Find an Oscar Psychiatrist

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:

Exact costs vary based on your location and plan details. Always confirm with Oscar or the provider before booking.

Important Notes:

• No referral required: Book directly with a mental health specialist.
• Essential benefit: Mental health visits have no yearly limit.
• Virtual care parity: Telehealth costs the same or less than in-office visits. Many plans offer a $0 copay with Oscar's preferred telehealth partners.
• Extensive network: Access thousands of licensed clinicians through the Optum/Headway national network in states where Oscar is available.

All three bill under the same outpatient mental-health benefit, so your cost share is identical.

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.

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.

• 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.