Without insurance, BetterHelp costs $70 to $100 a week and Talkspace plans start at $69 a week. Talkspace lists Aetna, Anthem, Cigna, TRICARE, Medicare and Medicare Advantage among covered plans and says most insured members pay a $0 copay, while BetterHelp says many of its providers accept major insurers, with copays as low as $15. Talkspace also offers psychiatry and prescriptions; BetterHelp's therapists do not prescribe medication.
- $70 to $100BetterHelp, without insurance
- copays as low as $15BetterHelp, with insurance
- from $69 a weekTalkspace, without insurance
On this page
Prices at a glance
- BetterHelp, without insurance$70 to $100
- Talkspace, with insurance$0 copay for most insured members
Side by side
betterhelp
- $70 to $100Per week; depends on location, preferences and therapist availability
- BetterHelp, with insurance[1]copays as low as $15For eligible members; coverage depends on plan and provider
talkspace
- from $69 a week
- Talkspace, with insurance[3]$0 copay for most insured members
Prices are national ranges from the sources listed below. Your price depends on your provider, location and case; confirm the cost with your provider before treatment. How we get these prices
BetterHelp vs Talkspace side by side
| BetterHelp | Talkspace | |
|---|---|---|
| Price without insurance | $70 to $100 a week[1] | From $69 a week[3] |
| Insurance | Many providers accept major insurers; copays as low as $15[1][2] | Aetna, Anthem, Cigna, TRICARE named; most insured members $0 copay[3] |
| Medicare | Not listed | Medicare and Medicare Advantage listed[3] |
| Sessions | Self-pay: live video, phone or chat; insurance: live video[2] | Video, voice or live chat[3] |
| Messaging | Self-pay: message any time; insurance: journal and limited messaging[2] | Unlimited messaging, may vary by insurance[3] |
| Psychiatry and prescriptions | Not offered; providers will not prescribe[1] | Offered[3] |
| Teens | TeenCounseling.com, ages 13 to 19[1] | Ages 13 to 17[3] |
| Couples | Regain[1] | Couples therapy[3] |
| Network size | More than 31,000 licensed therapists[1] | 5,600 licensed providers[3] |
| Switching | Request a different therapist[2] | Switch any time at no cost[3] |
BetterHelp vs Talkspace cost
Without insurance, the starting prices are a dollar apart: Talkspace plans begin at $69 a week, and BetterHelp’s range is $70 to $100 a week.[3][1] BetterHelp says your price depends on your location, how you found the site, your preferences and therapist availability, and that you can cancel your membership at any time.[2]
Insurance and Medicare
Talkspace names Aetna, Anthem, Cigna and TRICARE among covered insurers, lists Medicare and Medicare Advantage, and says most insured members have a $0 copay.[3] BetterHelp says many of its providers now accept major insurance carriers, with copays as low as $15 for eligible members, depending on your plan, provider and availability.[1][2] Run each company’s coverage check with your member ID before you start. See Medicare telehealth coverage for what Medicare pays for virtual visits.
How therapist matching works
Both match you after a short online questionnaire. BetterHelp says matching can take a few hours to a few days, and you can ask for a different therapist if the fit is not right.[2] Talkspace matches you with a provider licensed in your state, and you can switch therapists any time at no cost.[4][3]
Medication and psychiatry
Talkspace offers psychiatry and prescriptions.[3] BetterHelp’s providers will not prescribe medication.[1] Whether you need medication is a decision to make with a clinician.
Other options
Care Anytime’s Virtual Mental Wellness benefit lets members schedule 30-minute phone or video appointments with a mental health professional from 7 a.m. to 10 p.m., seven days a week, in English or Spanish, for concerns such as depression, anxiety, stress and grief.[6] See telehealth visit cost for per-visit mental health prices at other services.
If you are in crisis, call or text 988, or chat at chat.988lifeline.org. The 988 Lifeline is free, confidential and available 24/7.[5]
Frequently asked questions
Is BetterHelp or Talkspace cheaper?
Without insurance, Talkspace's plans start at $69 a week and BetterHelp's range is $70 to $100 a week, so the starting prices are within a dollar. With insurance, Talkspace says most insured members have a $0 copay, and BetterHelp says eligible members can pay copays as low as $15.
Does Talkspace take insurance?
Yes. Talkspace says major insurers including Aetna, Anthem, Cigna and TRICARE are covered, lists Medicare and Medicare Advantage as coverage options, and says most insured members have a $0 copay. Check your own plan's coverage.
Does BetterHelp take insurance?
BetterHelp says many of its providers now accept major insurance carriers, with copays as low as $15 for eligible members. Coverage depends on your plan, the provider and availability. Insurance members get live video sessions; self-pay members can also choose phone or chat.
Can BetterHelp or Talkspace prescribe medication?
Talkspace lists psychiatry and prescriptions among its services. BetterHelp says its providers will not prescribe medication and may not be able to make a formal diagnosis. Talk with a clinician about whether medication is right for you.
Do BetterHelp and Talkspace offer therapy for teens and couples?
Talkspace lists teen therapy for ages 13 to 17 and couples therapy. BetterHelp refers couples to Regain and teens to TeenCounseling.com, both operated by BetterHelp, which serves ages 13 to 19.
How many therapists do BetterHelp and Talkspace have?
On October 30, 2026, BetterHelp's site showed more than 31,000 licensed therapists, and Talkspace's site listed 5,600 licensed providers.
Related
Sources
- 1 BetterHelp. BetterHelp: online therapy. Accessed Oct 30, 2026.
- 2 BetterHelp. Frequently asked questions. Accessed Oct 30, 2026.
- 3 Talkspace. Talkspace: online therapy and psychiatry. Accessed Oct 30, 2026.
- 4 Talkspace. Frequently asked questions. Accessed Oct 30, 2026.
- 5 988 Suicide and Crisis Lifeline. 988 Lifeline. Accessed Oct 30, 2026.
- 6 Care Anytime. Virtual Mental Wellness. Accessed Oct 30, 2026.