WedJan 21

National Check Your Coverage Day – January 21, 2026

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How are mental health services covered by your insurance? Established by Talkspace, the top in-network therapy service, National Check Your Coverage Day on January 21 is the perfect opportunity to discover if you’re covered for their quality mental health services as an in-network benefit..

The growing discourse among American adults is that having a mental health condition is nothing to be ashamed of and the number of people receiving mental health treatment is steadily increasing. However, millions of Americans are facing barriers to mental health care, including high costs and difficulty finding providers.

Talkspace provides convenient and affordable online therapy and psychiatry, connecting you with licensed therapists in your state through live sessions and messaging. Many major insurers, including Aetna, Cigna, and Optum, and even the federally-funded program, Medicare, cover Talkspace services with minimal or no copay. Prioritize your mental health—check your coverage today and sign up for the support you deserve.

History of National Check Your Coverage Day

Mental health stigmas are gradually fading as awareness grows and seeking therapy for mental health conditions becomes more normalized. Many U.S. adults experience depression, anxiety, or some other mental or emotional condition. However, a 2019 American Psychological Association survey states that “87% agreed that having a mental health disorder is nothing to be ashamed of.” Additionally, the CDC reports that more Americans have received mental health treatment since 2019, especially younger adults and women, and SAMHSA reveals that the percentage of adults receiving mental health treatment has climbed from 21.8% in the 2022 survey to 23% in 2023. 

But here’s the catch: Over half of adults with a mental illness still don’t receive treatment, which, according to Mental Health America’s “The State of Mental Health in America, 2023 Key Findings,” totals over 28 million individuals. West Health/Gallup reports that this is primarily due to the high costs associated with therapy as well as difficulty finding providers. 

National Check Your Coverage Day on January 21 is an initiative by Talkspace that encourages you to find out what your health insurance covers and gain access to their mental health care services right at your fingertips. Founded in 2012, Talkspace is a virtual mental health care platform that connects you with licensed therapists in your state via live sessions and messaging. Their network of therapists and psychiatric providers has expertise in more than 150 conditions and treatment needs, including depression, anxiety, addiction, and PTSD, and can provide specialized care for teens, couples, LGBTQIA+ individuals, and moreall your mental health care needs under one virtual roof.

Talkspace offers an affordable and convenient way to access mental health care, with many major insurers, including Aetna, Cigna, and Optum, covering their services with minimal or no copay. Additionally, Talkspace enables you to start therapy quickly, switch providers easily if needed, and receive personalized care tailored to your needs—all from the comfort of your own home.

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National Check Your Coverage Day timeline

2008
An Equal Coverage Mandate

The Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008 mandates that health insurance providers offer equal coverage for mental health and substance use disorders as they do for physical health.

2012
Talkspace Launches

Talkspace launches, becoming the first national virtual therapy company to offer the ability to ‘text’ a licensed therapist.

2017
Expanding Access to Care

Talkspace accepts its first health plan.

April 2020
The First Digital Employee Assistance Program

Talkspace launches the first digital employee assistance program (EAP), offering companies online therapy and a range of well-being solutions to support employees.

2023
Low Treatment Rates

Mental Health America’s “The State of Mental Health in America, 2023 Key Findings,” show that over half (54.7%) of adults with a mental illness don’t receive treatment, totaling over 28 million individuals.

February 2023
A Positive Increase

Rock Health reports that Telehealth adoption (accessing care via telemedicine) rose to 80% from 72% in 2021.

July 2023
Stigmas Begin to Fade

Axios, quoting from a 2019 American Psychological Association survey, states that “87% of American adults agree that having a mental health disorder is nothing to be ashamed of.”

February 2024
Barriers to Mental Health Treatment

West Health/Gallup reports that the top reasons Americans cite for not receiving care are the cost of treatment not being affordable and difficulty finding providers.

February 2024
The Prevalence of Mental Health Conditions

51% percent of U.S. adult survey respondents report that they’ve experienced depression, anxiety, or some other mental or emotional condition in the past 12 months, according to West Health/Gallup.

May 2024
Medicare

Talkspace begins initial Medicare acceptance.

July 2024
The Challenge of High Costs

Mental Health America’s “The State of Mental Health in America” states that cost is still a significant barrier to accessing mental health care and 1 in 4 adults in frequent mental distress can’t see a doctor due to cost—a 2% increase over the last report.

July 2024
More Adults are Receiving Mental Health Treatment

SAMHSA’s survey shows that the percentage of adults receiving mental health treatment has climbed from 21.8% in the 2022 survey to 23% in 2023.

October 2024
Expanded Access

Talkspace is available to more than 158 million Americans through their health insurance plans, EAPs or as a direct, free benefit.

January 21, 2025
The First Celebration

To encourage you to check your coverage and receive access to convenient and affordable online therapy and psychiatry, Talkspace establishes National Check Your Coverage Day and the first celebration takes place.

National Check Your Coverage Day FAQs

Does Talkspace take insurance?

Yes! Talkspace partners with health plans across the U.S. to make online therapy and mental health care more accessible than ever before through insurance coverage. Their extensive network ensures you can get the treatment you need without worrying about cost. 

What insurance does Talkspace accept?

Talkspace partners with a wide range of leading insurance providers, such as Aetna and Cigna. They work with various health plans, employee assistance programs (EAP), and educational institutions to offer accessible and affordable online therapy. You can check their complete list of partners and discover more cost-effective therapy options available here

What mental health services are covered by insurance?

Coverage varies based on your insurance provider and health plan, but some of the mental health services typically included are:

  • Co-occurring behavioral health and medical conditions 
  • Psychiatric emergency care
  • Talk therapy—cognitive behavioral therapy and psychotherapy sessions
  • Telemedicine or virtual therapy
  • Outpatient therapy sessions
  • Addiction treatment and detox services

Many health insurance plans may also cover medication management, ensuring a comprehensive approach to your mental health needs. Consult with your insurance provider for additional details.

Is online therapy effective?

Online therapy is proven to be as effective, if not more effective than face-to-face therapy, and 80% of Talkspace users agree.

National Check Your Coverage Day Activities

  1. Check your coverage

    Check to see if your insurance plan or organization covers—it only takes a few minutes. Many major insurers, like Aetna, Cigna, and Optum, cover their services with little to no copay. In addition, many organizations, including employers, cities, and school districts and educational institutions provide Talkspace free to their populations.

  2. Sign up for therapy

    Talkspace has a network of therapists and psychiatric providers who specialize in 150+ conditions, treatment approaches, and mental health needs. Simply answer a few questions online, you’ll be matched with a licensed provider, and you can start communicating with your therapist right away.

  3. Explore other health insurance companies

    Perhaps your health insurance company isn’t meeting your needs when it comes to mental health care coverage? Now’s a great time to research and explore other options that may be a better fit for you.

5 Facts About Talkspace

  1. January surges

    Historically, Talkspace sees its largest spike in people visiting the website and signing up for therapy in January.

  2. Top coverage

    Talkspace is now covered by top major health plans like Aetna, Cigna, and Optum, as well as Medicare (in nearly all states) and TRICARE plans across the country.

  3. Industry leaders

    Nearly 160 million people can access Talkspace using their insurance, making Talkspace the top in-network therapy service.

  4. Low copay

    Insured members have an average copay of only $15.

  5. Fast access

    Talkspace members are matched with a mental health provider licensed in their state in 1-2 days on average.

What are the Benefits of Talkspace's Services?

  1. No commute time and scheduling hassles

    There’s no need to sit in traffic on your way to a therapist’s office or navigate busy schedules. Talkspace provides therapy that takes place at your convenience, right from your device. You can easily book a session when it works for you, whenever you need it.

  2. No lengthy therapist searches

    Say goodbye to long searches for the perfect therapist. Talkspace connects you to licensed therapists within days and you won’t have to wait weeks for an appointment—start receiving support straight away.

  3. Easily switch providers at no extra cost

    Finding the right therapist is key to making progress. If you feel your current provider isn't the best fit, Talkspace makes switching easy. You can go over your information, identify what you’re looking for, and select a new provider at no additional cost.

National Check Your Coverage Day dates

Year Date Day
2026 January 21 Wednesday
2027 January 21 Thursday
2028 January 21 Friday
2029 January 21 Sunday
2030 January 21 Monday