What forms of payment does Talkspace accept?

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 U.S. health plan, employer coverage, Employee Assistance Program (EAP), or out-of-pocket with a credit or debit card. 

With these ways to pay for therapy, 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.

Insurance
A health plan is the most prominent and well-known way to pay for some or all of your therapy.

Depending on your plan, coverage, and deductible, the cost of therapy can vary. To see if you're in-network for psychotherapy or psychiatric care before you sign up, contact your benefits department or call the member services number on the back of your health plan card. Discover more about the average costs per plan type at Talkspace here.

Copays and Patient Responsibility

If your plan includes Talkspace 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; a maximum cost of service estimate is surfaced to members when signing up under insurance.

If you have questions about your patient responsibility, please contact your health plan directly and asking them about your out-of-pocket cost share for mental health services. Talkspace does not have access to your individual plan benefits and cannot confirm your final costs before a claim processes.

Prescription Coverage

Your health plan may cover prescribed medication, but keep in mind that specific questions about your eligibility, benefits, or prescription costs must be directed to your health plan provider.

Medicaid and Medicare Holders

Talkspace does not accept Medicare or Medicaid, but members can save significantly if they prepay for a quarterly or biannual plan. Explore more about our out-of-pocket costs here.

Employer Coverage
Research shows that when employees have adequate access to mental health care, they’re more effective and productive in their jobs, happier, and miss less work. 

This incentive has ultimately resulted in more employers offering health care plans that include mental health coverage. Talkspace has partnered with hundreds of employers and organizations across the country, eliminating a huge part of the barrier to access so many people faced in the past. If you want to know if your employer offers covered online therapy through Talkspace, reach out to your company’s HR department. 

Employee Assistance Programs (EAP) Sessions
Many workplace EAPs offer employees a specified number of therapy sessions. 

If your EAP covers mental health care, you can get started after a brief assessment that takes less than two minutes to complete. You’ll be matched with a provider and can begin therapy, often in a matter of days.

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 your provider isn’t a Talkspace partner.  

Ways You Can't Pay for Talkspace
We strive to make therapy 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 therapy. You can’t pay for Talkspace services with:
  • PayPal
  • Personal or business checks
  • ACH payments
  • Crypto

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

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