Pros and cons
Pros
- Most insured members have a $0 copay, by Talkspace's own figure.
- Therapy and psychiatry on one platform: therapists can't prescribe, but you can add psychiatry to the same account.
- Original Medicare covers Talkspace therapy in all 50 states and DC.
- Switch providers from your account settings at no extra cost.
- Couples therapy and teen therapy (ages 13 to 17) on the same platform.
Cons
- Talkspace says its matching doesn't use a provider's self-identifying characteristics, so you can't ask it for a Black therapist.
- Talkspace is not enrolled with Medicaid.
- Original Medicare doesn't cover Talkspace psychiatry.
- No financial aid or free therapy. Self-pay psychiatry costs $299 for the first evaluation and $175 per follow-up.
Pricing and coverage
- Pricing
- Most insured members pay a $0 copay. Self-pay therapy from $69/week for messaging or $99/week for video plus messaging.
- Insurance
- Accepts commercial insurance
- Notes
- Lists Aetna, Anthem, Blue Cross Blue Shield, Carelon, Cigna, Optum, Regence and TRICARE. Original Medicare covers its therapy in all 50 states and DC, but not psychiatry. Talkspace is not enrolled with Medicaid.
Who Talkspace is right for
Talkspace fits if you have insurance and want therapy, medication management, or both, in one place. It says it is in network with most major insurers and that most insured members have a $0 copay. Talkspace therapists can't prescribe, but you can add psychiatry to your account for evaluations and medication management.
Insurance, Medicare and Medicaid
Talkspace lists plans from Aetna, Anthem, Blue Cross Blue Shield, Carelon, Cigna, Optum, Regence and TRICARE. Original Medicare (Part B) covers Talkspace therapy in all 50 states and DC, but not its psychiatry. Medicare Advantage plans may cover psychiatry, so check with your plan.
Talkspace says it "is currently not enrolled with Medicaid." If you have Medicaid, read how to find therapy that takes Medicaid.
Without insurance
Self-pay therapy starts at $69 a week for messaging, $99 a week for video plus messaging, and $109 a week with workshops added. Paying quarterly or twice a year saves 10 to 20%.
Self-pay psychiatry costs $299 for the first evaluation and $175 for each follow-up, about every three months. Talkspace doesn't offer financial aid or free therapy.
Finding a Black therapist on Talkspace
Talkspace's matching asks about your concerns, your preferred provider gender, and your language. It says it doesn't use a provider's "self-identifying characteristics" in matching.
What you can do: browse its provider directory at talkspace.com/therapists and read profiles.
If you're using insurance, you can book from the directory when the provider you pick is available. Otherwise, send Talkspace support the names of 3 to 4 providers you'd like, and it will try to match you with one of them. You can switch providers from your account at any time.
If you're open to a therapist outside Talkspace, start with our directory of Black therapists, where every listing rests on the clinician's own word that they are Black.
How to use it
Enter your insurance at sign-up before you choose a plan. Talkspace says that if it shows you subscription prices after you enter your insurance, your plan may not be in network, so call your insurer before you pay.
In crisis right now? Call or text 988, the Suicide and Crisis Lifeline, any time. If you are in immediate danger, call 911.
Our methodology
We read Talkspace's own homepage, insurance page, psychiatry page and help center articles on September 28, 2026, and every fact here comes from them. We did not sign up or attend sessions. The rating is our editorial judgment of those published facts.
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