Ketamine Therapy Cost and Insurance in Orlando, FL
What you pay for, what insurance usually covers, and how ketamine-assisted psychotherapy is billed here.
Artie Gately, LMHC · Florida license MH22813
The cost of ketamine therapy usually has three parts: the medical evaluation, the medicine and dosing visits, and the therapy.
Insurance usually does not pay for ketamine prescribed off-label, while Spravato is often covered with prior authorization.
Therapy here, including the preparation and integration sessions of ketamine-assisted psychotherapy, can be billed to insurance with these plans: UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Florida Blue, Oscar, Optum, Oxford and Carelon Behavioral Health. Only the ketamine dosing sessions are cash-pay.
How much does ketamine therapy cost?
When people ask me what ketamine therapy costs, the honest answer is that it depends on what is included.
Most programs are built from the same three parts. They are just packaged and billed in different ways.
The medical evaluation
A licensed medical provider reviews your health history and current medications to decide whether ketamine is safe and appropriate for you.
The medicine and dosing visits
This is the ketamine itself and the time you spend taking it with support. Depending on the setting, that could be a clinic visit, an infusion, or a medicine session with a therapist.
The therapy
Some programs include no therapy at all. Others build in sessions before and after each dose to help you prepare and make sense of what comes up.
So two programs with a similar price can be very different in what you actually get. It helps to look at how the care is delivered before you compare totals.
IV ketamine clinics, Spravato and ketamine-assisted psychotherapy
There are three common ways people receive ketamine for mental health. Each one is delivered and billed a little differently.
IV ketamine clinics
IV clinics give ketamine as an infusion, usually over a series of visits. A medical team monitors you during each one.
Most IV clinics bill you directly, and therapy is usually not part of the visit.
Spravato
Spravato is given at a certified clinic, and you stay there to be monitored after each dose.
Because it is FDA approved, it is billed more like a standard medical treatment and is often submitted to insurance.
Ketamine-assisted psychotherapy
A licensed medical provider evaluates you and prescribes ketamine off-label. A therapist provides the psychotherapy around the medicine sessions.
The medical part and the therapy part are usually billed separately, by different providers.
Why therapist-led care is set up differently
In ketamine-assisted psychotherapy, the therapy is not an extra. It is part of the treatment, and it is part of the cost.
Before any medicine session, we meet for preparation. We talk about what is bringing you in, what you want to work on, and how to feel steady going in.
After each medicine session, we meet for integration. We look at what came up and how it connects to your daily life, your relationships and your patterns.
For many people, these sessions are where a lot of the lasting change happens. That is why the price of a single dose does not tell you much on its own.
If you want to see how the whole process works, I describe it step by step on my page about ketamine-assisted psychotherapy in Orlando.
Is ketamine therapy covered by insurance?
Coverage depends on the type of care and on your plan. This is the general pattern.
Usually covered
- Spravato, with prior authorization, at a certified clinic
- Sometimes, the medical evaluation visit
- Sometimes, psychotherapy sessions
Usually not covered
- Ketamine itself, when prescribed off-label
- IV ketamine infusions for mental health
- Ketamine lozenges
At my practice, I accept these insurance plans for preparation and integration therapy sessions: UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Florida Blue, Oscar, Optum, Oxford and Carelon Behavioral Health. Only the ketamine dosing sessions are cash-pay.
Every plan is different. Before you start, it is worth calling your insurance company and asking about each part separately.
Spravato vs. ketamine-assisted psychotherapy: coverage
Spravato is FDA approved for treatment-resistant depression. That is the main reason insurance plans often cover it, usually with prior authorization.
Ketamine-assisted psychotherapy uses ketamine prescribed off-label, so the medicine is usually not covered.
With me, the dosing sessions are cash-pay. The therapy sessions, meaning the preparation and integration work, can be billed to insurance.
Neither option is right for everyone. If depression is the main reason you are looking into this, my page on ketamine-assisted therapy for depression explains that work in more detail.
Does Medicaid cover ketamine therapy?
Medicaid rarely covers ketamine when it is prescribed off-label.
Coverage for Spravato depends on the state plan and its rules.
The most reliable way to know is to call your plan and ask about the specific treatment you are considering.
How payment works at Achieve Growth Therapy
My therapy fee, for regular therapy and for the preparation and integration sessions of ketamine-assisted psychotherapy.
A ketamine dosing session (medicine session) with me is $450 total per session. Dosing sessions are cash-pay only.
I want the cost to be clear before you decide anything.
I accept insurance for therapy with these plans: UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Florida Blue, Oscar, Optum, Oxford and Carelon Behavioral Health. That covers regular therapy and the preparation and integration sessions of ketamine-assisted psychotherapy.
I do not prescribe ketamine. A licensed medical provider does the medical evaluation and prescribing, and the medicine and medical visits are billed separately by that provider.
Medicine sessions happen in person in Orlando, or at home in Florida with me on video the whole time, when the medical provider decides at-home dosing is safe. I see adults in person at my office and by secure video anywhere in the state, so ketamine-assisted therapy in Florida is available to you outside Orlando too.
On the free 15-minute consultation call, I go over the full cost with you, so you know what to expect before you commit to anything.
Questions to ask before you start
Whether you work with me or with someone else, these questions can help you compare your options.
- What is included in the price?
- How many sessions are typical?
- Does Spravato need prior authorization with my plan?
- Do my out-of-network mental health benefits apply?
- Can I use HSA or FSA funds?
- Which parts are billed by the medical provider, and which by the therapist?
Frequently asked questions
How much does ketamine-assisted psychotherapy cost?
Therapy sessions with me are billed to insurance or are $150 per hour. A dosing session is $450 total and is cash-pay. The medicine and medical visits are billed separately by the medical provider.
Does insurance cover ketamine for depression?
Insurance usually does not cover ketamine prescribed off-label for depression. Spravato, which is FDA approved for treatment-resistant depression, is often covered with prior authorization at a certified clinic. Therapy sessions may be covered, depending on your plan.
Does insurance cover ketamine for PTSD?
Ketamine for PTSD is prescribed off-label, so insurance usually does not cover the medicine. Psychotherapy sessions may still be covered by your plan. Call your insurance company and ask about each part separately.
Can I use HSA or FSA funds for ketamine therapy?
Often, yes, for the medical part of care. Rules vary by plan, so ask your plan administrator what qualifies before you start.
Do you take insurance for regular therapy?
Yes. I accept these insurance plans: UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Florida Blue, Oscar, Optum, Oxford and Carelon Behavioral Health. That includes regular therapy and the preparation and integration sessions of ketamine-assisted psychotherapy.
Is cheaper ketamine near me a good idea?
A lower price can mean less is included. Compare what each option offers, especially screening, monitoring and therapy, not just the price.
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