Paying for mental health care shouldn’t be confusing. This guide explains how Talkspace billing works, whether you pay out of pocket, use insurance, or receive benefits through an Employee Assistance Program (EAP), your employer, school, or city.
If you’re paying out of pocket for Talkspace, here’s how billing works depending on whether you’re on a psychiatry or therapy plan:
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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.
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: What’s Included in My Talkspace Plan That I Pay Out of Pocket?
Wondering why you were charged? Check out this article.
NOTE: If you pay for Talkspace out of pocket, you may be able to submit a superbill or invoice to your insurance provider for out-of-network reimbursement, or to your FSA/HSA for possible reimbursement.
If your health plan includes Talkspace as an in-network provider, your sessions are covered under your behavioral health benefit. While virtual, our services follow standard telehealth billing practices, similar to a regular in-person clinician’s office. Any charges reflect the professional services you receive.
Depending on your plan, a deductible, coinsurance and/or a copay could apply until your out-of-pocket maximum is met. Here's a guide to understanding the different insurance terms: Understanding Your Insurance Policy and Cost-Share.
NOTE: Insurance claims are billed using Talkspace's group Tax ID and National Provider Identifier (NPI), not your individual therapist’s or prescriber’s credentials.
Contact our Support team to request our NPI and Tax ID to share with your insurance if you want to confirm your network status or avoid unexpected out-of-network costs. You don’t need your individual therapist’s or prescriber’s license number, as providing it can cause confusion when verifying coverage.
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.
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Invoice Sent: You receive an email with your Talkspace invoice, usually with a subject like “FYI we charged your card and here's why” or “New invoice from Talkspace.”
- If a refund is due, it'll be automatically returned to the card on file after your claim is completed.
Please be aware that health insurance coverage doesn't 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 doesn’t have access to your individual health plan details, so they can’t provide information on your final costs until a claim is processed.
If you're unsure about any charges from Talkspace, these articles might be able to help:
Talkspace is available to you for free if you receive it as part of your employee or EAP benefits package. Contact your EAP administrator if you have any questions on the benefits available to you.
IMPORTANT: You may be charged a fee if you miss a live session or cancel/reschedule with less than 24 hours’ notice. If you receive a charge while using an EAP plan, we recommend reviewing this article for more information: Why Was I Charged if I’m Covered by an Employee Assistance Program (EAP)?
If you’re covered through your employer, school, city, or another organization, they have partnered with us to provide access to our licensed providers as a confidential benefit at no cost to you.
For information on why you might still be charged even though you’re covered, check out this article: Why Was I Charged if I Have Sponsored Benefits from My Employer, City Health Department, or School District?
If Talkspace isn’t fully covered by a benefits provider, you generally need a valid payment method on file before scheduling a session. To learn more about why this is required, check out Why Do I Have to Provide My Payment Information When Talkspace is Covered?