Talkspace is a subscription-based online therapy platform offering messaging, video, and psychiatric services for teens, adults, and couples, both in the U.S. and internationally. While it accepts many major insurance providers, cash-pay costs can be high, with therapy plans ranging from $276–$436 monthly, and psychiatry services starting at $299 for an evaluation and $175 per follow-up.
While Talkspace doesn’t offer financial aid or free services, there are multiple ways to save for those paying out of pocket. Plus, we’ve got a special discount code—CT85—you can use to receive $85 off your first month.
Key Takeaways
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 or our promo code. We maintain that Talkspace is generally a good choice for those with in-network insurance, but those paying cash who want to try it out can take advantage of getting $85 off their first month with our code, CT85.
We also added information about Talkspace’s pilot program offering free therapy to U.S. Navy sailors at six bases.
Talkspace - Online Therapy With or Without Insurance
Your therapist can help you process thoughts and feelings, understand motivations, and develop coping skills. Covered by most major insurance plans. Talkspace also accepts Medicare in some states. The average copay is $15, but many people pay $0. Try Talkspace
Use Our Talkspace Promo Code CT85 for $85 Off
Taking advantage of discounts makes online therapy more accessible, especially if cost is a concern. For instance, by using our exclusive Talkspace promo code—CT85—you can save $85 on your first month of services. This discount gives you the opportunity to explore the platform at a lower price, helping you determine whether it meets your needs before committing long-term.
Whether you decide to continue with Talkspace or explore other online therapy options, this offer allows you to make a more informed and budget-friendly decision.
How to Find Additional Talkspace Promo Codes
To find additional Talkspace promo codes, start by checking the Talkspace website, as any special features or promotions for users should appear on its homepage. Additionally, consider signing up for its newsletter or following Talkspace on social media to receive early access to exclusive deals or time-limited discounts.
Be sure to regularly check for updated Talkspace discount codes to ensure you get the best price available.
Discounts for Self-Pay Members
With Talkspace, you can access mental health care with or without insurance. That said, for those paying out of pocket, the higher monthly cost can be a deterrent. Talkspace costs from $276–$436 depending on your subscription plan, and it doesn’t currently offer financial aid or free services; however, there are several options to save for members who pay out of pocket.
According to Talkspace, here are its current percentage-based discounts and bundle deals:
Billing recurrence discount: For those who pay out of pocket, Talkspace is charged as a recurring subscription. You may receive 10–20% off when you select quarterly or biannual billing instead of monthly.
Psychiatry bundles: Take advantage of bundled pricing (buying multiple sessions at once at a discounted rate) for psychiatric sessions.
- For new members:
- Initial evaluation + 1 follow-up: $435
- Initial evaluation + 3 follow-up sessions: $725
- For members who have completed the initial evaluation:
- 3 follow-up sessions: $475
- 6 follow-up sessions: $890
- 9 follow-up sessions: $1,260
Tips for Using Talkspace Coupon Codes
Only one discount can be used per transaction. Coupons are also only valid at checkout and cannot be applied to past charges. If you receive any coupon codes from Talkspace, they can’t be used for psychiatry services or accounts paid through U.S. health insurance, employers, or organizations. However, if you’re switching to out-of-pocket therapy, you may be eligible for a discount, which you can apply at checkout.
What Is Talkspace?
Talkspace is a subscription-based online therapy and medication management platform that works with clients via messaging, video sessions, and live workshops. It connects people 13+ with licensed therapists who can help them navigate a variety of mental health challenges and conditions, including anxiety and depression. In addition to working with both teens and adults, Talkspace provides therapy and workshops for couples.
Online Therapy for Adults & Teens
Talkspace’s online therapy services are expansive, covering everything from individual and couples therapy to LGBTQIA+ therapy, therapy for veterans, and teen therapy. Additionally, teens in New York City can receive Talkspace therapy for free through the NYC Teenspace program.
Those who engage with Talkspace can receive treatment for depression, anxiety, bipolar disorder, OCD, PTSD, postpartum depression, panic disorders, and more.
Couples Therapy
With Talkspace couples therapy, partners gain access to valuable insight on their relationship, learn conflict-resolution skills, and improve overall satisfaction. Talkspace provides relationship counseling, marriage counseling, and premarital counseling.
Psychiatry
You can access Talkspace’s medication management and psychiatry services in addition to talk therapy or separately. Within a week, Talkspace can connect you with a provider for evaluation, prescription, and ongoing care as-needed.
How Much Does Talkspace Cost?
Talkspace costs range from $276–$436 monthly, depending on the plan. For those 18+, psychiatry services are also available at an initial $299 and $175 per follow-up. With insurance, costs are much lower, and many members may have a $0 copay for their monthly subscription.
Talkspace accepts payment through major US health insurance plans, employer coverage, Employee Assistance Programs (EAP), and out-of-pocket with a credit or debit card. Currently, Talkspace does not accept international health insurance plans. It also does not take payment through PayPal, personal or business checks, ACH payments, or crypto.
Does Talkspace Take Insurance?
Talkspace accepts most major insurance plans, including Cigna, Optum, Carelon, Aetna, TRICARE, Regence, Anthem, and more. It also takes traditional Medicare and Medicare Advantage plans in many states.
Employer Coverage
When people have access to mental health care, they tend to be more effective at work, not to mention happier in general.1 This fact has resulted in more employers deciding to offer health care plans with mental health benefits. To find out whether your employer offers covered online therapy with Talkspace, reach out to your HR department. If your employer utilizes an EAP, you may need a specific code to access Talkspace through that program.
Using a FSA/HSA to Pay for Talkspace
Talkspace clients can use their FSA or HSA card just like a debit card to pay for therapy, or they can use a credit or debit card to pay for their subscription and then submit a superbill to their FSA or HSA to receive 50–90% of the cost of Talkspace back. Check with your provider to confirm what information they need.
Talkspace - Online Therapy With or Without Insurance
Your therapist can help you process thoughts and feelings, understand motivations, and develop coping skills. Covered by most major insurance plans. Talkspace also accepts Medicare in some states. The average copay is $15, but many people pay $0. Try Talkspace
Talkspace Plans & Services
Talkspace offers three tiers of therapy subscription costing between $276–$436 monthly. These services are available to teens (13–17) and adults (18+). Psychiatric services are priced per-session at $299 for an assessment and $175 per follow-up. Ultimately, specific costs depend on your location and therapist availability.
Here are details regarding Talkspace subscription costs if you’re paying out-of-pocket:
- 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 for this plan 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): While it doesn’t provide one-on-one therapy, Talkspace Go 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.”
*You can choose to purchase extra live sessions for $65 each.
Leveraging Additional Talkspace Features
Talkspace offers a variety of extra features designed to complement your therapy experience and support your mental health. Live weekly webinars, for example, are included in the price for Video + Messaging + Workshops. They provide valuable insights from mental health professionals on topics like anxiety, stress management, and mindfulness.
For all other subscription plans, monthly costs allow you to explore mindfulness activities and guided meditations through the app. Leveraging these features can enhance your mental health journey by giving you additional resources outside of therapy sessions and messaging.
Privacy Considerations
Talkspace ensures full compliance with the Health Insurance Portability and Accountability Act (HIPAA). Annual assessments are conducted to maintain up-to-date compliance. All data is encrypted, and members are required to use two-factor authentication.
How to Sign Up for Talkspace
To sign up for Talkspace, visit the Talkspace website. You’ll begin by answering a few questions about your mental health needs and preferences, such as the type of therapy you’re looking for and any specific concerns. Afterward, you’ll create an account by providing basic information like your email address, password, and a unique nickname for privacy.
Depending on your chosen plan, you may be matched with a therapist immediately or get a selection of potential providers to choose from. Once you’re matched with a therapist, you can begin communicating and scheduling sessions right from the platform.
When I tried Talkspace, it took me less than ten minutes to complete the sign-up process.
How to Get the Most Out of Talkspace
To get the most out of Talkspace, try to be clear and honest about your goals and challenges. This will help you choose the right therapist when given a choice and switch therapists if necessary. Don’t hesitate to use all of Talkspace’s features, including messaging, mindfulness exercises, progress tracking, journal prompts, and workshops, if they are part of the plan you selected.
It can help to set reminders for your therapy appointments, as well as any suggested activities between appointments, to stay consistent with your participation. Lastly, give yourself some grace and be patient with the process—therapy takes time, and open communication and self-compassion will allow you to benefit as much as possible from the platform.
Benefits of Online Therapy
Online therapy makes getting mental health treatment easier and more convenient. It allows you to connect with a therapist from the comfort of your home, which can be a huge relief if you’re dealing with anxiety, mobility issues, or a packed schedule.
Since you can communicate through messaging, phone, or video, you have the flexibility to choose what works best for you, and the convenience of not having to commute. Many people feel more comfortable opening up in their own space, where it feels private and safe. Plus, with online therapy, you have a broader selection of therapists to choose from, helping you find someone who really gets you.
Frequently Asked Questions
Does Talkspace Offer Financial Assistance?
No, Talkspace does not offer financial assistance, but it does accept insurance from a variety of providers, which can significantly lower the cost. It’s worth checking with your insurance company to see if your plan covers Talkspace services.
If you are looking for an online therapy platform that offers financial aid, consider Betterhelp for financial assistance.
Is There a Free Trial for Talkspace?
No, Talkspace does not offer a free trial, but it sometimes provides promotional discounts for an initial month of services. For instance, use our code CT85 for $85 off your first month of Talkspace. Be sure to check for any ongoing promotions or discounts that might help reduce the cost of online therapy.
How Can I Apply a Talkspace Promo Code?
To apply a Talkspace promo code, enter the code during the checkout process when you’re signing up for a plan. After selecting your therapy plan, you’ll see an option to input a promo code before finalizing payment. Once entered, the discount will be applied to your total cost. Make sure the code is valid and hasn’t expired to ensure it works properly.
Are There Any Student Discounts Available for Talkspace?
Currently, Talkspace does not offer student discounts. However, it does offer savings for people who pay out of pocket. For therapy services, self-pay members get 10–20% off if they choose quarterly or biannual billing. For psychiatry, Talkspace offers bundled pricing, allowing people to buy multiple months’ worth of service at a time for a reduced rate.
Does Talkspace Offer Discounts For Military or Veterans?
No, Talkspace does not offer a discount for active military members or veterans other than its new pilot program with the U.S. Navy, allowing sailors at six bases to access the platform for free; however, it does accept most major insurance plans (including TRICARE). The average copay for Talkspace is typically less than $30 for those using insurance.
Is There a Talkspace Free Trial for New Users?
No, there is no free trial for new Talkspace users. However, you can access a 7-day free trial of Talkspace Go, Talkspace’s self-guided therapy app. For those who wish to continue after their free trial, Talkspace Go costs $29.99 monthly.
Where Can I Find Reviews of Talkspace’s Services?
For a full review, read Choosing Therapy’s comprehensive Talkspace review.
What Are the Options for Financial Aid With Talkspace?
While Talkspace doesn’t offer financial aid, it does accept insurance from many providers, which can significantly reduce costs. Additionally, some employers and organizations partner with Talkspace to offer coverage or discounted rates for employees. You can also look for occasional promotional codes and discounts from Talkspace.
How Does Talkspace Differ From BetterHelp in Terms of Costs & Services?
When comparing Talkspace vs. BetterHelp, one of the key differences is insurance coverage: While Talkspace focuses on working with insurance groups, allowing in-network members to access therapy at a lower cost, BetterHelp does not accept insurance. Instead, they operate on a cash-pay model and offer financial aid for those who qualify. Additionally, while Talkspace offers medication management services, BetterHelp does not.
Can I Combine Multiple Talkspace Discount Codes or Promo Codes?
No, Talkspace does not allow you to combine multiple discount codes or promo codes. You can only apply one promo code at checkout.
Can I Get a Refund if I Forgot to Use My Talkspace Promo Code?
If you forgot to use your Talkspace promo code, you can request a refund from their support team within 90 days of the charge’s posting date. While they will evaluate your request, refunds are not guaranteed.
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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Cao, X., Zhang, H., Li, P., and Huang, X. (2022). “The Influence of Mental Health on Job Satisfaction: Mediating Effect of Psychological Capital and Social Capital.” https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8860985/
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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). What is Talkspace Go and how do I get started? Retrieved from: https://help.talkspace.com/hc/en-us/articles/18375691893403-What-is-Talkspace-Go-and-how-do-I-get-started
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Talkspace. (May 21, 2023). What is an Employee Assistance Program (EAP)? Retrieved from: https://www.talkspace.com/blog/what-is-eap/
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Talkspace. (2025). Accepted Forms of Payment/Coverage. Retrieved from: https://help.talkspace.com/hc/en-us/articles/360000286963-Accepted-Forms-of-Payment-Coverage
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Talkspace. (March 10, 2025). Talkspace Supports U.S. Navy Pilot to Provide Free Virtual Mental Health Services. Retrieved from: https://investors.talkspace.com/news-releases/news-release-details/talkspace-supports-us-navy-pilot-provide-free-virtual-mental
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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: Added information about Talkspace’s pilot program with the U.S. Navy. Added relevant sources. 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.
Author: Emily Adamek, B.A.
Medical Reviewer: Kristen Fuller, MD
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