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MDLIVE is a large, established telehealth platform that is part of the Evernorth (Cigna) health services network. Unlike many of the subscription-based platforms on this list, MDLIVE is frequently included in employer health benefits, meaning many patients can access therapy or psychiatry visits for insomnia at no additional cost beyond their regular insurance premium. MDLIVE offers both therapy and psychiatry for behavioral health conditions including insomnia, though their approach leans more toward behavioral and therapeutic interventions than aggressive medication prescribing.
What We Like
- ✓Often included in employer health benefits at no additional cost
- ✓Insurance typically accepted with copays as low as $0-$30
- ✓Both therapy and psychiatry available for insomnia
- ✓Established platform backed by major health network (Evernorth/Cigna)
- ✓Providers can specialize in insomnia and sleep issues
- ✓24/7 availability for general medical consultations
Points to Consider
- ✗Significant limitations on prescribing sleep medications
- ✗Self-pay pricing is expensive ($179-$299 per visit)
- ✗May feel more clinical and less user-friendly than newer platforms
- ✗Appointment availability can vary by specialty and location
- ✗Not designed as a sleep-specialist service
- ✗Less streamlined onboarding compared to direct-to-consumer competitors
Key Highlights
- Frequently available at no cost through employer health benefits
- Part of the Evernorth/Cigna network — one of the largest telehealth platforms
- Therapy-based approach may be particularly effective for chronic insomnia
- Accepts major insurance plans including Cigna, Humana, BCBS, and Aetna
Pricing Overview
Therapy Session (with insurance)
Coverage depends on your specific plan. Many employer-sponsored plans include MDLIVE at no additional cost.
$0 - $30 copay
Initial Psychiatry Appointment (self-pay)
First appointment with a psychiatrist for medication evaluation. Insurance may significantly reduce this cost.
$299
Follow-Up Psychiatry (self-pay)
Subsequent psychiatry visits for medication management and treatment adjustments.
$159
Therapy Session (self-pay)
Individual therapy session for insomnia, which may incorporate cognitive behavioral approaches.
$179
How It Works
Check Your Coverage
Verify whether MDLIVE is included in your employer benefits or insurance plan. Many patients already have access at no additional cost.
Create an Account and Book
Set up your MDLIVE profile, select behavioral health as your visit type, and choose insomnia as your concern. Book an appointment with an available therapist or psychiatrist.
Attend Your Virtual Appointment
Meet with your provider via video or phone to discuss your sleep difficulties, medical history, and treatment goals. Your provider will recommend a course of action.
Continue Treatment
Schedule follow-up therapy sessions or psychiatry visits as recommended. Your provider may adjust your treatment plan based on your progress.
The Bottom Line
MDLIVE is worth considering primarily if it is already included in your employer benefits or insurance plan, where it may be available at no additional cost. In that scenario, it offers a cost-effective path to therapy-based insomnia treatment. However, MDLIVE's limitations on prescribing sleep medications and its high self-pay pricing make it less competitive for patients paying out of pocket. If you have access through your employer, check whether MDLIVE behavioral health is included before looking at pricier alternatives.