Rula review

Rula is built for people who have insurance and want it to do the work. You submit your plan details, get a cost estimate, then browse profiles of in-network providers who match your preferences and book a live video visit, which Rula says can be as soon as tomorrow. It lists more than 100 accepted plans, including Aetna, Anthem, most Blue Cross Blue Shield plans, Cigna, Optum, Oscar and United Healthcare, and says patients pay an average of $15 per session. There is no subscription and no platform fee: you pay what your plan requires. Without coverage, Rula charges $150 per individual session and $165 for couples or families, and psychiatry costs $225 for an intake and $175 for follow-ups. HSA and FSA cards work. The trade-off is that care is session based, so there is no messaging plan between visits.

Who it is for

Insured adults who want weekly video sessions with a therapist they choose, at copay prices.

Price

Average $15 copay with insurance; self-pay $150 per individual session.

Rula also offers a self-pay rate of $150/session for individual therapy and $165/session for families or couples.
Quoted from the vendor pricing page on November 10, 2026.

Key features

• 100+ insurance plans accepted, including Aetna, Cigna, Optum and United Healthcare
• Free personalized cost estimate before booking
• Browse and pick from in-network provider profiles
• Live video therapy for individuals, couples, families, children and teens
• Psychiatry and medication management

Strengths and weaknesses

• Strength: Average copay of $15 per session, per Rula
• Strength: No monthly subscription or platform fees
• Strength: HSA and FSA cards accepted
• Weakness: No messaging-only plan
• Weakness: Self-pay rate of $150 per session is high without coverage
• Weakness: Kaiser coverage only by referral

Key facts

• Insurance plans: 100+
• Providers: 21,000+
• Average copay: $15 per session
• Self-pay psychiatry: $225 intake, $175 follow-up

Where it ranks

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