Cerebral vs BetterHelp HSA Comparison (2026)

HSA-eligible

Cerebral therapy, psychiatry, and prescribed medications are HSA-eligible. The platform accepts HSA/FSA cards at checkout.

HSA-eligible

BetterHelp therapy is HSA-eligible without an LMN for treatment of diagnosed conditions. HSA/FSA cards accepted at checkout.

Cerebral

Therapy + medication: $325/mo. Medication only: $99/mo. Therapy only: $295/mo.

BetterHelp

$65-100/week, billed every 4 weeks ($260-$400/mo)

When to choose Cerebral

• You need both therapy and medication management in one platform
• You want a prescriber on staff, not just talk therapy
• You prefer a clinical care-coordination model with messaging support

When to choose BetterHelp

• You only need talk therapy, not psychiatric medication
• You want unlimited messaging between live sessions
• You prefer the larger therapist network and matching flow