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Accepted Forms of Payment/Coverage

With Talkspace, you can get mental health care - with or without insurance. We set out to make the process convenient, accessible, and affordable so you can connect with a mental health care provider quickly.

We accept payment through major US health plans, employer coverage, Employee Assistance Programs (EAP), and out-of-pocket with a credit or debit card. At this time, Talkspace does not accept international health plans. If you are still interested in our services, we recommend checking out our out-of-pocket plans.

With these ways to pay for Talkspace, you’re just a few clicks away from getting started on your path towards healing. To receive a pricing quote, sign up for an account with us today!

Coverage from US health insurance, Medicare, EAP, employer, or organization
Talkspace partners and works with numerous insurers and organizations to enhance accessibility to mental health services. Review the resources below to get details on each benefit type and how to check your coverage for each!
Out-of-pocket via major debit or credit cards
No coverage? Even if you don't have benefits that help cover mental health services, Talkspace is still more affordable than most in-person therapy and you can pay for care out-of-pocket with any major credit card or debit card.

Some Talkspace clients use a credit or debit card for their subscription and then submit the bill to their Flexible Spending Account (FSA) or Health Saving Account (HSA) plan administrator and receive 50-90% of the cost of Talkspace back.

Check in with your FSA/HSA provider to confirm what information they need to accept the bill. How can I receive an invoice (superbill) for services? will guide you through how to request an invoice from Talkspace.

You may also submit a superbill to your insurance, and be partially or fully reimbursed. This option can be especially beneficial if Talkspace isn't contracted with your insurance plan. We recommend contacting your health plan before starting Talkspace to inquire about potential reimbursement.

Ways you can't pay for Talkspace
We strive to make mental health support as accessible as possible for members. We take multiple forms of payment and offer several options to make treatment more affordable. However, there are a few payment methods you cannot use for Talkspace. You can’t pay for Talkspace services with:
  • PayPal
  • Personal or business checks
  • ACH payments
  • Crypto

Please note, Talkspace does not offer gift cards, nor do we allow non-account holders to purchase sessions or subscriptions for account holders (ie. friends, family members).

Looking to partner with Talkspace? Find out more at How do I offer Talkspace to my employees as a benefit/perk?

Note: We currently do not offer gift cards, but do honor Talkspace gift cards purchased previously.


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