Traditional healthcare is far from our only option these days. Whether you need a prescription refilled, a therapist who takes your insurance, GLP-1 support, or a doctor at 10pm on a Sunday, there’s likely a telehealth platform built for exactly that. The options range from discount tools to specialized clinics — many of which accept insurance, including Medicare. This guide breaks down the most reputable platforms, with the latest details on cost, insurance, and what to know for before signing up.

Urgent/On-Demand Care

Walgreens Virtual Healthcare

Walgreens’ virtual care platform covering urgent care, common illnesses, women’s health, men’s health, skincare, and hair loss — separate from its weight management program (more on that later).

• Insurance/Payment
  • Self-pay for virtual visits
  • Insurance can cover prescriptions filled at Walgreens
• Cost: 
  • Chat visits ~$33
  • Video visits $36-$75
• Pros: 
  • Affordable cash-pay visits
  • Prescriptions fill directly at Walgreens
  • Available 7 days/week
  • Covers ED, hair loss, UTIs, birth control, and more.
• Cons: 
  • No insurance for visits (only for prescriptions)

CVS MinuteClinic Virtual Care

24/7 virtual urgent care, primary care, and mental health therapy/psychiatry through CVS’s MinuteClinic network. Available in 48 states.

• Insurance/Payment: 
  • Accepts most insurance including some Medicare and Medicaid plans
  • FSA/HSA accepted
• Cost: 
  • ~$59/visit without insurance
  • $0 with qualifying Aetna plans
• Pros: 
  • 24/7 including holidays
  • Mental health therapy and psychiatry included
  • Ties into in-person MinuteClinic visits if needed
• Cons: 
  • Not available in Alabama or Missouri

Teladoc

The largest telehealth company in the U.S. (founded 2002). 24/7 general medical, urgent care, primary care, mental health, dermatology, and chronic condition management. 

• Insurance/Payment: 
  • Accepts most major plans and many Medicare Advantage programs
• Cost: 
  • As low as $0 with insurance
  • $75-$89/visit without insurance
• Pros: 
  • 24/7 availability
  • Largest network in the country
  • Broad service range
  • No membership fee
• Cons: 
  • Transactional — limited follow-up after urgent care visits
  • Provider quality varies
  • Cannot prescribe most controlled substances

Prescriptions

Mark Cuban Cost Plus Drugs

A public benefit corporation selling 2,500+ generic medications at full-transparency pricing: manufacturer cost + 15% markup + $5 pharmacy fee + $5.25 shipping.

• ⭐ Median 76% savings vs. retail pharmacy pricing per NIH research.
• Insurance/Payment: 
  • Cash-pay only
  • No insurance accepted
  • Often cheaper than insurance copays for generics
• Cost: 
  • Example: imatinib ~$34.50/month vs. $9,600+ retail
• Pros: 
  • Most transparent drug pricing in the industry
  • No PBM markups
  • Expanding into biosimilars.
• Cons: 
  • Mail-order only
  • Generics and biosimilars only — no brand-name drugs
  • Slow shipping
  • Poor customer service reviews

Amazon Pharmacy / RxPass

Full-service online pharmacy that accepts most insurance. RxPass is a $5/month add-on for Prime members covering 50+ generic medications with unlimited refills.

• ⭐ RxPass: $5/month covers 50+ generics with unlimited refills
• Insurance/Payment: 
  • Accepts most insurance
  • Shows both cash price and insurance price so you pick the lower option
• Cost: 
  • Standard pharmacy pricing with insurance 
  • RxPass $5/month (Prime required, $139/year)
  • Now available for Medicare beneficiaries in 48 states.
• Pros: 
  • Insurance accepted
  • Manufacturer coupons auto-applied
  • Same-day delivery in some markets
  • 24/7 pharmacist access
• Cons: 
  • Prime membership required
  • RxPass limited to common generics
  • Not available in CA, TX, or WA for RxPass.

Women’s Health

Hers

Women’s telehealth for sexual health, mental health, hair loss, skincare, and weight management. Subscription-based, fully digital.

• ⭐ Free online health assessments.
• Insurance/Payment: 
  • No insurance
  • Cash-pay only
  • FSA/HSA eligible for some items
• Cost: 
  • Mental health ~$49/month. 
  • Compounded semaglutide $199/month (12-month commitment; not FDA-approved)
  • Oral weight loss kit from $69/month (5-month commitment)
• Pros: 
  • Discreet shipping to all 50 states
  • Fast prescription process.
• Cons: 
  • Messaging-based only (no live video)
  • No therapy
  • Known for difficult cancellation processes
  • No refunds

Ro/Rory

Rory (Ro’s women’s brand) covers menopause care, skincare, and sexual wellness. Ro overall adds weight loss (GLP-1s), fertility, and at-home diagnostics.

• ⭐ Free consultations on most services.
• Insurance/Payment: 
  • No insurance
  • Cash-pay only
  • Ro Body works with insurance for brand-name GLP-1 coverage only
• Cost: 
  • Ro Body weight loss from $145/month (medication extra)
  • Menopause hormone therapy from ~$35/month for generic treatments
  • Full packages ~$75–$120/month
  • Video consultations $95 each if needed
• Pros:
  • Fast 2-day discreet shipping
  • FDA-approved GLP-1s only (Wegovy, Zepbound)
• Cons: 
  • Medication costs are separate and can add up

Hello Alpha

Women’s telehealth for primary care, mental health, birth control, menopause care, and weight loss. Strength is ongoing care management, not one-off visits.

• Insurance/Payment: 
  • Accepts some insurance (varies by state)
  • Self-pay also available
• Cost: 
  • Membership $35/month or $99/quarter
• Pros: 
  • Ongoing care model
• Cons: 
  • Not available in all states
  • Smaller provider network than competitors

Midi Health

Virtual clinic built exclusively for perimenopause, menopause, and midlife women’s health — mood, sleep, weight, sexual wellness, and longevity. 

• Insurance/Payment:
  • Accepts most major PPO insurance
  • Average insured patient pays ~$50/visit
• Cost: 
  • Without insurance: initial visit $250, follow-ups $150
  • HSA/FSA eligible
• Pros: 
  • Insurance accepted — rare in the menopause space
  • Specialist clinicians 
  • Broad symptom coverage including mood and sleep
• Cons: 
  • Expensive without insurance
  • Telehealth only
  • Availability varies by state.

Men’s Health

Hims

Men’s telehealth for ED, hair loss, weight loss, skincare, mental health, and testosterone support. Subscription-based, primarily messaging-based.

• ⭐ Free online assessments before you commit.
• Insurance/Payment: 
  • No insurance
  • Cash-pay only
  • FSA/HSA accepted for some products
• Cost: 
  • Mental health ~$49/month
  • ED generics from ~$4/dose
  • Hair loss from ~$22/month
  • GLP-1 injections from $299/month.
• Pros: 
  • Wide range of men’s health services
  • Discreet packaging in all 50 states
• Cons: 
  • No live video in most states
  • No ADHD or anxiety meds (no controlled substances)
  • Difficult to cancel
  • No refunds on medications

Roman (part of Ro)

Men’s telehealth for ED, premature ejaculation, hair loss, testosterone support, skincare, weight management, and more.

• ⭐ Free consultations on most services.
• Insurance/Payment: 
  • No insurance
  • Cash-pay only
• Cost: 
  • ED generics from ~$2-$4/dose
  • Hair loss from ~$22/month
• Pros: 
  • Fast shipping (~48 hours)
  • Discreet packaging
• Cons: 
  • Cash-pay only for all services.

BlueChew

Specializes exclusively in chewable ED medications (sildenafil, tadalafil, vardenafil). 

• ⭐ Free trial available — pay shipping only.
• Insurance/Payment: 
  • No insurance
  • Cash-pay only
• Cost: 
  • $25/month (4-6 doses) to $130/month (28-34 doses)
• Pros: 
  • Unique chewable format
  • Lowest per-dose sildenafil prices among major platforms
• Cons: 
  • ED only
  • No video consultations

Mental Health

Headway

Insurance-first therapist and psychiatrist directory. Headway handles all insurance verification and billing on the provider’s behalf.

• Insurance/Payment: 
  • In-network with most major plans including Aetna, BCBS, Cigna, United, and more
  • HSA/FSA accepted
• Cost: 
  • Average copay $20-$40 with insurance
  • Self-pay $100-$200/session
  • No platform fee
• Pros: 
  • No subscription required
  • Both telehealth and in-person
  • Broad insurance network
• Cons: 
  • Quality varies by individual provider
  • Wait times vary by market

Rula

Insurance-in-network therapy and psychiatry platform with a strong focus on provider diversity and straightforward billing.

• Insurance/Payment: 
  • Accepts most major commercial plans
  • Accepts some Medicare
• Cost: 
  • Average copay ~$20-$40 with insurance
• Pros: 
  • Diverse provider network
  • Both therapy and psychiatry
• Cons: 
  • Newer and smaller network than some competitors
  • Not in all states.

Talkspace

Major therapy and psychiatry platform with 1M+ users. Offers individual, couples, and teen therapy plus medication management. Notably accepts Medicare.

• Insurance/Payment:
  • Accepts Aetna, Anthem, Cigna, Optum, TRICARE, BCBS
  • Accepts Medicare and Medicare Advantage in most states
• Cost: 
  • With insurance, average ~$15/session (many pay $0)
  • Without insurance: $276-$436/month
  • Psychiatry eval $299.
• Pros: 
  • Both therapy and psychiatry 
  • Couples therapy available
• Cons: 
  • Cannot prescribe controlled substances

SonderMind

Insurance-first platform with 12,000+ therapists and psychiatry providers for virtual and in-person sessions in all 50 states.

• ⭐ Medicare and Medicare Advantage accepted — key for those 60+
• Insurance/Payment: 
  • Accepts most major plans, HSA, FSA, EAP, Medicare, Medicare Advantage
  • Does not accept Medicaid or TRICARE.
• Cost: 
  • Copays typically $20-$45/session with insurance. 
• Pros: 
  • Both telehealth and in-person
  • Accepts EAP benefits
• Cons:
  • Self-pay rates not listed online

Weight Loss

WeightWatchers / WW Clinic

The legacy WW behavioral program now combined with GLP-1 prescription access through WW Clinic. Partners with Novo Nordisk for reduced Wegovy pricing.

• Insurance/Payment: 
  • Membership is cash-pay
  • WW Clinic helps navigate your own insurance for GLP-1 medication coverage.
• Cost: 
  • Membership $25-$74/month (12-month commitment) 
  • $149/month month-to-month
  • Wegovy from $299/month via Novo Nordisk partnership
• Pros: 
  • LegitScript certified
  • FDA-approved GLP-1s only — no compounded medications
• Cons: 
  • 12-month contract for best pricing
  • Medication costs are separate
  • Significant customer service complaints in recent reviews

Noom / Noom Med

Psychology-based weight loss app with Noom Med for GLP-1 prescriptions. Combines behavioral coaching with medication management.

• ⭐ Free trial available for the app
• Insurance/Payment: 
  • Self-pay
  • Can write brand-name GLP-1 prescriptions patients submit to their own insurance
• Cost:
  • Noom Weight ~$17-$70/month
  • Noom Med from $129 for first 4 weeks, then $279/month.
• Pros: 
  • Science-backed behavior change approach
  • Broad medication range including microdosing option.
• Cons: 
  • Expensive for the Med tier
  • Widespread cancellation and auto-renewal complaints

Walgreens Weight Management 

New virtual GLP-1 program with licensed doctors and nurse practitioners. No subscription, no commitment. Available in 28 states for adults ages 18-64.

• ⭐ No subscription fee 
• Insurance/Payment: 
  • Self-pay only
  • Designed for patients whose employer doesn’t cover GLP-1s
• Cost: 
  • $49/visit
  • Wegovy tablets from $149/month
  • injectables from $199/month via Rx Savings Finder
• Pros: 
  • FDA-approved meds only (Wegovy, Zepbound, Saxenda)
  • Integrates with Walgreens pharmacy
  • No contract or commitment
  • Providers available 7am-11pm CT, 7 days/week.
• Cons: 
  • Brand new — no track record yet
  • Only 28 states
  • Ages 18-64 only
  • No coaching or behavioral support.