We understand that navigating mental health services can be stressful, which is why we designed our billing process to be simple. With or without health insurance, we make the process of getting help easy. Talkspace clients are billed depending on their plan, billing frequency, and if they're receiving services through an organization or in-network health plan on their account.
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Psychiatry Plans
Psychiatry plans are not subscription-based. You'll be charged a one-time fee for each session you purchase.
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Therapy plans are subscription-based, and billing starts once you're matched with a provider. You’ll be billed automatically at the start of each billing cycle on the same day you signed up. Please note, we’re unable to disable auto-billing or offer payment plans, such as breaking up a subscription charge into invoices to be paid separately, or split payments between different credit cards. A few days before your subscription renews, you’ll receive an email reminder, giving you time to pause your subscription and billing for a week, or cancel your plan if needed.
To view your next billing date, refer to this guide: Where Can I Find Details About My Talkspace Plan, Payment, and Coverage?
Still wondering why you were charged? Check out this article: Understanding Subscription and Out-of-Pocket Charges.
NOTE: If you find a provider who takes your health plan, but your benefits are out-of-network with Talkspace, services will be billed as out-of-network. If you're out-of-network, we make it easy for you to get reimbursed! Learn more about ways to pay and submitting expenses to your HSA/FSA or out-of-network provider.
NOTE: Talkspace bills your insurance under our group Tax ID and National Provider Identifier (NPI), and not under an individual provider’s credentials. If you’d like to verify your network status and avoid potential unexpected out-of-network costs, please contact our Support team to request our NPI and Tax ID information to share with your insurance provider. Please note, there’s no need to request or share your individual provider’s state license number as this could lead to confusion when confirming network status with your insurance provider.
When using health insurance for Talkspace services, the billing process typically follows these steps:
- Session Complete: You complete a therapy or psychiatry session with your provider.
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Copay Charged: You’re charged a copay, if applicable for your health plan, for the completed session.
- Insured members pay an average copay of $30 or less, review average copay costs per plan here.
- Claim Submitted: Your Talkspace provider submits a CPT code explaining the service provided, and our system sends a claim to your insurance.
- Claim Processed: Your insurance provider reviews the claim and pays their share.
- EOB Sent: You receive an Explanation of Benefits (EOB) from your insurance detailing the amount they covered for services you’ve received.
- Final Costs Calculated: Talkspace receives the processed claim and calculates any remaining costs or refunds based on the EOB, and charges or refunds you accordingly.
- Invoice Sent: You receive an email with your Talkspace invoice with email subject lines like the following: “FYI - we charged your card and here’s why”, or “Please pay your outstanding balance.” If instead a refund is due, it’s automatically returned to the card on file after claim processing.
Example of an email you’re sent with a Talkspace invoice. Review the payment summary box for the date and cost of your session, the copay amount, how much your insurance covered and your remaining balance.
Please be aware that health insurance does not extend to no-show or late cancellation fees for Talkspace's live sessions.
If you have questions about your patient responsibility, please contact your health plan directly and ask them about your out-of-pocket cost share for mental health services. Our Support team does not have access to your individual plan information and therefore cannot provide information on your final costs before a claim processes.
If you're unsure about any charges from Talkspace, these articles might be able to help:
If you have been charged despite your coverage, take a look at this article: I Should Be Covered by My Employee Assistance Program (EAP), Why Am I Charged?
For information on why you might be charged even though you're covered, check out this article: I Have Sponsored Benefits from Employers/ City Health Departments/ School Districts; Why Am I Charged?