Is Talkspace covered by my health plan, Medicare, EAP, employer?

Talkspace has established partnerships with numerous employers, Employee Assistance Programs (EAP), and organizations, in addition to being in-network with most major U.S. insurers, including Medicare Traditional Part B, Premera, Cigna, Optum, Gatorcare, Aetna, Blue Cross Blue Shield, and many others.

However, please note that Talkspace currently does not accept Medicaid or support international health insurance plans.

To determine your eligibility for Talkspace benefits and uncover any associated costs, dive into the details below.

Am I covered? How do I know if I'm covered under my benefits?
If you're wondering about your coverage for Talkspace, the best approach is to confirm with your health plan, EAP representative, or other coverage providers.

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.

What are the associated costs if I'm covered?
For detailed information on how costs and billing works for different types of coverage at Talkspace, visit Talkspace Billing: How it Works.

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, either a deductible/coinsurance or a copay 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.

For Medicare clients with secondary insurance that is in-network with Talkspace, any costs not covered by Medicare may be covered by your secondary insurance. To understand potential costs of Talkspace services, we recommend contacting both health plans to inquire about your cost-share, confirm which payer is your primary, and check that they're in-network with Talkspace.

Approximate pricing with insurance: Most insured members only pay a $25 copay or less. Discover more about the average costs per health plan type here or get started today to receive an estimated pricing quote.

Does Talksapce accept secondary insurance?
Talkspace currently only accepts secondary insurance information from Medicare recipients. If you're enrolled in Medicare and have supplemental coverage, please contact both your Medicare and your secondary insurance provider to ensure Talkspace is in-network and to review your cost-share. This will help you understand the amount you'll be responsible for when using Talkspace services.

If you're not a Medicare recipient, you can request a superbill and submit it to your secondary insurance for potential reimbursement.

Is coverage required for both my partner and me to be eligible for Talkspace couples/relationship therapy?
If you'd like to apply coverage for couples therapy, only one of you needs coverage.

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?

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