Logo for Blue Cross Blue Shield Massachusetts Health Plan, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for United Healthcare, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Aetna Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Medicare Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Harvard Pilgrim Health Care, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Cigna Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Anthem Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Optum Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsDoes Mass General Brigham Health Plan cover ketamine therapy?Logo for Evernorth Health Services, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsCareFirst Blue Cross Blue Shield logo for insurance-covered Esketamine (Spravato) therapy.Tricare logo for insurance-covered Esketamine (Spravato) therapy.
Logo for Blue Cross Blue Shield Massachusetts Health Plan, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for United Healthcare, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Aetna Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Optum Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Medicare Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Harvard Pilgrim Health Care, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsDoes Mass General Brigham Health Plan cover ketamine therapy?Logo for Cigna Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Evernorth Health Services, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsLogo for Anthem Health Insurance, covering esketamine and Spravato therapy in the Boston and Bethesda, MD area for treatment-resistant depression, anxiety, and other mental health conditionsTricare logo for insurance-covered Esketamine (Spravato) therapy.CareFirst Blue Cross Blue Shield logo for insurance-covered Esketamine (Spravato) therapy.

Find out what your insurance covers for ketamine therapy

Most insured patients pay $10–$25 a session for esketamine (Spravato). A Lumin Health coverage specialist checks your plan for you, usually the same day. Free, no obligation.

We call your insurer for you
We handle prior authorization
Check Your Coverage
Takes about 30 seconds
A Lumin Health coverage specialist is happy to confirm your benefits and follow up — usually the same day. No cost, no obligation.

Latest medical review on: October 30th, 2026. Medically reviewed by Instructor in Psychiatry at Harvard Medical School and Lumin Health Co-founder, Chief Medical Officer Dr. Ben Yudkoff.

Sahana, patient concierge at Lumin HealthHannah, patient concierge at Lumin Health

Sahana & Hannah check every patient's coverageFree and confidential. They call your insurer, confirm your benefits and handle prior authorization for you.

Short answers

Are ketamine infusions covered by insurance?

Typically not, by Medicare or by major private insurers. If your plan has out-of-network benefits, a superbill may get you part of the cost back.

More on infusions and superbills ↓

Is ketamine therapy covered by insurance?

Usually not. Ketamine therapy (IV infusions or intramuscular injections) is used off-label for depression, so most insurers don't cover it. Esketamine (Spravato), the FDA-approved nasal spray, is covered by most major insurers and Medicare.

Off-label IV and IM ketamine are generally not covered; esketamine (Spravato) is the FDA-approved, insurance-covered treatment. Lumin Health handles all prior authorization on the patient's behalf at five locations (Newton, Cambridge, Woburn, Brookline in MA; Bethesda in MD).

Is esketamine (Spravato) covered by insurance?

Yes. Most major insurers and Medicare Part B cover it for treatment-resistant depression. Insured patients at Lumin Health typically pay $10–$25 per session.

Esketamine (Spravato) is FDA-approved for treatment-resistant depression and is covered by most major US health insurers, including Aetna, Blue Cross Blue Shield, Cigna, UnitedHealthcare, Medicare Part B, Tricare, Harvard Pilgrim, and Mass General Brigham Health Plan. At Lumin Health, ~95% of Massachusetts employer plans cover esketamine (Spravato), and insured patients typically pay $10–$25 per session out of pocket.

Does Medicare cover ketamine therapy?

Medicare Part B covers esketamine (Spravato) when it's given in a REMS-certified setting, which every Lumin Health session is, with the standard 20% coinsurance after the deductible. Medicare doesn't cover IV or IM ketamine.

Sources: Janssen — SPRAVATO® Coverage & Cost; CMS — Medicare Part B Coverage. Coverage and out-of-pocket costs vary by plan; Lumin Health verifies your specific benefits before treatment.

Typically $10–$25 per session with insurance
Medicare Part B covers esketamine (Spravato)
We handle prior authorization
Free benefits check

Plans we accept

Massachusetts Insurance Coverage for ketamine therapy and esketamine (Spravato)

MedicareBlue Cross Blue Shield of MassachusettsAetnaCignaHarvard Pilgrim Health CareUnitedHealthcareAnthemOptumEvernorth

Lumin Health accepts Medicare and most private insurance plans offered in Massachusetts, including Aetna, Anthem, Blue Cross Blue Shield (BCBS), Cigna, Evernorth, Harvard Pilgrim, Optum, Point32Health, Mass General Brigham Health Plan, and United Healthcare.

MassHealthWe are out-of-network for MassHealth, so any care we provide would be out-of-pocket.
TuftsLumin Health only works with some plans in the Tufts umbrella, and unfortunately cannot work with Health Together/Health Direct/OneCare/ConnectorCare Tufts Health Plans.

Massachusetts plan details ↓

Maryland Insurance Coverage for ketamine therapy and esketamine (Spravato)

MedicareCareFirst BlueCross BlueShieldUnitedHealthcareCignaTricareAetna

Lumin Health accepts Medicare and most private insurance plans offered in Maryland, including CareFirst Blue Cross Blue Shield, UnitedHealthcare, Cigna, Tricare, Aetna, and Humana.

ElevanceLumin Health only works with some plans in the Elevance umbrella.

View Maryland coverage →

How to get ketamine therapy covered by insurance

The Lumin Health team is dedicated to making these transformative treatments as accessible as possible. We have extensive experience working with a wide range of insurance providers and would be grateful to champion your case to verify your coverage, explain your benefits in simple terms, and manage the authorization process on your behalf.

The first step is to understand if your insurance plan covers the cost of ketamine. Our team offers a free and confidential insurance verification to determine your plan's benefits for esketamine (Spravato) treatments.

  1. Verification of BenefitsLumin Health will contact your insurance provider to confirm your eligibility and benefits.
  2. Prior AuthorizationIf required, Lumin Health will handle the submission of all necessary clinical information for prior authorization.
  3. Beginning Ketamine TherapyLumin Health will provide you with a clear summary of your coverage, including any deductibles, copayments, or out-of-pocket estimates. We then decide together on the best course of action for treatment.

Ketamine infusions and insurance, in more detail

In most cases, ketamine infusions aren't covered. IV ketamine for depression is an off-label use, so Medicare and most private insurers don't cover the infusions themselves.

There are two ways people reduce the cost. If your plan has out-of-network benefits (common with PPO plans), you can submit a superbill to your insurer for partial reimbursement. Or you can ask about esketamine (Spravato), the FDA-approved form of ketamine, which most insurers do cover for treatment-resistant depression.

At our locations we offer esketamine (Spravato), which most patients can use their insurance for, and intramuscular (IM) ketamine, typically about $500 a session out of pocket. We don't offer IV infusions.

What will I pay?

Costs depend on your plan. Your concierge confirms your exact cost before your first session, for free.

Private insurance, esketamine (Spravato)Typically $10–$25 per session (a co-pay); we handle prior authorization
Medicare, esketamine (Spravato)Part B covers it in a REMS-certified setting; 20% coinsurance after the deductible
Medicare with MassHealth as secondaryCovered
MassHealth on its ownWe're out of network, so care would be out of pocket
Ketamine (IM), any insuranceUsually not covered; typically about $500 a session; sliding-scale pricing and payment plans available
Out-of-network PPO planAsk for a superbill to claim partial reimbursement
HSA or FSAAccepted by card

Esketamine (Spravato) and ketamine, side by side

Esketamine (Spravato)Ketamine
CostsWith insurance coverage, appointment costs regularly come out to the cost of a typical office visit. This can have a massive impact on accessibility of treatment.Intramuscular ketamine injections typically are $500/session, but pricing is determined by number of sessions booked.
Administration routeIntranasal sprayIntravenous infusion, intramuscular injection, oral lozenge, or intranasal spray

"Out-of-network" & superbill guide for ketamine treatment

Most insurance plans do not directly cover IV ketamine infusions for mental health because it is an "off-label" use. However, you may be able to get partial reimbursement. If you have "out-of-network" benefits (often found in PPO plans), we can provide you with a superbill. You submit this itemized receipt to your insurance company, and they may reimburse you for a percentage of the cost depending on your deductible and plan details.

Call the number on the back of your card and ask: Do I have out-of-network benefits for mental health office visits?

Spravato coverage details by plan

For each major commercial payer, see plan-specific prior-authorization criteria, typical timelines, and how Lumin Health handles your authorization. Pages cover Massachusetts and Maryland.

Ketamine treatment led by psychiatrists at Lumin Health – decades of experience, thousands of treatments delivered.

Board-certified psychiatrists screen for medication interactions, monitor vitals, and coordinate with your existing care team.
We specialize in coordinating care for people with complex medical histories.
The Lumin Health medical team
Our team of academically-affiliated psychiatrists and clinicians bring deep expertise to ketamine and esketamine treatment. As specialists in esketamine (Spravato) and ketamine therapy, we provide safe, effective care with rigorous protocols and personalized treatment plans.
The Lumin Health concierge team
Our patient concierge team handles the entire process: insurance verification, scheduling, and intake. Our team looks forward to connecting you to ketamine treatment and answering your questions about ketamine and Spravato. We handle the details so you can focus on getting better.
Left arrow | Lumin Health | 5.0 star insurance-covered ketamine therapy for depression, anxiety and PTSD in Boston, MA and Bethesda, MD
Right arrow | Lumin Health | 5.0 star insurance-covered ketamine therapy and esketamine (Spravato) treatment for depression, anxiety and PTSD in Boston, MA and Bethesda, MD
Benjamin Yudkoff, MD, MA
Co-Founder
Chief Medical Officer
Instructor in Psychiatry
Harvard Medical School
Matthew Mosquera, MD, MS
Regional Medical Director
Boston, MA
Lecturer in Psychiatry
Harvard Medical School
Aakash Sathappan, MD
Site Medical Director
Brookline, MA
Lecturer on Psychiatry
Harvard Medical School
Michael Knable, DO, DFAPA
Site Medical Director
Bethesda, MD
Samaneh Keshavarz, MD
Psychiatrist
Bethesda, MD
Jess Trumbull
RN
Cambridge, MA
SJ Fletcher, MD PhD
Site Medical Director
Woburn, MA
Instructor in Psychiatry
Harvard Medical School
Kiyanna Sully
Front Office Manager
Newton, MA
Yael Koren
Registered Nurse
Newton, MA
Rachel Pelosi
Mental Health Counselor
Woburn, MA
Hannah Chapman
Psychiatric Nurse Practitioner
Woburn, MA
Taiwo Ayegbusi
Registered Nurse
Bethesda, MD
Kiana Fussner
Psychiatric Physician Assistant
Bethesda, MD
Hannah O'Laoghaire
Intake Coordinator & Patient Concierge
Rebecca Nguyen
Office Manager
Brookline, MA
Klarissa Ramkissoon, MSN, FNP-BC
Family Nurse Practitioner
Woburn, MA
Chester Domoracki
Office Manager
Woburn, MA
Emily Brett, PA-C, CAQ-Psy
Psychiatric Physician Assistant
Brookline, MA
Kacey Malz, LCSW
Licensed Clinical Social Worker
Brookline, MA
Rosie Cohen, Mental Health Counselor
Mental Health Counselor
Cambridge, MA
Sarojini Schutt
Office Manager
Cambridge, MA
Elizabeth Biondo, BSN, RN
BSN, Registered Nurse
Newton, MA
Sahana Heiderscheidt
Operations and Patient Concierge Manager
Terrin Gathers, PMHNP
Psychiatric Nurse Practitioner
Newton, MA
Taylor Brodersen, RN
Registered Nurse
Newton, MA
James "Matt" Neal, PMHNP
Psychiatric Nurse Practitioner
Newton, MA
Sabrina Nebiye, RN
Registered Nurse
Cambridge, MA
Alison Choate, RN
Registered Nurse
Cambridge, MA
Trishan Panch, MD, MPH
Executive Chair and Chief Strategy Officer
Instructor
Harvard T.H. Chan School of Public Health

5-star expert ketamine and esketamine (Spravato) treatment

As the top rated ketamine therapy center in Boston and Maryland, we’re honored by our
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Frequently Asked Questions about Ketamine Therapy Cost, Insurance Coverage and More