Online therapy covered by insurance

Not to worry! Even if you don't have a health insurance plan that covers mental health services, Talkspace is still more affordable than most co-pays for in-person therapy. You can also pay with an FSA/HSA card, if you have one.

Many employers also offer employee assistance programs (EAP) designed to help employees access therapy and counseling services at very low to no cost. Check with your human resources department to see if there are any mental health services available to employees.

Coverage will depend on your insurance company and health plan. Some of the mental health services most often covered include:

• Co-occurring behavioral health and medical conditions 
• Psychiatric emergency care
• Talk therapy - cognitive behavioral therapy and psychotherapy sessions
• Telemedicine or virtual therapy
• Outpatient therapy sessions
• Addiction treatment and detox services

Coverage for psychiatric care will depend on your insurance provider. To see if you're covered for psychotherapy or psychiatric care, check our current partner list, contact your benefits department, or call the member services number on the back of your insurance card.

Your health plan may cover prescribed medication management, but specific questions about your eligibility, benefits, or prescriptions must be directed to your health insurance provider.

With Insurance: Generally, health insurance will cover psychiatrist visits. The amount of coverage you can expect will vary. There are multiple factors that impact your out-of-pocket expenses, including referral costs and in vs. out-of-network costs. Some plans may require a referral from a primary care doctor, and many will only cover in-network providers. 

Without Insurance: Costs for an appointment with an online psychiatrist can vary depending on where you live and what mental health specialty you need. Generally, an initial assessment with a psychiatrist costs more than follow-up sessions because that initial session will be longer, include a mental health evaluation, and a preliminary treatment plan.

Yes! Online psychiatrists can identify and treat mental health conditions just like in-person providers. The key distinction between in-person and online psychiatric care is how the service is provided. Talkspace providers can conduct sessions from wherever you're most comfortable, with the added advantage of being able to prescribe medications to treat mental health conditions (with the exception of controlled substances) virtually.

Yes, Aetna currently covers Talkspace as an in-network mental health service. However, even if your Aetna plan doesn’t cover online therapy or psychiatry, you can still submit an out-of-network claim for reimbursement in full or partial. Most insured members pay an average copay of less than $40.

Yes, Talkspace therapy and psychiatry services are covered in-network by Cigna with select plans. Most insured members pay a copay of $30 on average. People who have Cigna insurance can get most therapy and psychiatry covered in-network. Check with your Cigna insurance provider to see if your plan is covered. 

Yes, you should be able to get some therapy and psychiatry insurance coverage if you have Humana insurance. It may be only covered through your company EAP, so make sure to check your individual coverage details. However, most insured members pay an average copay of less than $30.  

Even if your specific Humana plan doesn’t cover Talkspace, they may still cover part or all of your online therapy cost if you submit an out of network claim for reimbursement. Make sure to check to see if your specific plan is covered.

Yes, UMR insurance covers Talkspace therapy or psychiatry as an in-network service, but coverage details for your individual plan may vary. Check with your UMR insurance provider to see if you can submit a claim for reimbursement towards online therapy or psychiatry. Most insured members pay an average copay of less than $30.

Yes, Regence currently covers Talkspace online therapy and psychiatry as an in-network service in select plans. Check with your Regence insurance to see if your plan covers therapy and psychiatry at Talkspace. Most insured members pay an average copay of less than $26.

Yes, Optum insurance covers therapy and psychiatry at Talkspace. Optum covers Talkspace as an in-network service for select plans. Check if your plan is covered. Most insured members pay an average copay of less than $26.