Do you have insurance coverage and want to explore if ketamine therapy and Spravato (esketamine) for depression is right for you? If so, follow the link below for a free, no commitment insurance coverage check.

Does Humana cover ketamine therapy or treatment?

Latest medical review on: May 26th, 2026. Medically reviewed by Instructor in Psychiatry at Harvard Medical School and Lumin Health Co-founder, Chief Medical Officer Dr. Ben Yudkoff.

Humana covers the FDA-approved version of ketamine called Spravato (esketamine), a highly effective solution for treating depression. However, Humana does not cover intravenous (IV) or intramuscular (IM) ketamine treatment for conditions associated with depression, anxiety, or other mood disorders.

Quick answer: Does Humana cover ketamine treatment?

Yes — but it depends on the type of treatment.

Esketamine (Spravato): ✓ Covered by most Humana plans. FDA-approved for treatment-resistant depression. Typical patient cost: $10–$25 per session in copays.
IV ketamine infusions: ✕ Generally not covered (considered "off-label" by insurance for mental health). Not offered at Lumin Health.
Prior authorization: almost always required — Lumin Health handles this for you.

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Treatment Type	FDA Approved?	Typical Humana Coverage	Prior Auth?
Spravato (Nasal Spray)	Yes (for TRD and MDD)	✓ Covered	Required
IV Ketamine Infusions	No (Off-label for Psych)	✕ Not Covered*	N/A
IM Ketamine Injections	No (Off-label for Psych)	✕ Not Covered	N/A

*Exceptions may exist for specific chronic pain conditions or anesthesia.

Does Humana cover Spravato therapy or esketamine treatment?

Yes. Humana covers Spravato (esketamine) treatment for people suffering from Treatment Resistant Depression (TRD). Costs are typically a co-pay, and allow for ongoing treatment. Schedule a consultation with us to see if you qualify.

Does Humana cover ketamine infusions or ketamine injections for mental health?

Humana tyically does not cover intramuscular ketamine injections. When it comes to ketamine, Humana will likely Spravato (esketamine) treatment and Humana will typically not cover ketamine infusions or ketamine injections. We would be grateful to review your coverage with you; simply get in touch with our team.

Ketamine Infusions vs. Spravato (Esketamine): What's the Difference for Humana Patients?

Spravato is the "s-enantiomer" of ketamine and has a different pathway for coverage and prior authorization than traditional ketamine therapy through intravenous or intramuscular administration. Knowing this key difference can be crucial to finding the correct coverage information.

Does Lumin Health accept Humana for Spravato treatment?

Yes, Lumin Health accepts Humana insurance for initial psychiatric consults, Spravato (esketamine) therapy, and ongoing care. Esketamine therapy is a great option for those looking for ketamine therapy, and provides very similar benefits for those dealing with mood and mental health issues.

How can I get Spravato (esketamine) covered by Humana?

The criteria for getting ketamine therapy with Spravato covered by Humana can vary based on each case, but some commonalities are below.

For more information about how Lumin Health works with insurance, visit our insurance cost & information page.

Frequently asked questions

Article Reviewed by Dr. Benjamin Yudkoff, MD, MA

Dr. Yudkoff is a board-certified psychiatrist who provides the most up-to-date psychiatric care to people managing illnesses that have not satisfactorily resolved with treatment as usual, and in a way which honors principles of autonomy, self-direction, and holistic approaches. He has lectured on spirituality and ketamine therapy, is an Instructor in Psychiatry at Harvard Medical School, and has taught a humanism course to residents of the Harvard Brigham and Women’s Hospital Residency Training Program. Dr. Yudkoff has served as the Medical Director of the Brigham and Women’s Faulkner Hospital and the Medical Director of the Interventional Psychiatric Service (electroconvulsive therapy, ketamine, and esketamine). Dr. Yudkoff has published scientific articles on ketamine and psychopharmacology, and has won several teaching awards from Harvard Medical School students and Brigham and Women’s Psychiatric Residents.