Talkspace accepts health insurance from a wide range of insurers, including Cigna, Optum, Aetna, Blue Cross Blue Shield, and many others, offering online therapy as a behavioral health benefit. Most members pay only a copay of $30 or less when using their insurance.
If your health insurance covers Talkspace, your benefits may include:
- Individual therapy
- Couples therapy
- Psychiatry
Getting started with benefits
To check if Talkspace is in-network with your health plan, contact your provider using the number on the back of your insurance card and confirm the following:
- Your eligibility for Talkspace services. (Tip: Ask what your coverage is for Telehealth Services, and specifically for Talkspace)
- The service(s) you're eligible to receive (e.g., Individual therapy, Couples therapy, Psychiatry).
- Whether your benefits extend to your dependent(s) and/or family members.
- Your cost-share or member responsibility like copay, deductible, or out of pocket costs, for Talkspace services provided.
If you have a valid insurance card, you can also check your coverage on our platform and we'll verify your benefits for you. For more information such as questions about your health plan or any potential costs, reach out directly to your insurance provider.
If you already have a Talkspace account
You can add your insurance benefits by updating your coverage in an existing room or adding a new service.
If you’re new to Talkspace
- Open this page and click Check if you’re covered.
- Answer all prompts and enter your insurance information to create your account.
- (Optional) Download our mobile app on iOS or Android.
If you have any trouble applying your health insurance, visit Unable to Use/Add My Health Insurance Coverage.
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IMPORTANT TO VERIFY: If you’re brought to a screen displaying pricing for Talkspace subscription plans (as shown to the right), your insurance may not be in-network and you may be directed to pay out-of-pocket. Please contact your insurance provider for confirmation or proceed with another payment option. |
If your insurance is expiring or has already expired, you'll receive a prompt in your Talkspace room to update your coverage. When it appears, confirm whether Talkspace is in-network with your new insurance so your care can continue without interruption.
You can also update your coverage at any time using How Do I Apply/Update My Coverage? If the option to update isn’t available, you can add a new service instead. This creates a new room with the coverage or payment method you choose.
For further guidance on navigating insurance changes, refer to Navigating Insurance Coverage Expiration: Your Guide to Continuity of Care.
Frequently Asked Questions
You can start messaging your provider right away after you complete the matching process (which typically takes up to 48 hours). Unlike some in-person or out-of-network therapy options, you don't need to wait for a prior authorization or referral to begin services with Talkspace.
We verify your insurance benefits in real-time, which typically confirms that your plan is in-network and provides us with estimated cost details, like your copay. Since we are an in-network provider, we take care of the claim submission and billing process directly with your insurance plan.
To book your first appointment, review this guide: How to Book, Reschedule, or Cancel a Live Session.
Billing for members using health plan benefits follows an insurance claims process, meaning you are typically charged your copay (if applicable) shortly after a session, but the final invoice for any remaining costs (like coinsurance or deductibles) is calculated and sent several weeks later after your insurer processes the claim.
To understand the full billing timeline, from copay to final invoice, review our detailed guide: Talkspace Billing: How it Works.