Find an Oscar Psychiatrist

Medically reviewed by Gabriela Asturias, MD on May 23, 2025
Written by the MiResource team

Oscar Health is known for its user-friendly app, 24/7 virtual care, and flexible plans for individuals, freelancers, and small businesses. No matter your plan—whether it’s Bronze Classic, Silver Saver, or part of a small-group option—all Oscar plans include outpatient mental health benefits with no cap on the number of therapy sessions. The checklist below simplifies the process, helping you go from noticing symptoms to booking your first in-network therapy session—often within a week and with minimal out-of-pocket cost.

  • Orvon White, Licensed Clinical Social Worker (LCSW)

    Orvon White

    Licensed Clinical Social Worker (LCSW)

    Remote only

    Orvon White is a Licensed Clinical Social Worker (LCSW) in undefined, undefined and has been in practice for 8 years. They treat Grief and Loss, Anger Issues, Performance Anxiety.

    At Holistic Wellness Connection we strive to help clients reclaim their peace of mind and control over their lives.

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  • Phoenix Health and WellBeing, Licensed Clinical Social Worker (LCSW)

    Phoenix Health and WellBeing

    Licensed Clinical Social Worker (LCSW), Advanced Practice Registered Nurse (APRN), Psychiatric Nurse Practitioner, Licensed Clinical Mental Health Counselor (LCMHC)

    4801 South Lakeshore Drive, Tempe, Arizona 85282

    Phoenix Health and WellBeing is a Licensed Clinical Social Worker (LCSW) in Tempe, Arizona. They treat Attention Deficit Hyperactivity Disorder (ADHD), Trauma, Chronic Illness/Pain.

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  • Yi Duan Low, Advanced Practice Registered Nurse (APRN)

    Yi Duan Low

    Advanced Practice Registered Nurse (APRN), Psychiatric Nurse Practitioner, Psychiatric Nurse

    2000 South Dixie Highway, Miami, Florida 33133

    Yi Duan Low is a Advanced Practice Registered Nurse (APRN) in Miami, Florida and has been in practice for 12 years. They treat School Concerns, Medication Concerns, Binge-Eating Disorder.

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  • Vinay Saranga, Psychiatrist

    Vinay Saranga

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    Vinay Saranga is a Psychiatrist in Apex, North Carolina. They treat Medication Concerns, Anger Issues, Panic.

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  • REACH Behavioral Health, Licensed Clinical Marriage and Family Therapist

    REACH Behavioral Health

    Licensed Clinical Marriage and Family Therapist, Counselor, Psychiatrist, Licensed Professional Clinical Counselor (LPCC), Licensed Professional Counselor (LPC), Marriage and Family Therapist (MFT), Nurse Practitioner, Board Certified Behavior Analyst (BCBA), Licensed Master Social Worker (LMSW), Psychologist, Psychiatric Nurse Practitioner, Licensed Independent Clinical Social Worker (LICSW), Licensed Social Worker (LSW), Licensed Marriage and Family Therapist (LMFT), Psychotherapist

    507 East Main Street, Ravenna, Ohio 44266

    REACH Behavioral Health is a Licensed Clinical Marriage and Family Therapist in Ravenna, Ohio. They treat Trauma, Peer Difficulties, Relationship(s) with Partner/Husband/Wife.

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  • Melissa Mendoza, Certified Clinical Social Worker (CSW)

    Melissa Mendoza

    Certified Clinical Social Worker (CSW), Psychotherapist, Licensed Master Social Worker (LMSW), Licensed Clinical Social Worker (LCSW), Other

    Remote only

    Melissa Mendoza is a Certified Clinical Social Worker (CSW) in undefined, undefined. They treat Physical Assault, Loneliness/Isolation, Conflict Resolution.

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With the right support team, even navigating insurance can feel human again. Start with one step toward help.

Gabriela Asturias, MD

Typical Costs for Mental Health Care with Oscar Insurance

Oscar plans include outpatient mental health services—both therapy and psychiatry—with no yearly session limits. What you’ll pay depends on your plan type, whether you’ve met your deductible, and whether you choose in-person or virtual visits.

If you’re on a Bronze high-deductible plan, you’ll usually pay the full cost of therapy or psychiatry until your deductible is met. After that, visits are covered in full, and virtual therapy is often $0 once the deductible is satisfied.

With Silver Saver or Silver Classic plans, therapy sessions typically cost around $30–$40 after your deductible, while virtual therapy is usually a bit lower—often $0–$30 per session. The same rates apply to psychiatric evaluations.

Members on a Gold Classic plan enjoy lower costs, with in-office therapy sessions around $15–$25 and virtual visits often $0–$20.

If you have a Platinum plan, you’ll pay the least—therapy and psychiatry often cost just $0–$15 in person, and many plans make virtual visits completely free.

For those with a small-group EPO plan, therapy and psychiatry usually run about $20–$30 per visit, whether in-office or online.

Important Notes:

  • No referral required — you can book directly with a therapist, psychologist, or psychiatrist.
  • Unlimited sessions — as an essential health benefit, mental health visits aren’t capped annually.
  • Virtual care parity — telehealth usually costs the same or less than in-person visits, and many Oscar plans offer $0 virtual visits with their preferred telehealth partners.
  • Large provider network — Oscar members can access thousands of licensed clinicians through the Optum/Headway network in states where Oscar is available.

Oscar Health In-Network Mental Health Provider Types

Oscar’s network includes a wide range of licensed professionals, giving you flexibility to find the right kind of support.

  • Therapists and counselors (LCSWs, LMFTs, LPCs): These providers offer weekly talk therapy, practical coping strategies, and often work with couples or families. They’re a common first stop for managing stress, anxiety, depression, or life transitions.
  • Psychologists (PhD or PsyD): Psychologists can provide therapy but also specialize in testing and advanced treatment methods, including trauma-focused care and CBT for more complex conditions. They’re a great option if you need diagnostic evaluations or highly structured therapy.
  • Psychiatrists (MD/DO): As medical doctors, psychiatrists are trained to diagnose and prescribe medication, making them essential for cases that involve medication management, complex symptoms, or conditions that haven’t responded to therapy alone.

No matter which type of provider you choose, all three are billed under the same outpatient mental-health benefit, meaning your cost share stays the same.

Real-Life Example: How Mila Found an Oscar Health Therapist

  1. Day 1 – Mila logs into the Oscar app and taps Find Care → Mental Health. Eight therapists that take Oscar insurance appear within ten miles.

  2. Day 1 – She filters for “Telehealth,” “CBT,” and “evening hours.” Three remain, all marked Accepting new patients.

  3. Day 2 – Cost estimator shows $0 for virtual therapy, $25 for an office visit (Silver Saver plan).

  4. Day 3 – Mila schedules a Thursday 8 p.m. video session with Jenna Lee, LCSW—an in-network therapist Oscar insurance covers. Copay: $0.

  5. Day 10 – Jenna recommends a low-dose SSRI. Mila books a 30-minute video consult with an Oscar psychiatrist for the next afternoon (also $0).

Time from search to first session: three days. Out-of-pocket to date: $0.

How to Find an In-Network Therapist with Oscar

  1. Sign in to your Oscar account using the app or member portal, or call the Concierge number listed on your ID card.

  2. Select “Find Care” → “Mental Health.”

  3. Use filters to narrow results by ZIP code, telehealth or in-person visits, specialty (e.g., trauma, ADHD, couples therapy), preferred language, and availability on evenings or weekends.

  4. Check for the “In Network” badge to make sure the provider is covered by your plan.

  5. Preview your cost using the built-in estimator to see your copay or deductible.

  6. Book your session directly in the app for virtual visits, or call the provider’s office to schedule in-person care.

  7. Complete any required intake forms sent by the provider before your first appointment.

Your Virtual Mental Health Care Options with Oscar

  • Headway + Oscar: Access licensed therapists and psychiatrists for video sessions from 7 a.m. to 9 p.m., seven days a week. Many Oscar plans offer these visits with a $0 copay.
  • Oscar Virtual Primary Care: Your virtual PCP can evaluate symptoms and prescribe first-line medications for anxiety or depression—helpful while you're waiting to see a mental health specialist.

  • Phone-Only Sessions: If video isn’t possible, phone sessions are available and cost the same as virtual visits.

What to Do If You Face Long Wait Times

  • Track every interaction: Write down the date, staff name, and next available appointment each time you call a provider. This documentation can help if you need to escalate.
  • Contact Oscar Concierge: Reach out through the app or member portal. The Concierge team can view real-time cancellations through Headway and help you find sooner openings.
  • Request a network adequacy exception: If no in-network appointment is available within 10 business days, ask Oscar to approve an out-of-network provider at in-network rates.
  • File a formal complaint: If delays persist, submit a member complaint. Oscar is required to respond and offer alternative solutions.

FAQ’s

Does Oscar cover therapy?
Yes. Outpatient therapy and psychiatric visits are essential benefits on every Oscar plan. Copays range from $0 to about $40, depending on the metal tier and whether the deductible is met.

How do I find therapists that take Oscar insurance near me?
Use the Oscar app’s Find Care tool, enter your zip code, and choose “Mental Health.” Filter by Accepting patients or Telehealth for faster options.

Are Oscar psychiatrists accepting new patients?
Many are, especially through Headway’s video network. Use the telehealth filter and the Accepting patients tag for real-time availability.

Will my virtual session count toward my deductible?
Yes. Telehealth visits apply to the same deductible and out-of-pocket maximum as office visits.

Find care for you

Recovery is possible. With early intervention, a supportive community, and the right professional care, you can overcome challenges and build a fulfilling life. We’re here to help you find the support you need.

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