Talkspace review

Talkspace covers the two things most adults weigh first: insurance and a predictable price. It bills insurance directly, names Aetna, Anthem, Cigna, Optum, TRICARE and Medicare among the plans it works with, and says most insured members pay a $0 copay, with an average of $15 per session. Without coverage, plans start at $69 per week for messaging only, $99 per week for up to four 30 minute video sessions a month plus messaging, and $109 with weekly workshops. Plans can be billed monthly, quarterly or every six months, and you can pause or cancel. Matching starts with an online questionnaire, and you can switch therapists at no extra cost. Psychiatry is sold per session, from $299 for an initial evaluation. The weak spots are the short 30 minute video sessions and the weekly self-pay price, which is high if you only want one call a week.

Who it is for

Adults who want to use insurance, or pay a set weekly price, and mix messaging with video sessions.

Price

Most insured members have a $0 copay; self-pay from $69 per week for messaging only, $99 per week with video.

Most insured members have a $0 copay and out-of-pocket pricing starts at $69/week.
Quoted from the vendor pricing page on November 10, 2026.

Key features

• In-network billing with plans such as Aetna, Cigna, Optum and Medicare
• Messaging-only, video plus messaging and workshop plans
• Psychiatry evaluations and medication management
• Couples and teen therapy plans
• Switch therapists at no additional cost

Strengths and weaknesses

• Strength: Average member copay of $15 per session, per Talkspace
• Strength: Clear published self-pay prices for every plan
• Strength: Therapy and psychiatry in one account
• Weakness: Video plans include 30 minute sessions, not full hours
• Weakness: Weekly self-pay prices add up to more than $275 a month
• Weakness: Plan coverage depends on your insurer and deductible

Key facts

• Insurance: In-network with most major plans
• Average copay: $15 per session, stated by Talkspace
• Self-pay therapy: $69, $99 or $109 per week
• Psychiatry self-pay: $299 initial evaluation, $175 follow-up

Where it ranks

Talkspace is No. 1 in our Best Online Therapy Services verdict.