Online therapy covered by insurance

With over 100 million Americans covered, Talkspace is the top insurance-covered therapy service. Most covered members pay an average copay of less than $30.
Select your insurance company to see your coverage (Don't see your plan? Click here to check your coverage)
What you may be covered for

Depending on your specific plan, Aetna members may be eligible for unlimited therapy sessions.

Aetna members will be matched with a therapist within a few days!

Talkspace therapy may be conducted through live video, live audio, live chat, or ongoing messaging, depending on your plan's coverage and/or your personal preference.

*Copays represented are averages for Talkspace members. Please check your insurance coverage; your final copay may vary based on your coverage.

Your copay could
be as low as
$0
Average Aetna member copay per session
$40

Enter your insurance details to verify your coverage today!

Check eligibility
What you may be covered for

Depending on your specific plan, Cigna members may be eligible for unlimited therapy sessions.

Cigna members will be matched with a therapist within a few days!

Talkspace therapy may be conducted through live video, live audio, live chat, or ongoing messaging, depending on your plan's coverage and/or your personal preference.

*Copays represented are averages for Talkspace members. Please check your insurance coverage; your final copay may vary based on your coverage.

Your copay could
be as low as
$0
Average Cigna member copay per session
$30

Enter your insurance details to verify your coverage today!

Check eligibility
What you may be covered for

Depending on your specific plan, Optum members may be eligible for unlimited therapy sessions.

Optum members will be matched with a therapist within a few days!

Talkspace therapy may be conducted through live video, live audio, live chat, or ongoing messaging, depending on your plan's coverage and/or your personal preference.

*Copays represented are averages for Talkspace members. Please check your insurance coverage; your final copay may vary based on your coverage.

Your copay could
be as low as
$0
Average Optum member copay per session
$26

Enter your insurance details to verify your coverage today!

Check eligibility
What you may be covered for

Depending on your specific plan, Carelon Behavioral Health members may be eligible for unlimited therapy sessions.

Carelon Behavioral Health members will be matched with a therapist within a few days!

Talkspace therapy may be conducted through live video, live audio, live chat, or ongoing messaging, depending on your plan's coverage and/or your personal preference.

*Copays represented are averages for Talkspace members. Please check your insurance coverage; your final copay may vary based on your coverage.

Your copay could
be as low as
$0
Average Carelon member copay per session
$22

Enter your insurance details to verify your coverage today!

Check eligibility
What you may be covered for

Depending on your specific plan, Regence members may be eligible for unlimited therapy sessions.

Regence members will be matched with a therapist within a few days!

Talkspace therapy may be conducted through live video, live audio, live chat, or ongoing messaging, depending on your plan's coverage and/or your personal preference.

*Copays represented are averages for Talkspace members. Please check your insurance coverage; your final copay may vary based on your coverage.

Your copay could
be as low as
$0
Average Regence member copay per session
$26

Enter your insurance details to verify your coverage today!

Check eligibility
Over 50% of Americans struggle
with their mental health
That’s why Talkspace is now working directly with health plans and companies to make therapy more affordable. To get started, simply share your insurance provider or employer during checkout and we’ll confirm eligibility.

Here’s how it works

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Check eligibility

See what you can save
through your insurance.
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Brief assessment

Answer a few questions to get started.
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Personalized match

We’ll match you with a provider (typically within 48 hours).
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Start therapy

Begin the journey towards
a happier, healthier you.
Check eligibility

Benefits of Talkspace

  • Low-stress & private - Book Live Video Therapy Sessions from the privacy of your home
  • Personalized support - Develop a mental health plan to achieve goals on your timeline
  • Thousands of licensed therapists - Switch any time, at no extra cost

Thousands of 5-star reviews

Vannerzzz
Mar 21, 2020 • App Store
5 stars
As a young professional with so much constantly up in the air, I found it hard to make time to find a therapist, schedule convenient appointments, and build a relationship... only to move again several months later. Talkspace simplified this all for me being in an app and my therapist is THE BEST
Cherry_Vanilla79
Apr 16, 2020 • App Store
5 stars
With this app, I can send a message whenever I need or want to, and ramble on as long as I want without a timer hanging over my head...I can take the time I need to say the things I want to, and once I’m done, my therapist comes back with support and questions to help me move forward in my mental health journey.
J.H
Jul 8, 2020 • Play Store
5 stars
This has been the most amazing experience and far surpassed any expectations I had. My therapist is brilliant...genuinely empathetic and provides solid direction, support and advice.
Vannerzzz
Mar 21, 2020 • App Store
5 stars
As a young professional with so much constantly up in the air, I found it hard to make time to find a therapist, schedule convenient appointments, and build a relationship... only to move again several months later. Talkspace simplified this all for me being in an app and my therapist is THE BEST
Cherry_Vanilla79
Apr 16, 2020 • App Store
5 stars
With this app, I can send a message whenever I need or want to, and ramble on as long as I want without a timer hanging over my head...I can take the time I need to say the things I want to, and once I’m done, my therapist comes back with support and questions to help me move forward in my mental health journey.
J.H
Jul 8, 2020 • Play Store
5 stars
This has been the most amazing experience and far surpassed any expectations I had. My therapist is brilliant...genuinely empathetic and provides solid direction, support and advice.
Get started

Research on Online Therapy effectiveness

Talkspace vs face-to-face therapy

80% thought Talkspace was as effective or more effective than traditional therapy.
98% found it to be more convenient than traditional therapy.
Percentage of clients experiencing
clinically significant change within:
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25
%
44
%
Face-to-face
Talkspace
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Get started with insurance

Insurance can now cover up to 100% of your monthly plans costs.
Check eligibility

Frequently asked questions

What insurance does Talkspace accept?

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Talkspace currently accepts insurance from Premera, Cigna, Optum, Gatorcare, Aetna, and more. We work with many health plans, employee assistance programs (EAP), and educational organizations to make online therapy available and affordable for all. You can view our full partner list here.

What is Talkspace?

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Talkspace is an online therapy platform that provides counseling, medication management, and other mental health services. It's the most convenient and affordable way to connect with a licensed therapist — all from the privacy of your device. Send your therapist text, audio, picture, and video messages at any time, and they will respond daily, 5 days/week. If you’re looking for the “face-to-face” therapy experience, we also offer Live Video Sessions so you and your therapist can plan to connect in real-time.

Does Talkspace take insurance?

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Yes! Talkspace partners with health plans across the U.S. to make therapy and mental health care more accessible than ever before.

What if I’m not covered by my insurance?

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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.

Are Talkspace therapists licensed?

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Yes. Our national network features thousands of licensed therapists across all 50 U.S. states and Canada. Talkspace therapists have, on average, 9 years of experience as professional mental health care providers, and have been carefully vetted and trained to use our platform.

How does Talkspace protect my privacy?

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At Talkspace, your privacy and security are our #1 priorities. Our platform is HIPAA-compliant and encrypted banking-grade, industry standard technology. All interactions with your therapist are confidential and private. In addition, Talkspace always requires a password for use, and our iOS app accommodates Touch ID and Face ID on enabled devices. For more details, read our Privacy Policy.

What mental health services are covered by insurance?

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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

Does insurance cover psychiatric care?

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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.

How much does a psychiatrist cost with or without insurance? 

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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.

Can an online psychiatrist prescribe medication?

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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.

Does Aetna cover therapy and psychiatry?

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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.

Does Cigna cover therapy and psychiatry?

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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. 

Does Humana cover therapy and psychiatry?

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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.

Does UMR cover therapy and psychiatry?

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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.

Does Regence cover therapy and psychiatry?

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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.

Does Optum cover therapy and psychiatry?

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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.