Therapists Accepting Oscar Health
11,036 in-network mental health providers across 51 states
Updated
Oscar Health, a technology-forward health insurance startup, covers over 11,000 in-network mental health professionals across 51 states. Oscar is known for streamlined digital experiences and competitive pricing. If you have an Oscar plan, you'll find that mental health benefits are well-integrated with Oscar's digital tools.
Oscar members can access mental health benefits through the Oscar member app which features a user-friendly provider directory specifically for behavioral health. Oscar covers therapy with typical copays of $20-$50 per session and generally does not require prior authorization for routine outpatient therapy. Most plans explicitly include telehealth therapy at the same copay as in-person visits.
Oscar's strength lies in its digital integration. Many Oscar members can schedule therapy appointments, receive behavioral health education, and access mental health resources directly through the Oscar app. This seamless integration makes it easy to find a therapist and manage your care.
Oscar Health Coverage at a Glance
11,036
In-Network Providers
51
States Covered
$143
Avg Session Fee
$20-$375
Fee Range
Top Specialties Among Oscar Health Therapists
Number of Oscar Health-accepting therapists specializing in each area (from 87K+ therapist profiles)
Understanding Your Oscar Health Therapy Benefits
Oscar's behavioral health benefits are integrated into the plan, not carved out to a separate vendor. This means you have one clear process for all healthcare claims - medical, pharmacy, and behavioral health. Most Oscar plans cover individual psychotherapy at 80-100% of the allowed amount after meeting your deductible with copays between $20-$40 per visit.
Oscar doesn't require a primary care referral to see a therapist - you can directly schedule appointments with in-network providers. Authorization processes are streamlined, with most plans allowing therapy to begin immediately. Oscar's back-end systems are designed for efficient claims processing, so therapists typically receive payment quickly.
Virtual mental health visits through Oscar are reimbursed at the same copay and deductible application as in-person visits. Oscar has partnered with major telehealth behavioral health platforms, making it easy to connect with a therapist via video if preferred.
Oscar's out-of-network behavioral health coverage typically provides 50-70% coinsurance after a higher deductible. Oscar's digital tools make it easy to estimate your out-of-pocket costs for out-of-network care - you can often get a cost estimate through the app before scheduling.
What Oscar Health Covers for Mental Health
Oscar covers evidence-based therapy modalities without clinical restrictions. Cognitive Behavioral Therapy (CBT), acceptance-based approaches, and standard psychotherapy are all covered services. Oscar's streamlined approach means therapists face fewer authorization barriers when utilizing specialized techniques.
Substance abuse treatment and addiction counseling are covered by Oscar plans. Coverage includes Medication-Assisted Treatment (MAT), intensive outpatient programs, and individual counseling. Oscar's integrated system allows coordination between behavioral health and primary care providers managing addiction.
Family and couples therapy are covered by Oscar using standard multi-person session codes. Oscar's digital integration means that if multiple family members are Oscar members, your family therapist can more easily coordinate care across family members' accounts.
Psychological and neuropsychological testing for ADHD, autism, and learning disabilities are covered by most Oscar plans. Prior authorization may be required depending on your specific plan. Oscar's digital tools make the authorization process transparent - you can often check authorization status through the app.
Find a Therapist Near You
Browse our directory of 30,144 verified therapist profiles with detailed information about specialties, fees, and availability.
Browse TherapistsFrequently Asked Questions About Oscar Health Therapy Coverage
How many therapists accept Oscar Health?
Based on our data covering 87,000+ therapist profiles, approximately 11,036 therapists accept Oscar Health across 51 states. This makes Oscar Health one of the more widely accepted insurance plans for mental health services in the United States.
What specialties can I find with Oscar Health coverage?
Therapists accepting Oscar Health cover a wide range of specialties including Anxiety (8,404 providers), Depression (6,852 providers), Coping Skills (4,325 providers), Trauma and PTSD (3,076 providers), Relationship Issues (1,713 providers). This breadth of coverage means you can find specialized care for most mental health concerns.
How much does therapy cost with Oscar Health?
Among therapists who accept Oscar Health, listed session fees average around $143, ranging from $20 to $375. Your actual out-of-pocket cost depends on your specific plan's copay, coinsurance, and deductible. Many in-network visits have a copay of $20-$60. Contact your plan for exact benefit details.
Can I see a Oscar Health therapist online?
Yes. Most Oscar Health plans now cover telehealth therapy at the same rate as in-person visits. Many therapists in our directory who accept Oscar Health offer virtual sessions, giving you access to in-network care from anywhere in your plan's service area.
How do I verify my Oscar Health therapy benefits?
Call the member services number on the back of your Oscar Health card and ask about your behavioral health benefits. Key questions: What is my copay for outpatient therapy? Do I need a referral? What is my deductible for behavioral health? Is there a session limit? You can also check the Oscar Health member portal online.
Are there Oscar Health therapists who speak languages other than English?
Yes. Therapists accepting Oscar Health include providers who speak Spanish (444), French (42), Portuguese (34), Hindi (28), Mandarin (24) and more. Multilingual therapists can provide more effective treatment when you're working through complex emotions in your primary language.