Misleading insurance copay estimates for therapy
💚 healthproduct problem5 reports ●●●●●
A Talkspace user reports that the app displays a $0 copay estimate, but subsequently charges over $200 after a therapy session has already occurred.
What people do today
- Contacting customer support
- Disputing charges with bank
- Canceling subscription
🔧 Fix this
Ideas a builder, maker or community group could start on:
- A browser extension that verifies real-time insurance eligibility and copay amounts against provider billing systems before booking.
- A third-party verification service that acts as an intermediary to confirm insurance coverage and exact costs before a session is confirmed.
- A policy requiring telehealth platforms to provide a legally binding 'good faith estimate' of out-of-pocket costs at the point of scheduling.
- A browser extension that verifies real-time insurance coverage for specific telehealth platforms before checkout.
- A comparison tool that displays verified out-of-pocket costs for therapy apps based on specific insurance plans.
Real voices
“It’ll say copay $0 then charge you $200 plus dollars after you’ve had a a session”
“They ask you to type in your insurance information but at the end it’s still 100 a week to talk to a Therapist”
“The cost per month was now $47 a month. After financial aid paid for 20% of the total. Only way to proceed is to pay out of pocket over $200 a month. The total price was less before I applied for financial aid.”
“It’s 125 with my insurance, this app advertises as low as 29 a visit”
“it refused to let me put in insurance info only would want me to charge it”
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