Which insurance does Talkspace accept? (+5 pros)

This article will discuss which insurance Talkspace accepts. We shall also explain how you can check if you are covered in your Talkspace account. In addition to this, we shall look at some of the advantages and disadvantages of online therapy. Online therapy has been growing in popularity due to its easy accessibility and also affordability.

Which insurance does Talkspace accept?

Talkspace accepts insurance from a variety of health insurers to ensure that there is easy access to mental health for everyone in all walks of life. The platform is covered by Cigma, Optum, Blue Shield and Humana. With this kind of insurance coverage, users from all economic backgrounds can have access to quality mental health care.


How to check if you are covered in Talkspace?

To check if your insurance covers your Talkspace use, you can follow these steps which have been described below:

  • Go to your Talkspace and click on your username which is located at the upper left part of your screen
  • This will give you many options from where you can choose the ‘Account’ option
  • Click on the ‘Check my coverage’ option which will give you all your details related to your insurance coverage
  • You can also directly talk to your insurance provider or visit their website to know more about this
  • If you are using an iOS app, you will need to click on the settings icon in the form of a cogwheel
  • From the options provided to you, go down to ‘Eligibility and Coverage’ and then click on ‘Check my Coverage’


Advantages of online therapy

Online therapy is becoming increasingly preferred as compared to real-time or in-person therapy as it provides a wide range of benefits and advantages for users.


Online therapy is easily accessible

There is no doubt that online therapy is way more accessible than in-person therapy. Here, the therapist can be easily accessed from anywhere at any time and thus makes it highly preferred. Online therapy platforms, like Talkspace, can also be easily accessed through any type of mobile device, bringing even more accessibility and convenience to users.

It is more cost-effective

In-person therapy can be quite expensive for any type of client. This high cost of therapy is the biggest factor in discouraging individuals from approaching therapists. However, online therapy platforms offer a wide range of paid plans which users of various economic backgrounds can easily opt from and choose according to their affordability.


It helps disabled persons

Many cities and towns are not exactly disabled-friendly and thus disabled persons can find it hard or difficult to move around. This is also true for mental health offices and health care centers which might be difficult to access regularly for disabled persons. Online therapy can be a great choice for disabled persons as they can easily access mental health care in their homes.

It benefits therapists

Online therapy can not only benefit individuals, but can also be great for therapists themselves. Many therapists, especially those who have just started practicing, cannot afford a large office in a good location and for them online therapy platforms can provide the right features and accessories to work with clients and also bring in more clientele.

It can be safe in times of COVID-19

Research studies have shown that online therapy has significantly grown in popularity ever since the start of the COVID-19 pandemic. This is because there is a great element of physical safety presented through online therapy which might not be available in in-person therapy. Thus, many users still prefer online therapy to ensure better social distancing and lesser risks of infection.

It is quite effective

While many individuals still have their qualms about online therapy, research has shown that it is just as effective as in-person therapy. It also brings additional features like security, safety, confidentiality and comfort that in-person therapy might not bring. This high level of effectiveness also contributes to the popularity of online therapy platforms.

Disadvantages of online therapy

Online therapy does have its share of advantages and benefits, but also comes with some disadvantages and limitations. Some of the disadvantages have been mentioned below:

  • It relies on strong and sturdy internet connections which might not be available all the time. In addition, the internet connection here needs to be of high-speed, which might not always be accessible and feasible, especially in remote areas.
  • While online therapy platforms try to ensure better comfort for users, many still complain of a lack of personal connection with their therapists when the therapy is conducted online.
  • There is also a chance of data leaks and security breaches. Online therapy platforms do have strict guidelines and security features that try to prevent data theft. However, there have been many instances in the past where the confidentiality and security of the clients have been compromised.
  • Many online therapy platforms do not have features or teams who can respond to crisis situations and thus would be quite pointless in times of an emergency. And thus, those users who require a therapist urgently cannot use these platforms when they actually need it the most.

BetterHelp: A Better Alternative

Those who are seeking therapy online may also be interested in BetterHelp. BetterHelp offers plenty of formats of therapy, ranging from live chats, live audio sessions and live video sessions. In addition, unlimited messaging through texting, audio messages and even video messages are available here.

BetterHelp also offers couples therapy and therapy for teenagers in its platform. Furthermore, group sessions can also be found in this platform, covering more than twenty different topics related to mental health and mental illness. The pricing of BetterHelp is also pretty cost-effective, especially considering the fact that the platform offers financial aid to most users.


This article has discussed which insurance Talkspace accepts. We have also explained how you can check if you are covered in your Talkspace account. In addition to this, we have looked at some of the advantages and disadvantages of online therapy.





Online Mental Health Therapy in a COVID-19 World

Talkspace (UnitedHealthcare)