1. Insurance (Partner covered by Talkspace)
Insurance is the most prominent and well-known way to pay for some or all of your treatment.
Does insurance cover the treatment? Completely? Depending on your provider, plan, coverage, and deductible, the cost of treatment can vary. Talkspace accepts most major insurance companies, including:
- Blue Cross Blue Shield
- and more
Remember that even with insurance, you’re still responsible for covering any co-payments or coinsurance due. These fees can be easily paid through our platform, and treatment cost Copays vary depending on the type of coverage and your plan.
2. Employer coverage
Search It shows that when employees have adequate access to mental health care, they are more effective and productive at their jobs, happier and miss less work.
This incentive eventually led to more employers offering health care plans that included mental health coverage. Talkspace has partnered with hundreds of employers and organizations across the country, removing a significant portion of the barrier to reaching so many people faced in the past. If you want to find out if your employer offers covered online therapy through Talkspace, contact your company’s human resources department.
3. EAP sessions
Many workplace employee assistance programs (EAPs) offer employees a set number of therapy sessions.
If your EAP covers mental health care, you can start after a brief assessment that takes less than two minutes to complete. You will be matched with a provider and can begin treatment, often within days.
4. Through HSA or FSA payment via Superbill
Superbills is a suitable option for some Talkspace members. Basically, premium billing allows you to reimburse you for the cost of your treatment.
to use a Great for treatmentYou pay upfront for your sessions. After that, you can be fully or partially reimbursed through a Health Savings Account (HSA) or Flexible Savings Account (FSA). Both HSAs and FSAs are pre-tax accounts that help you pay for health care expenses such as joint appointments and prescriptions.
The main differences between HSAs and FSAs is that you own a HSA for treatmentYou will not lose the money you put in at the end of each year. On the other hand, FSAs can be thought of as a line of credit that you can borrow against. Keep in mind if you don’t spend everything you contributed to your FSA over the course of the year, in most cases, you’ll lose it at the end of the year. You can also pay directly for treatment with your FSA card.
5. By paying the insurance via Superbill
Superbills can also be offered to your insurance company to reimburse you for treatment.
Like using an HSA or FSA, you can pay out of pocket for your sessions, bill your insurance premium, and be paid in part or in full. This option can be especially useful if your insurance provider is not a Talkspace partner.
6. Out of pocket via major credit or debit cards
You can get Treatment without insurance? You do not need insurance to receive treatment from Talkspace. You can pay for the care out of pocket with any major credit or debit card. Talkspace accepts both domestic and international cards and takes a CareCredit balance when Visa, MasterCard, or American Express is the processor.