Talkspace Billing: How it Works

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. 

Out-of Pocket/Out-of-Network
Psychiatry Plan: It's not subscription-based. You'll be charged a one-time fee for each session you purchase.

Therapy Plan: This is a subscription-based plan, and billing starts when you're matched with a provider, based on the preferences entered at sign up. All therapy plans automatically renew on the same day of the month (e.g., 10th, 12th) unless you choose to pause or cancel your subscription. You can review these details during sign-up when selecting a plan or within your account on the web or mobile app.

To view your next billing date:
Web Mobile App
  1. Log into your account at
  2. Click on your nickname located on the top-left corner of the screen.
  3. From the dropdown, select View payment and plan.
  4. On the Payment and plan page, you will find your billing cycle and the next renewal date.

Billing and renewal information

Click image to enlarge

Just a 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. 

In-Network or Behavioral Health Benefits
If your health plan includes Talkspace as an In-Network provider, our services would be included under your Behavioral Health benefit and are unlimited, similar to any in-person visit. Depending on your plan, either a deductible/coinsurance or a copay would apply until your out-of-pocket maximum is met.

When your live or messaging session is completed with your Talkspace provider, you'll be charged any applicable copay dependent on your plan, and we'll submit a claim to your health insurance to determine any additional costs owed. Insured members pay an average copay of less than $30*. Feel free to explore average costs per plan here.

After your health plan processes the claim, any necessary billing adjustments will be automatically applied to the card on file. For example, if additional cost-share is owed, we'll charge your card for the remaining balance. If it's determined to be lower, then we'll refund you the difference.

For Talkspace clients who have added Medicare as their primary coverage and entered secondary insurance information, any costs not covered by Medicare may be covered by your secondary plan. Make sure to directly confirm with your secondary plan that Talkspace is in-network and understand any cost-share.

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. Talkspace does not have access to your individual plan benefits and cannot confirm your final costs before a claim processes.

Please be aware that health insurance does not extend to no-show or late cancellation fees for Talkspace's live sessions.

Employee Benefit Plans or Employee Assistance Program (EAP)
Talkspace is available to you for free if you receive it as part of your employee or EAP benefits package. Please contact your EAP administrator if you have any questions on the benefits available to you. 
Employer Sponsored Benefits
If you're covered through your employer, your employer has joined with us to provide you with access to our licensed providers as a confidential benefit at no cost to you. Please contact your employer or benefits department to understand your benefit and if your family/household members are also covered at no cost.

Related Articles

Was this article helpful?
Have more questions? Submit a request