Most Aetna® members pay an average copay of less than $40

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Access affordable mental health care

Therapy without insurance can be expensive — but Talkspace accepts Aetna insurance and member copays average less than $40 per visit.

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Resources for Living (RFL)®  members who wish to begin sessions using their RFL benefit, please click here.

Aetna mental health
coverage with Talkspace

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Your mental health coverage may include

Aetna’s mental health benefits cover members for clinically proven, personalized care with Talkspace.

Aetna members can match with a Talkspace therapist in just a few days and get access to affordable sessions via live video, live audio (phone call), live chat, or text messaging. Your therapy options will depend on your Aetna plan’s coverage.

*Copays represented are averages. Members in high-deductible health plans must satisfy the deductible before copays apply. Check your policy to confirm coverage details.

Your copay could
be as low as


Average Aetna member copay per session


Enter your insurance details to verify your coverage today!

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Comprehensive mental health solutions covered by Aetna

Affordable mental health care is possible with Aetna insurance coverage. Talkspace partners with Aetna insurance to cover therapy and psychiatry so costs don’t hold you back from better mental health.

Get affordable care, when and where you need it

Cost of care shouldn’t stand in the way of feeling better. Break down barriers to mental wellness with Aetna therapy insurance coverage for Talkspace and get flexible care from the comfort of your home.

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Getting started with Talkspace & Aetna

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Check eligibility

See what you can save through your Aetna insurance plan.
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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 within a few days.
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Begin the journey towards
a happier, healthier you.
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Alcohol use

Anorexia Nervosa

Antisocial personality


Attention-Deficit Hyperactivity Disorder

Binge Eating Disorder

Bipolar I Disorder

Bipolar II Disorder

Bipolar Mixed episodes

Bipolar disorder

Borderline Personality Disorder

Borderline personality


Conduct Disorder

Cyclothymic Disorder

Depersonalisation-Derealisation Disorder


Disruptive Behavior Disorders

Disruptive Mood Dysregulation Disorder

Dissociative Amnesia

Drug abuse

Eating disorders

Emotional disturbance

Excoriation Disorder

Forensic psychology


Gender dysphoria and gender-affirming approaches to treatment

General issues

Histrionic Personality Disorder


Impulse control disorders


Internet addiction

Issues with pornography use

Mood disorders

Narcissistic Personality Disorder

Narcissistic personality

Neurodevelopmental disorders



Oppositional Defiant Disorder


Paranoid Personality Disorder

Persistent Depressive Disorder (Dysthymic Disorder)

Personality disorders


Quiet Borderline Personality Disorder

Rejection Sensitive Dysphoria


Schizotypal Personality Disorder

Seasonal Affective Disorder

Self Harm

Sexual abuse

Sleep-wake Disorders

Social Anxiety Disorder

Social Phobias

Specific Phobias


Substance Use Disorder

Suicidal Ideation



Thinking disorders

Trauma and PTSD



Video Game Addiction

150+ conditions and treatment approaches

Aetna plans cover access to numerous mental health treatments, ranging from aid for depression and anxiety to managing bipolar disorder. Mental health service plans generally cover most therapy session forms and counseling services to help members manage various conditions.

Access a wide network of support

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Access across all
50 states

Within days (on average) from signup and QuickMatch™, Talkspace’s highly qualified therapists and prescribers can deliver evidence-based clinical care in all 50 states.

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Diverse network of therapists
& prescribers

Our expansive network covers 150+ areas of expertise, more than a third of our providers identify as BIPOC, and 30% experienced in LGBTQIA+ issues.

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Highly qualified provider

Talkspace clinicians are fully trained, licensed, insured, credentialed, and certified according to NCQA standards.

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Frequently Asked Questions

Does Aetna cover mental health care?

Most plans offered by Aetna include some form of mental health service coverage. Depending on your insurance plan, you should be covered for therapy and psychiatry with Talkspace. You’ll also likely have coverage for medications related to diagnosed mental health conditions.

Does Aetna cover therapy?

The cost of therapy is typically covered under Aetna insurance plans. Aetna therapy coverage includes Talkspace online therapy. Aetna plans cover examinations and follow-up meetings with licensed mental health clinicians.

Disclaimer: While the Affordable Care Act (ACA) of 2014 mandates that health plans cover mental health services, make sure to check with your insurance provider or review your policy details to learn more about your Aetna insurance therapy coverage.

Does Aetna cover depression?

Yes, Aetna provides mental health benefits that include coverage for depression. Those covered by an Aetna health plan have access to medication and therapy for depression.

Does Aetna cover anxiety?

Yes, Aetna provides mental health coverage which includes the diagnosis and treatment of anxiety. Depending on your specific plan, Aetna will cover the cost of Talkspace therapy and may cover medication for anxiety.

Does Aetna cover PTSD?

Yes, Aetna does cover the treatment of PTSD. They offer mental health coverage for members diagnosed with PTSD.

Does Aetna cover online therapy?

Aetna policies offer coverage for online treatment through Talkspace.This includes convenient and secure video chat, live video sessions (LVS), audio calls and text messaging tailored specifically toward helping manage symptoms associated with common psychological issues.

Does Aetna cover prescribed medication?

Aetna typically covers psychiatrist-prescribed medication when deemed medically necessary to treat a diagnosed condition or illness related to the patient’s mental health. Under an Aetna plan, your sessions with a Talkspace psychiatrist and prescribed treatment plan are covered; however, medication fulfillment and cost will depend on your local pharmacy. Over-the-counter medications aren’t included in this type of coverage. Talkspace providers do not prescribe controlled substances.

What types of therapy are covered by Aetna?

Aetna covers access to many therapy session plans and counseling services, so finding the most effective mental health treatment plan for your condition is simple. Talkspace offers many traditional types of therapy that fall under Aetna mental health coverage: 

  • Psychotherapy: Also known as talk therapy, psychotherapy is the umbrella term used to describe many techniques designed to address thoughts, behaviors, and emotions that aren’t useful or productive. 
  • Cognitive behavioral therapy (CBT): A form of talk therapy that helps you identify and then change unhelpful and unhealthy thought and behavior patterns. Online CBT can be done and covered with insurance by Talkspace.
  • Dialectical behavioral therapy (DBT): A type of talk therapy that focuses on intense emotions; commonly used for personality disorder treatment, such as borderline personality disorder treatment. If you’re interested in this type of therapy, you can get online DBT covered by Aetna through Talkspace.

Does Aetna cover couples therapy with Talkspace?

Yes, Aetna mental health benefits do cover multiple therapy approaches with Talkspace including couples therapy.


Have questions?

We address most common questions on the Talkspace FAQ page.

Do you still need help with a specific issue?

Contact Talkspace at [email protected]

to get answers, share feedback, or voice a complaint.

Disclaimer: Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).