How do I apply/update my coverage on my existing Talkspace account?

While Talkspace is not currently in network with Medicare or Medicaid, we work with a number of employers, U.S. health plans, Employee Assistance Programs (EAP), and educational organizations to help cover the cost of the getting the help you need. 

Existing clients can easily update and apply their employee benefits or health insurance coverage through their Talkspace account settings. When their coverage expires, they can continue using Talkspace through self-pay or other coverages by following the same Apply/update my Coverage steps below.

Apply/Update my Coverage
Web Mobile App
Web
  1. Log into your account on www.talkspace.com.
  2. Click on your nickname located on the top-left corner of the screen.
  3. From the dropdown, click on Update my coverage (same option is available if you click on View payment and plan).
    • Choose the room you'd like to apply coverage to and answer the series of questions that follow. 
    • When asked how you would like to pay, follow the steps below depending on how you would like to proceed: 
      • If you're applying/checking coverage, select or enter your insurance provider or indicate you have Talkspace through your organization or EAP coverage. After answering the prompted questions, we'll verify your coverage.
        • If you're not covered, you'll see a screen reflecting Talkspace’s out-of-pocket plans with a one-month discount on pricing.
      • If you're continuing services through self-pay, select I’ll pay out of pocket. 

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Please note: After completing the steps above, a new room with your current provider will be created if you are eligible for coverage. You'll need to discontinue using your previous room after finishing any remaining sessions existing within the room. In a limited number of cases, you may be rematched if your existing provider is unable to continue services due to conflicts of interest with the health plan, etc.

Troubleshooting Insurance Validation Errors
If you’re experiencing difficulties in validating your eligibility and see a screen reflecting Talkspace’s out-of-pocket plans with a one-month discount on pricing, this most often indicates that Talkspace is not considered an in-network provider through your insurance plan.

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If Talkspace is a partner of your health plan provider, you should've been directed to the We couldn’t verify your coverage for Talkspace page while following the Apply/Update my Coverage steps above. When you reach that page, please select the I’m sure my plan covers Talkspace option.

Afterward, you'll be prompted to provide your ID and insurance details. Once we receive your submission, our team will determine your eligibility and notify you via email of the next steps. Please ensure emails from Talkspace are not blocked.

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No Coverage? Find out how you can request for a superbill to submit to your health plan or FSA/HSA at How can I receive an invoice (superbill) for services?

Notes on 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. 

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