Rula review

Rula works like an in-network practice rather than a subscription. You enter your state and insurance, browse licensed providers and book a specific person, and Rula says it is in-network with more than 170 plans nationwide, including Medicare, Medicare Advantage and Medicaid in many states. Its network lists more than 22,000 providers in all 50 states, and patients pay an average of $15 per session with insurance. Before the first appointment Rula contacts your insurer and tells you what to expect, which removes the usual billing guesswork. Couples and family therapy are available, along with psychiatry for medication. Without insurance the picture changes: the cash rate is $150 per individual session and $165 for couples or families, and psychiatry is $225 for a 60-minute intake and $175 per follow-up. There is no messaging plan, so support happens in scheduled sessions. For insured adults who care about choosing their therapist, it is the strongest value here.

Who it is for

Insured adults who want to choose their own therapist and pay a low copay per session.

Price

Average $15 per session with insurance; cash rate $150 per individual session.

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 8, 2026.

Key features

• In-network with 170+ insurance plans, including Medicare and Medicaid in many states
• 22,000+ licensed providers across all 50 states
• Individual, couples and family therapy plus psychiatry
• Rula checks your coverage and shares the expected cost before the first visit
• HSA and FSA payment accepted

Strengths and weaknesses

• Strength: Average cost of $15 per session with insurance
• Strength: You pick the provider instead of being assigned one
• Strength: Coverage is verified before you book
• Weakness: The $150 cash rate is high without insurance
• Weakness: No messaging subscription between sessions
• Weakness: Your copay depends on your plan and deductible

Key facts

• Insured cost: $15 per session on average
• Cash rate: $150 individual, $165 couples or family
• Providers: 22,000+ licensed
• Insurance plans: 170+ nationwide
• Psychiatry: $225 intake, $175 follow-up self-pay

Where it ranks

Rula is No. 2 in our Best Online Therapy Services verdict.