Unfortunately, in none of my research have I found online/remote providers that are covered by insurance. For example, many of the companies that provide online therapy, like LivePerson, don't permit any personal information exchange, so providers couldn't even do the necessary paperwork for reimbursement, so that eliminates the larger organized services that I know.

While clients can sometimes see out of network providers and do the paperwork to submit to their insurance, the insurance plans I've researched do not permit billing for long-distance (non-face-to-face services) except, I've noted in rare cases, clauses that state distance consultations with specialists are covered where it can be proved that the service provided is unavailable within a reasonable driving distance.

FSA/HSA funds can not be used for distance therapy/mental health services to my knowledge.

Of course, I couldn't possibly have researched every insurance plan, so I'm generalizing based on my research, but I don't know anyone or any method to date that has been able to use insurance or be reimbursed for long-distance therapy.

Hope someone else has had a better experience.