Medically reviewed by Gabriela Asturias, MD on May 23, 2025Oscar 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.
Limited Licensed Professional Counselor (LLPC)
43800 Garfield Road, Clinton Township, Michigan 48038
Tracie Duncan is a Limited Licensed Professional Counselor (LLPC) in Clinton Township, Michigan and has been in practice for 8 years. They treat Social Anxiety, Relationship(s) with Parents/Children/Family, Relationship(s) with Partner/Husband/Wife.
We walk side by side in your journey.
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 Social Anxiety, Suicidal Ideation, Grief and Loss.
Peace of Mind is your Birthright! You do not have to suffer alone.
Psychiatrist
1600 Olive Chapel Road, Apex, North Carolina 27502
Vinay Saranga is a Psychiatrist in Apex, North Carolina. They treat Bipolar Disorder, Substance Use, Psychosis.
Mental health disorders are unique. In addition to medication management, we offer TMS Therapy and IV Ketamine that can help when nothing else does.
Psychiatric Nurse Practitioner
8700 East Vista Bonita Drive, Scottsdale, Arizona 85255
Kelly Maurer FNP-PMHNP-BC is a Psychiatric Nurse Practitioner in Scottsdale, Arizona and has been in practice for 6 years. They treat Loneliness/Isolation, Sleep Concerns, Obsessive Compulsive Disorder (OCD).
Offering Psychiatric & Substance Use Evaluations as well as Medication Management & MAT. Empathy & Compassion go into evaluating all mental illness.
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 Family Caregiving Stress, Divorce, Career.
At REACH, we provide a compassionate, client-centered space for individuals, couples, and families to address their mental health needs.
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 Relationship(s) with Partner/Husband/Wife, Spiritual/Religious Concerns, Childhood Abuse.
"Passionately Igniting Inner Light, Illuminating the World, One Person at a Time, Through Healing." - Melissa E. Mendoza, LMSW
With the right support team, even navigating insurance can feel human again. Start with one step toward help.
— Gabriela Asturias, MD
Oscar plans cover outpatient mental health care—including therapy and psychiatry—with no session limit. Your out-of-pocket costs depend on your plan type, deductible status, and whether you're receiving care virtually or in person. Below is a general guide to what you can expect for in-network services:
| Plan Type | Office Therapy (45 min) | Virtual Video Therapy | Initial Psychiatry Evaluation |
|---|---|---|---|
| Bronze (High Deductible) | Full cost until deductible met, then $0 | Often $0 after deductible | Often $0 after deductible |
| Silver Saver / Silver Classic | ~$30–$40 after deductible | ~$0–$30 after deductible | ~$0–$30 after deductible |
| Gold Classic | ~$15–$25 copay (no separate MH deductible) | ~$0–$20 | ~$0–$20 |
| Platinum | ~$0–$15 copay | $0 | $0 |
| Small-Group EPO Plan | ~$20–$30 copay | ~$20–$30 | ~$20–$30 |
Exact costs vary based on your location and plan details. Always confirm with Oscar or the provider before booking.
Important Notes:
| Provider Type | How they help |
|---|---|
| Therapist / Counselor (LCSW, LMFT, LPC) | Weekly talk therapy, coaching, family sessions |
| Psychologist (PhD, PsyD) | Testing, trauma-focused methods, advanced CBT |
| Psychiatrist (MD/DO) | Diagnosis, medication, complex cases |
All three bill under the same outpatient mental-health benefit, so your cost share is identical.
Time from search to first session: three days. Out-of-pocket to date: $0.
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.
