Talkspace has established partnerships with numerous employers, Employee Assistance Programs (EAP), and organizations, in addition to being in-network with most major US insurers, including Traditional Medicare Part B, Premera, Cigna, Optum, Gatorcare, Aetna, Blue Cross Blue Shield, and many others.
Please note that Talkspace currently does not accept Medicaid or support international health insurance plans.
To determine your eligibility for Talkspace benefits and understand any costs associated with your treatment, we invite you to contact your benefits provider directly for details. Our Support team does not have access to your personal coverage details.
For general information, feel free to dive into the details below.
When reaching out to them, be sure to confirm the following:
-
Your eligibility for Talkspace services.
- For EAP, request documentation of the authorization if possible.
- The specific service you're eligible for (e.g., Individual therapy, Relationship therapy, Psychiatry).
- Check whether your benefits extend to your dependents and family members.
- Your cost-share or member responsibility for Talkspace services and medication/prescription costs, if applicable under your health insurance.
Keep in mind that if you see subscription plans with associated prices during registration, it could mean you're not covered. In this case, you might be looking at plans that require you to pay out of pocket.
If you're experiencing difficulties with the sign-up process, we recommend visiting this article: Unable to sign up.
It's important to note that if you wish to receive Talkspace services through your insurance, your health plan provider is your best resource for obtaining personalized information regarding associated out-of-pocket costs! Talkspace does not have access to your individual plan benefits and cannot confirm your final costs before a claim processes.
As an In-Network provider, our services would be included under your Behavioral Health benefit and are unlimited, similar to any face-to-face sessions you might receive. Depending on your plan, a copay, deductible, and/or coinsurance would apply until your out-of-pocket maximum is met. After applying the copay, deductible, and/or coinsurance specific to your benefit plan, your insurance company covers the appropriate portion of the allowed amount. Here's a guide to understanding the different insurance terms: Understanding Your Insurance Policy and Cost-Share.
Approximate pricing with insurance: Most insured members only pay a $30 copay or less. Discover more about the average copay costs per health plan type here or get started today to receive an estimated pricing quote.
We'll submit a claim to Medicare after each session. Medicare will then handle the claim with any supplemental or secondary insurance they have on file for you. This process helps maximize your coverage before you receive a bill for any remaining balance.
To ensure Medicare forwards your claim to any additional insurance, please provide your secondary insurance details when you sign up with Talkspace. If you've already signed up but forgot to include this information, contact Medicare to make sure they have your secondary insurance details.
Please note that we do not accept Medicaid, and it cannot be used as secondary insurance.
We also cannot confirm your final costs until the claim submitted by Talkspace is processed by your health plan(s). For details about your cost-share, we recommend contacting your Medicare and/or supplemental or secondary insurance providers.
More information can be found here: https://www.talkspace.com/coverage/insurance/medicare
If you're not a Medicare recipient:
You can request a superbill and submit it to your supplemental or secondary insurance for potential reimbursement.
The individual whose benefits cover relationship therapy should sign up for couples therapy first and then invite the other individual to join the room.
For members applying insurance: It's important to note that any applicable cost-share will still apply, similar to face-to-face counseling. Your final cost cannot be determined until a claim is processed. We recommend confirming your cost-share or member responsibility directly with your health plan provider.
For guidance on inviting someone to share a couples room with you, refer to the article How do I add my partner to my couples therapy room?