Talkspace review

Talkspace is the most complete online therapy service for someone with health insurance. It bills plans directly and says more than 100 million Americans are covered, with most insured members paying a $0 copay and an average copay of $15 per session. Without insurance, prices are published plainly: $69 a week for messaging only, $99 for messaging plus up to four 30-minute video sessions a month, and $109 for a plan that adds weekly workshops. Couples therapy is also $109 a week. Plans bill monthly, quarterly or every six months, and you can pause or cancel. Talkspace matches you with a licensed therapist from a short questionnaire, and if the first match is not right you can switch at no extra cost. Psychiatry and medication management sit in the same account, which helps if you may need a prescription later. The trade-offs are short video sessions and messaging replies on five days a week rather than seven.

Who it is for

Insured adults who want messaging plus video therapy, with psychiatry available on the same platform.

Price

Self-pay from $69 per week for messaging, $99 per week with video; most insured members pay a $0 copay.

Most insured members have a $0 copay and out-of-pocket pricing starts at $69/week.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Messaging, live video and combined plans for individuals, teens and couples
• Bills insurance directly, including Aetna, Cigna, Optum and Medicare plans
• Psychiatry and medication management on the same platform
• Switch therapists at no extra cost
• Extra live video sessions for $69 each

Strengths and weaknesses

• Strength: Most insured members pay a $0 copay
• Strength: 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: Psychiatry is priced separately, from $299 for an evaluation
• Weakness: Therapists reply to messages 5 days a week, not daily

Key facts

• Self-pay price: $69 to $109 a week
• Insurance: Yes, billed directly
• Average copay: $15 per session
• Session length: Up to four 30-minute video sessions a month
• Psychiatry: Yes, initial evaluation $299 self-pay

Where it ranks

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