How does Talkspace work with insurance? (+5 ways to afford therapy)


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Page last updated: 7/09/2022

This article will explain how Talkspace works with insurance. We will also be taking a deeper look at the importance of online therapy. Lastly, we shall be discussing the different ways you can use in order to access more affordable therapy. Online mental health platforms like Talkspace are highly preferred for their easy access and high cost-effectiveness.

How does Talkspace work with insurance?

In order to make therapy more accessible and affordable for all types of economies, Talkspace has synced with many insurance providers so that the costs of the online therapy are covered. If your insurance provider is Optum, Premera Blue Cross Blue Shield, Humana or Cigna. Through insurance, a lot of the costs of the online therapy can be reduced.

Many of the users are still not aware that insurance can cover online therapy as well. To know if you are covered by insurance for your Talkspace account, you can contact your insurance provider directly and ask them if they are covering you for online mental healthcare. You can also check your eligibility through the Talkspace platform.

Importance of online therapy

Online therapy can bring plenty of benefits and advantages to users or clients. It can also be extremely beneficial for therapists as well. Some of these benefits have been described in the following section:

It can be cost effective

Plans on online therapy platforms are highly cost-effective and quite affordable. This is necessary as the main reason why individuals do not access therapy is the money factor. This is also the reason why many clients drop out of programs, even when they need it the most. Also, more insurance providers are covering online therapy as well.


Therapy can be accessed easily

Starting therapy can be quite difficult and may require many steps and a lot of time. The client needs to understand their problems and find a suitable therapist. They might also need to consider affordability and other factors. All these difficulties can be solved through online therapy platforms such as Talkspace.

Anybody can get therapy

Everyone needs equal access to therapy and mental health. However, due to the unequal distribution of resources, many parts of society do not have access to good therapy. These can be slum areas, remote areas or those with high violence rates. Through online therapy, even those in inaccessible neighborhoods can have access to quality mental health care.

Therapists save money

There are a lot of mental health platforms such as Talkspace, Betterhelp and Calmerry. And all these can prove to be virtual workspaces and digital offices for therapists. Those therapists who work in these platforms do not need to invest in an expensive office in a great location which is necessary to bring in the right clients.

Steady inflow of clients

Independent therapists very well know that there can never be a steady inflow of clients. There might be many dropouts and also enrolment can decrease at various times in the year. Also, in order to bring in more clients, therapists might need to spend a lot on marketing. These expenses and worries are nullified through online mental health platforms.

Helpful for disabled persons

Disabled persons might not be able to get out of the house often. And those who are disabled and also have a mental illness or need mental health care can find it quite difficult to make their way to the therapist’s office every now and then. Through online therapy, disabled persons can seek mental guidance and assistance from the comfort of their very own homes.

How does Talkspace work with insurance? (+5 ways to afford therapy)

Wide range of features

Platforms like Talkspace and Betterhelp which provide online therapy, not only connect therapists and clients, but also provide other resources and features. Furthermore, they use multiple modes of communication and interaction, from text messaging, audio messaging and live video sessions.

Wide variety of therapists

These platforms also have a vast army of therapists waiting to take on any type of mental illness. They also do plenty of checks in order to take in only those who are experienced and qualified. Due to the large number of therapists available, the chances of a better client-therapist fit are also high, which is essentially important for the therapy to work.

Ways to access affordable therapy

Therapy, both in-person as well as online therapy, can be quite expensive for anybody. Since therapy is not a one-time affair, it is important to find ways to cut back costs in therapy. Some ways have been discussed below:

  • Check with your insurance provider and see if this covers it. Many platforms like Talkspace have plans that can be covered by insurance.
  • If you are working, check with your HR department to see if they have tied up with mental health providers or EAPs.
  • If you are a student, check with your school admin. Many educational institutions also have an in-house counselor who can provide counseling and therapy.
  • Find a sliding scale therapist who does not necessarily charge by the hour always and only looks for the appropriate cost of the entire session.
  • You can also try group therapy sessions or a support group where you can gain better insights and also meet some new friends.


This article has explained how Talkspace works with insurance. We have also taken a deeper look at the importance of online therapy. Lastly, we have discussed the different ways you can use in order to access more affordable therapy.

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