Our in-network guarantee
Before your first visit, we verify that we’re in network with your insurance. If we make a mistake, we’ll cover the full cost of your first appointment.
.webp)
.webp)
How billing works at Talkiatry
You see your clinician
Have your online appointment with a licensed clinician—no payment required upfront.
We bill your insurance
After your visit, we'll send a claim directly to your insurance clinician.
Your insurance reviews the claim
Your insurer will check your coverage and determine your out-of-pocket cost (if any).
We send you a statement
Once your insurer tells us what you owe, we’ll send you a bill.
Getting a detailed visit copay estimate
Reach out to your insurer for in-depth information about your plan and a visit cost breakdown. Here are some helpful questions to ask them.
.avif)
Insurance terms, explained
Health insurance can get confusing. Here’s what some of the most common terms actually mean.
Coinsurance
Is there a cost to my health system?
A percentage of the visit cost you're responsible for after your deductable is met.
Deductible
Is there a cost to my health system?
The amount you must pay out-of-pocket before insurance starts covering care.
Out-of-network
Is there a cost to my health system?
Clincians or practices that don't have a contract with your plan.
Copay
Is there a cost to my health system?
A fixed dollar amount you pay for a visit.
Explanation of benefits
Is there a cost to my health system?
A document from your insurance company outlining what they paid, what they didn't, and what you might owe.
CPT Code
Is there a cost to my health system?
A standardized code for the healthcare services you recieved, which insurance companies use to process and price your visits.
In-network
Is there a cost to my health system?
A clinician or practice that has a contract with your insurance plan to offer services at a negotiated rate—like Talkiatry.
Out-of-pocket maximum
Is there a cost to my health system?
The most you'll pay in a year before your insurance covers 100% of covered services, including copays, coinsurance, and your deductible.
FAQs
Is self-pay an option?
Is there a cost to my health system?
Right now, we only see patients whose insurance we accept, and we do not currently offer a self-pay option. If you’re interested in self-pay, see our resources page for other places to continue your search in finding care.
Do you take Medicaid?
Is there a cost to my health system?
We don’t take Medicaid at this time. For help finding clinicians that do, see our resources page for other places to continue your search, or your state’s Medicaid website. If you have a primary care provider, they may be able to provide a referral.
Do you offer payment plans?
Is there a cost to my health system?
We offer the option to pay balances over $250 in monthly or biweekly installments. After you receive your first statement, you can enroll online and choose a monthly or biweekly payment plan. The minimum payment is $50 and the maximum repayment period is 6 months.
How does billing work?
Is there a cost to my health system?
We bill your insurance directly, and we won’t send you a statement until they’ve responded. The specific timeframe depends on your insurer. Some patients don’t receive a bill for a few weeks.
If you want to know in advance how much you’ll owe for your visits, we recommend contacting your insurer directly to get the most accurate estimate.
What if I have a deductible?
Is there a cost to my health system?
Some insurance plans have a deductible, an amount you have to pay out of pocket before your insurance company starts paying. If you haven’t reached your deductible, your insurance may not cover the costs of your visits until you do. The best way to find out how much your plan will cover is to call your insurer directly. You can find their number on your insurance card.