Navigating Insurance Coverage Expiration: Your Guide to Continuity of Care

To ensure billing accuracy, Talkspace regularly checks your insurance coverage for updates. If you're prompted to update your insurance information or receive a message indicating that no credits are available, it likely means your coverage needs to be updated.

In such cases, follow these steps:

1. Contact your health insurance provider to confirm that Talkspace is in-network and that telehealth benefits are included in your plan.
2. Once you’ve confirmed Talkspace is in-network, follow the “Coverage expired” in-room prompt or the steps in How Do I Apply/Update My Coverage? to reapply your coverage.
   • If you’re not finding the option to update your coverage, you can instead add a new service, which will create a new room with the payment method or coverage that you choose.

If you receive a notice in your Talkspace account that your insurance coverage has expired, you'll need to update it by the given deadline. If you don't, any future sessions with your provider will be canceled, and your room will automatically close. If you choose to update your coverage after the deadline, we'll always welcome you back whenever you're ready.

Even without the same coverage, you can continue care by keeping an up-to-date form of coverage or payment on your plan.

Here are some options to consider:

• Pay out-of-pocket for a Talkspace plan or subscription
• Switch to a new insurance plan
• Use benefits from an employer or other sponsored programs

Read more about these options here: Accepted Forms of Payment/Coverage.

Once you’ve decided how you’d like to proceed, follow the in-room prompt or the steps in How Do I Apply/Update My Coverage? This will allow you to either switch to out-of-pocket payment or update your coverage. If you’re not finding the option to update your coverage, you can instead add a new service, which will create a new room with the payment method or coverage you choose.

Most likely you'll be able to continue your services with your existing provider if they are available and in-network under your new coverage or payment method.

If your provider is no longer available under your new coverage, we'll do our best to match you with a similar provider so you can continue to receive care.

Regardless of whether you update your coverage, any ongoing messaging session will remain open until the deadline for updating your coverage has passed. At that point, the session will automatically close.

If there are no changes between your old and updated coverage, you'll be matched to the same provider and keep all your scheduled sessions.

If your coverage or payment method changes, your scheduled sessions cannot be transferred, so you'll have to reschedule them.