separate mental-health benefit: many commercial plans carve mental-health out under richer coverage where in-network therapy at Teladoc, Amwell, or Doctor On Demand runs $0 to $20 copay per session. For cash-pay scenarios where insurance is not the route, see [our /best/telehealth guide](/best/telehealth) for the cash-pay-focused picks.

How to verify in-network coverage before booking

Three steps the insured buyer should run before booking the first in-network telehealth visit. First, log into the employer or insurer benefits portal, search for the platform name (Teladoc, PlushCare, Amwell, Doctor On Demand or Included Health), and confirm the in-network status with the copay schedule. Second, call the platform's eligibility line with your insurance member ID and ask them to verify in-network status and the visit-type-specific copay; reps can check the contract directly. Third, book the visit and confirm the copay matches the eligibility check before the visit starts; if there is a discrepancy, cancel and re-verify. The employer benefits portal is the fastest path; the platform eligibility line is the most accurate; the in-visit confirmation catches edge cases like out-of-state visits or after-hours coverage that may bill differently.

Frequently asked questions

Which insurance plans contract with Teladoc, Amwell, or Doctor On Demand?

Teladoc contracts with most major commercial insurers plus most large employers; the 80 million-plus member footprint is the broadest in the lineup. Amwell contracts through Anthem, Cleveland Clinic, and Blue Cross enterprise partnerships. Doctor On Demand contracts through Included Health enterprise contracts. The fastest verification path is your employer or insurer benefits portal.

What does $0 copay through the employer benefit actually mean?

When your employer contracts with Teladoc, Amwell, or Doctor On Demand as part of the benefits package, the employer pays the platform on a per-employee or per-visit basis at the contract rate. The employee sees $0 copay at visit time because the employer absorbed the cost upfront. This differs from a traditional in-network claim where you pay the copay ($20 to $40) and the insurer pays the rest.

Why is Teladoc at #1 over PlushCare for the in-network audience?

Teladoc wins on accreditation breadth and member scale rather than copay rate. The URAC plus NCQA plus Joint Commission triple is the broadest in this lineup; no other in-network pick ships all three. Combined with 80 million-plus covered lives, the probability that your employer plan already includes Teladoc at $0 copay is the highest. PlushCare wins specifically for longitudinal in-network primary-care messaging.

Can I use my HSA or FSA on in-network telehealth copays?

Yes across all 4 picks. IRS Publication 502 covers in-network telehealth copays as qualified medical expenses for HSA and FSA reimbursement when the service is for medical care of the taxpayer, spouse, or dependent. Teladoc, PlushCare, Amwell, and Doctor On Demand all accept HSA and FSA cards directly at the copay step, even when the visit is being billed through insurance for the negotiated rate above the copay. Save receipts for IRS audit purposes.

Which in-network pick covers primary care vs urgent care vs mental health?

Primary care: PlushCare is the longitudinal relationship at $16.99 membership plus roughly $30 copay. Urgent care: Teladoc, Amwell, and Doctor On Demand all ship 24/7 urgent care in 50 states with often $0 employer copay. Mental health: Teladoc and Amwell ship both therapy and psychiatry; Doctor On Demand ships therapy with same-therapist continuity; PlushCare ships mental health as an add-on.

What happens if my employer drops the Teladoc or Amwell contract?

When the employer drops a telehealth contract mid-year, the previously $0 copay visit becomes a cash-pay visit at the platform rate ($89 Teladoc, $89 Amwell, $75 Doctor On Demand). The buyer can pay cash, switch to a platform the employer still contracts with, or check whether the underlying commercial insurer still covers the platform in-network. PlushCare at $16.99 monthly plus $30 copay is the lowest-friction fallback.

Are out-of-network visits covered through these platforms?

Generally no in the traditional sense. Telehealth platforms either contract in-network with your plan (covered at the in-network rate) or do not (you pay the cash rate). There is no out-of-network telehealth visit at a discounted rate the way there is for in-person specialists. Exception: plans that allow out-of-network telehealth claims at a partial-reimbursement rate; check your plan summary.

Why no Sesame Care, Hims, or Ro in this in-network guide?

Sesame Care is a cash-only marketplace by design; the wedge is direct provider pricing without insurance billing. Hims and Ro are cash-only subscription models for condition-specific medication; HSA and FSA cards are accepted but no insurance claim ever fires. None of the 3 fit the in-network audience. All 3 appear in [our /best/telehealth guide](/best/telehealth) where the cash-pay framing applies. The 4 picks in this in-network spinoff are the insurance-billing services in our telehealth catalog.

How do I verify in-network coverage and copay before booking the first visit?

Three steps. Log into the employer or insurer benefits portal and search for the platform name; confirm in-network status with copay schedule. Call the platform eligibility line with your insurance member ID; reps can check the contract directly. Book the visit and confirm the copay matches the eligibility check before the visit starts; cancel and re-verify if there is a discrepancy.

Does Subrupt earn a commission on these in-network picks?

Yes, on most paid links to vendors that run affiliate programs in this category (Teladoc, PlushCare, Amwell, Doctor On Demand). The composite score and pick order do not depend on affiliate rates; we surface the math on the page so you can recompute the order yourself. The FTC affiliate disclosure block above the byline confirms this.

Subrupt Editorial

The team behind subrupt.com. We track subscriptions, surface cheaper alternatives, and publish buying guides where the score formula is on the page so you can recompute it yourself. We do not claim 30,000 hours of testing. What we claim is live pricing from our database, a transparent composite score, and honest savings math against a category baseline.

Last reviewed

Citations

Affiliate disclosure: Subrupt earns a commission when you switch to a service through our recommendation links. This never changes the price you pay. We only recommend services where there's a real cost or feature advantage for you, and our picks are based on the data on this page, not on which programs pay the most.

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