Talkspace is a subscription-based online therapy platform offering messaging, video, and webinar services for individuals 13+ and couples across the US and internationally. Talkspace costs range from $276–$436 per month, depending on the plan. For those 18+, psychiatry services are also available at $299 for an initial appointment and $175 per follow-up. Thankfully, Talkspace takes many insurance plans, which could significantly lower costs for anyone with mental health benefits.
Editor’s Notes
We regularly review and update our content to ensure the most accurate and up-to-date information. In this round of updates, nothing has changed regarding Talkspace’s cost. We maintain that it’s generally a good choice for those with in-network insurance (and even Medicare) looking for comprehensive care.
How Much Is Talkspace?
Subscriptions to Talkspace cost anywhere from $276 per month for a messaging-only plan to $436 monthly for messaging, weekly video sessions, and access to workshops. Psychiatric services are priced per-session at $299 for an assessment and $175 per follow-up. Ultimately, specific costs depend on your geographic location and therapist availability, and you may be able to use a Talkspace promo code to try it out at a discounted rate.
Talkspace accepts most major insurance plans, including Cigna, Optum, Carelon, Aetna, TRICARE, Regence, Anthem, and more. It also takes traditional Medicare in most states, as well as some Medicare Advantage plans.
A newer offering from Talkspace is its self-guided counseling app, Talkspace Go, which offers access to classes and live, therapist-led sessions. It’s a much more affordable option at $29.99 monthly after a 7-day free trial. This could be a good option for those not needing as much hands-on support, or wanting extra resources in addition to in-person or online therapy.
Talkspace Pricing Per Plan
Talkspace offers three tiers of therapy subscriptions costing between $276–$436 monthly. These services are available to teens (13–17) and adults (18+). It also offers a self-directed app that could be a decent option for people who don’t need individualized care.
Here are additional details regarding Talkspace costs for each subscription tier:
- Messaging Only Therapy ($276 monthly): This plan gives you a dedicated chatroom where you can send text, audio, or video messages to your therapist anytime. Therapists will respond to messages at least once daily, Monday–Friday. Costs start at $276 monthly, advertised at $69 weekly.
- Video + Messaging Therapy ($396 monthly): This plan gives you four, 30- to 50-minute video sessions with your therapist every month, as well as full messaging capabilities. Costs start at $396 monthly, advertised at $99 weekly.
- Video + Messaging Therapy + Workshops ($436 monthly): This plan includes everything from the Messaging Only and Video Therapy plans, as well as access to live weekly Zoom workshops with licensed providers on various mental health topics. Costs start at $436 monthly, advertised at $109 weekly.
- Talkspace Go ($29.99 monthly): Talkspace Go only offers online classes and access to live workshops. Talkspace says it’s a way for “couples, individuals, and parents to take progress into their own hands, in as little as five minutes a day.”
Couples Therapy Cost
Talkspace couples therapy costs $436 monthly. With this subscription, you receive everything you would with a Video + Messaging + Workshops plan, including unlimited messaging, weekly video therapy sessions, and weekly workshops, which include topics created with couples in mind, such as “Overcoming Resentment” and “Increasing Emotional Safety Together.”
Psychiatry Cost
Available for anyone 18+ in the US, Talkspace psychiatry is billed per session. An initial evaluation session costs $299 and follow-up sessions are $175 each. To save money, you can buy psychiatry sessions in bundles.
Here is the cost breakdown for psychiatry bundles from Talkspace:
- For new members
- Initial evaluation + 1 follow-up session: $435
- Initial evaluation + 3 follow-up sessions: $725
- For members who have completed their initial evaluation
- 3 follow-up sessions: $475
- 6 follow-up sessions: $890
- 9 follow-up sessions: $1,260
Payment Options at Talkspace
Talkspace accepts payment through most major US health insurance plans, employer coverage, Employee Assistance Programs (EAP), and out-of-pocket with a credit or debit card. You can also pay with an FSA or HSA card. For international users, Talkspace offers cash pay.
Does Talkspace Take Insurance?
Yes, Talkspace accepts insurance from most major insurance providers, including Cigna, Optum, Carelon, Aetna, TRICARE, Regence, Anthem, and more. It also accepts traditional Medicare and Medicare Advantage plans in most states. According to Talkspace, the average insured member pays a $15 copay, though for many it could be $0.
Does Talkspace Offer Financial Aid?
No, Talkspace does not currently offer financial aid. However, for members who pay out of pocket, it provides a 10–20% discount for quarterly or biannual billing. For members receiving psychiatric care, Talkspace offers bundled pricing, allowing users to purchase several sessions at once at a discounted rate.
Does Talkspace Offer Discounts?
Choosing Therapy offers its readers an $85 discount on the first month of Talkspace services. Simply use the promo code CT85 at checkout.
If you receive any coupon codes from Talkspace, keep in mind that they can’t be used for psychiatry services or for accounts paid through US health insurance, employers, or organizations. However, if you are paying out-of-pocket for therapy services, you may be eligible for a discount that can be applied at checkout.
Note that only one discount can be used per transaction. Coupons are only valid at checkout and cannot be applied retroactively.
How to Find Talkspace Discount Codes
While Talkspace does not offer financial aid or free therapeutic services, users can receive a discount on their first month of service when they cancel their subscription. For those who want to use Talkspace out-of-pocket and try their services for a lower cost, this could be a decent option. You can also use the promo code CT85 for $85 off your first month.
Employee Assistance Programs (EAP) With Talkspace
Talkspace works with employee assistance programs (EAP) and educational organizations to make online therapy more affordable. EAP programs can provide personal and professional resources for employees, including therapy, continuing education, family/relationship coaching, nutritional counseling, legal advice, and more. Several companies have partnered with Talkspace to offer it as a free resource for employees. For more information, view its full partner list.
Is Talkspace Expensive?
Without insurance, Talkspace costs between $276–$436 monthly. In general, the cost of therapy varies by state, sliding scale, specialist, and session duration. On average, an hour-long session costs $100–$200, although it can be higher in certain locations and for specialists. This would amount to $480–$800 monthly, which on the low-end, makes it comparable to Talkspace’s full-service option without insurance.1
Ultimately, when it comes to affordable out-of-pocket options, Talkspace is not great. There are other more affordable cash-pay online therapy platforms on the market, including BetterHelp. In fact, when I tried Talkspace, one of the only things I didn’t like was the out-of-pocket costs for members without insurance. In this case, you might be better off with Brightside Health, which is consistently the most affordable cash-pay option we’ve found (and it also accepts several major insurance plans). However, Talkspace cost with insurance is highly affordable.
Talkspace Vs. Traditional Therapy
The primary difference between Talkspace and traditional in-person therapy is accessibility. Talkspace provides therapy in a convenient, virtual format where members can message or video chat with a licensed therapist from anywhere. Some might consider traditional therapy to be a more immersive experience, but it requires a larger time commitment plus the inconvenience or impossibility of travel, depending on where you live.
For busy people or folks who lack a reliable form of transportation, online therapy with Talkspace could be an excellent option.
Talkspace Vs. Competitors
While Talkspace could be a great choice for people seeking online therapy or psychiatry, it is not a good solution for everyone. In comparing Talkspace to BetterHelp, the main difference is that Talkspace accepts insurance while BetterHelp is cash-only. Online-Therapy.com also has more affordable out-of-pocket options than either Talkspace or BetterHelp. For more comprehensive care that accepts insurance, Brightside Health could be a great option.
Price: $280–$400 monthly
Insurance Accepted? No
Medication Available? No
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30k+ therapists available -
Same-day appointments available
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Does not accept insurance -
Limited choice over initial therapist
Price: $240–$480 monthly
Insurance Accepted? No
Medication Available? No
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Affordable plans for biweekly or monthly sessions -
Great self-guided resources and content
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Insurance is not accepted -
Exclusively CBT-focused therapy
Price: $95–$349 monthly
Insurance Accepted? Yes
Medication Available? Yes
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Accepts many insurance plans -
Excellent, hands-on care from providers
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Customer service can be slow -
Cash-pay may be too expensive for some
Is Talkspace Worth the Cost?
“Talkspace therapy costs range from $276–$436 monthly without insurance, and can be comparable to traditional in-person therapy, which costs $480–$800 per month for weekly sessions. However, Talkspace is not the most budget-friendly cash-pay option for online therapy. One of the main drawbacks is its higher out-of-pocket expenses for those without insurance.
When using insurance, Talkspace costs become significantly more affordable, with copays often ranging between $0–$15. This makes it an excellent choice for those with in-network insurance coverage who are seeking accessible and flexible therapy. Ultimately, Talkspace’s value depends heavily on whether you’re paying out of pocket or using insurance.
For those who want a more budget-friendly cash-pay option, consider BetterHelp, where you can also apply for financial assistance. Brightside Health is another affordable option with prices ranging from $95–$349 monthly.”
Frequently Asked Questions
Can You Cancel Talkspace Anytime?
Yes, you can cancel Talkspace at any time. There are no long-term commitments, and if you’re paying out of pocket, you can cancel directly through your account settings. Once you cancel, you’ll be able to use any remaining time on your current subscription, but you won’t be billed again unless you enroll again.
If you’re using Talkspace through an Employee Benefit Plan or Employee Assistance Program (EAP), there’s no need to cancel—your corporate plan will expire automatically when your benefits end.
Does Talkspace Have Any Hidden Fees?
No, Talkspace has no unexpected fees or add-ons, which provides peace of mind to users. Everything is included in the monthly subscription plan you choose.
Can I Use My HSA/FSA for Talkspace?
Yes, you can use your FSA or HSA for therapy with Talkspace. During setup, you will be asked to pay and you can input your card information at that time. You can also email Talkspace for a superbill if one is needed for your records or to submit to your insurance for out-of-network reimbursement.
Does Talkspace Issue Refunds?
Yes, Talkspace may offer full, partial, or prorated refunds for services rendered on a case-by-case basis. To get in touch with someone at Talkspace, email them at [email protected].
How Do I Cancel My Talkspace Subscription?
To cancel your Talkspace subscription, go to your account, scroll to the “Payment” section, then click “Stop Subscription.” You can cancel your Talkspace subscription at any time. Your account will be marked as “Do not renew” and you will still have access to your account until your subscription ends. If you’re concerned, email [email protected].
Choosing Therapy strives to provide our readers with mental health content that is accurate and actionable. We have high standards for what can be cited within our articles. Acceptable sources include government agencies, universities and colleges, scholarly journals, industry and professional associations, and other high-integrity sources of mental health journalism. Learn more by reviewing our full editorial policy.
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Lauretta, A., & Hall, A. (May 15, 2024). How Much Does Therapy Cost in 2024. Retrieved from: https://www.forbes.com/health/mind/how-much-does-therapy-cost/
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Talkspace. (2025). Understanding Medicare at Talkspace. Retrieved from: https://help.talkspace.com/hc/en-us/articles/30311451666715-Understanding-Medicare-at-Talkspace
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Talkspace. (2025). Talkspace Billing: How it Works. Retrieved from: https://help.talkspace.com/hc/en-us/articles/360000287026-Talkspace-Billing-How-it-Works
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Talkspace. (2025). Talkspace Services + Out-of-Pocket Pricing. Retrieved from: https://help.talkspace.com/hc/en-us/articles/360041531131-Talkspace-Services-Out-of-Pocket-Pricing
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Talkspace. (2025). Does Talkspace offer discounts? Retrieved from: https://help.talkspace.com/hc/en-us/articles/10766942416155-Does-Talkspace-offer-discounts
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Church, Matthew. (March 14, 2025). Talkspace Review 2025: Pros & Cons, Cost, & My Experience. Retrieved from: https://www.choosingtherapy.com/talkspace-review/
We regularly update the articles on ChoosingTherapy.com to ensure we continue to reflect scientific consensus on the topics we cover, to incorporate new research into our articles, and to better answer our audience’s questions. When our content undergoes a significant revision, we summarize the changes that were made and the date on which they occurred. We also record the authors and medical reviewers who contributed to previous versions of the article. Read more about our editorial policies here.
Author: Emily Adamek, B.A. (No change)
Medical Reviewer: Kristen Fuller, MD (No change)
Primary Changes: Fact-checked and edited for readability and clarity.
Author: Emily Adamek, B.A. (No change)
Medical Reviewer: Kristen Fuller, MD (No change)
Primary Changes: Fact-checked and edited for readability and clarity. Added pricing information for Talkspace Go. Revamped the “Competitors” section to provide more helpful information.
Author: Emily Adamek, B.A.
Medical Reviewer: Kristen Fuller, MD
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