Cerebral Review: What It Costs, Treats and Discloses

Cerebral is an online mental health company offering therapy, couples therapy and medication management; its FAQ says its plans include regular virtual sessions, and its therapy plan page describes 60-minute video or phone sessions. As of September 11, 2026, its homepage described the service as evidence-based therapy and medication management and said it is available in all 50 states.

Cerebral's FAQ, checked the same date, says it treats many mental health conditions, including anxiety, depression, insomnia, postpartum depression, menopausal depression, and trauma and PTSD, along with ADHD, bipolar disorder and alcohol dependence, each of the last three marked "in certain states." It also says it can support relationship issues and divorce, stress and anger management, grief and loss, phobias and coping with illnesses, among other concerns.

As of September 11, 2026, Cerebral's medication plan page listed a flat out-of-pocket rate of $180 every 3 months, "including prescription costs when you use our pharmacy." The FAQ on Cerebral's homepage, answering "How much does Cerebral cost without insurance?", said instead that the cost of medication is billed separately and may be covered by insurance depending on your benefits, and that its in-house pharmacy, CerebralRx, does not currently accept insurance but takes HSA/FSA funds. Its therapy plan page listed a flat out-of-pocket rate of $175 per session for the same date.

For insured clients, Cerebral's plan pages stated an average copay of $30 per session as of September 11, 2026, while noting that some plans may require up to $290 for an initial prescriber intake or up to $250 for therapy if your deductible has not been met. Cerebral says those costs are FSA and HSA eligible.

Cerebral's FAQ page and therapy plan page, checked September 11, 2026, said you may schedule additional therapy sessions, which will be billed at $175 per session. The FAQ on its homepage and on its plans page, after describing its 2x and 4x a month therapy plans, said additional sessions will be billed at $135 per session.

Cerebral's site menu links "Pricing" to its plans page, and these figures appear on its medication and therapy plan pages, which you can view without signing up.

As of September 11, 2026, the Insurance menu on Cerebral's site listed Aetna, Blue Cross Blue Shield, Cigna, Optum and UnitedHealthcare under "Our providers," each linking to its own page. Cerebral's plans page, under the heading "Yes, we take insurance," said: "We're currently in-network with several insurance providers and are in the process of expanding who we work with." Its insurance partners page says you create an account to see if Cerebral is in network with your insurance carrier and which services are covered under your plan, and then choose medication, therapy or both.

Cerebral's FAQ states that its service is for anyone 18 or older who is not a beneficiary of Medicaid. If you have CHAMPUS coverage, Cerebral says you may pay out of pocket instead. Separately, Cerebral says it is not in-network with TRICARE, CHAMPUS, CHAMPA or any other government payer plan, though clients with those plans can still pay out of pocket without a referral. Cerebral's Heroes program offers veterans, active military and their families 15% off subscription costs, per the same FAQ.

Cerebral says it has therapists and prescribers licensed in every state plus Washington D.C., but care is limited to residents of the states where a given provider is licensed, and scheduling availability can vary by location, as stated on its site as of September 11, 2026.

Cerebral's medication plan page, checked September 11, 2026, says: "We do not prescribe controlled substances (like Adderall, Xanax, or Ambien)." For ADHD, the page's medication list names Viloxazine (Qelbree), Atomoxetine (Strattera), Bupropion (Wellbutrin), Clonidine (Kapvay) and Guanfacine (Intuniv), followed by "We do not prescribe stimulants." If you are looking for a stimulant prescription for ADHD, Cerebral's own page says that is not something it offers.

Cerebral charges a $50 fee for sessions you cancel or reschedule less than 24 hours before the appointment time, or that you miss, as stated on its FAQ as of September 11, 2026. To cancel your subscription entirely, Cerebral directs you to your account settings and recommends discussing the decision with your provider first, noting there may be risks associated with stopping your medication or treatment abruptly.

Cerebral's own FAQ, checked September 11, 2026, says the company has acquired Resilience Lab, a behavioral health organization, citing clinical workforce shortages as part of the reason. The page does not give a date for the acquisition.

On April 15, 2024, the FTC announced that "Cerebral, Inc. has agreed to an order" to settle Federal Trade Commission charges, and that under the proposed order Cerebral "will also be required to pay more than $7 million over charges that it disclosed consumers’ sensitive personal health information and other sensitive data to third parties for advertising purposes and failed to honor its easy cancellation promises." The FTC said its complaint charges that Cerebral provided sensitive information of "nearly 3.2 million consumers to third parties such as LinkedIn, Snapchat and TikTok," and alleges that "Despite promising that consumers could “cancel anytime,” Cerebral required its clients to navigate a complex, multi-step, and often multi-day process to cancel." According to the FTC, the proposed order would "Permanently ban Cerebral from using or disclosing consumers’ personal and health information to third parties for most marketing or advertising purposes" and require it to "provide consumers with an easy method to cancel services." On May 8, 2025, the FTC said an independent refund administrator, Epiq Systems, "is sending payments totaling more than $5 million to 40,249 affected consumers," and that "Payments will go to consumers who submitted a request to cancel their subscription on or before May 2022, but who Cerebral continued to charge."

Cerebral's flat out-of-pocket rates for medication and therapy, and its willingness to show those numbers on its plan pages without a signup wall, may suit you if you want to compare cost before starting an assessment. Its insurance pricing may also work if your plan is with one of the insurers its site names and its coverage check confirms it, though its FAQ says the service is for anyone who is not a beneficiary of Medicaid.

If you are looking for a stimulant or another controlled substance, Cerebral's medication plan page says it does not prescribe them. Before you commit to a plan, you can read Cerebral's current cancellation steps and fees in its FAQ.

We don't currently list Cerebral in our rankings. This page carries no tracked links, and we earn nothing if you sign up.

Is Cerebral legit?

Cerebral is an operating online mental health company as of September 11, 2026, offering therapy and medication management with published pricing on its plan pages. On April 15, 2024, the FTC announced that Cerebral had agreed to an order to settle FTC charges, under which it would pay more than $7 million, and on May 8, 2025, the FTC said payments totaling more than $5 million were being sent to 40,249 affected consumers. This review does not rate whether Cerebral is a good fit for you, only what it and the FTC state.

Does Cerebral prescribe Adderall or other stimulants?

No. Cerebral's medication plan page, checked September 11, 2026, states it does not prescribe controlled substances, naming Adderall, Xanax and Ambien as examples, and separately says it does not prescribe stimulants for ADHD. For ADHD it instead lists Viloxazine (Qelbree), Atomoxetine (Strattera), Bupropion (Wellbutrin), Clonidine (Kapvay) and Guanfacine (Intuniv).

How much does Cerebral cost without insurance?

As of September 11, 2026, Cerebral's medication plan page listed a flat $180 every 3 months, "including prescription costs when you use our pharmacy," and its therapy plan page listed $175 per session. The FAQ on Cerebral's homepage says the cost of medication is billed separately, so it is worth asking Cerebral how your prescription will be billed before you sign up.

Does Cerebral take insurance and Medicaid?

As of September 11, 2026, the Insurance menu on Cerebral's site named Aetna, Blue Cross Blue Shield, Cigna, Optum and UnitedHealthcare, and its medication and therapy plan pages said insured clients pay an average copay of $30 per session. Its insurance partners page says you create an account to see if Cerebral is in network with your insurance carrier. Its FAQ says its service is for anyone who is not a beneficiary of Medicaid, though CHAMPUS beneficiaries may pay out of pocket instead.

What happened between Cerebral and the FTC?

On April 15, 2024, the FTC announced that Cerebral had agreed to an order under which it "will also be required to pay more than $7 million over charges that it disclosed consumers’ sensitive personal health information and other sensitive data to third parties for advertising purposes and failed to honor its easy cancellation promises." The FTC said its complaint charges that Cerebral provided sensitive information of nearly 3.2 million consumers to third parties such as LinkedIn, Snapchat and TikTok. On May 8, 2025, the FTC said an independent refund administrator was sending payments totaling more than $5 million to 40,249 affected consumers who submitted a request to cancel their subscription on or before May 2022, but who Cerebral continued to charge. These figures are quoted from the FTC announcements as re-read on ftc.gov on September 11, 2026.

Can I cancel a Cerebral subscription anytime?

The FAQ on Cerebral's homepage says: "You can cancel your subscription plan at any time for any reason." Cerebral's FAQ page, checked September 11, 2026, directs you to cancel through My Account, then Subscription Plan, then Cancel Subscription, and encourages you to discuss cancellation options with your prescriber or therapist first. It says your subscription stays active until your billing cycle ends. Separately, sessions canceled or rescheduled less than 24 hours ahead, or missed, carry a $50 fee.