What does treatment at Lumin Health cost if I have Kaiser Permanente?

Because Lumin Health is not in-network with Kaiser Permanente, treatment at Lumin Health is self-pay. For patients paying out of pocket, intramuscular (IM) ketamine costs significantly less than Spravato (esketamine). See our ketamine treatment cost guide, or get in touch with our intake team to talk through your options.

Is ketamine FDA-approved?

No, the FDA has not determined that ketamine is safe and effective for psychiatric disorders, and this use is considered "off-label". The FDA has issued warnings about compounded ketamine products for these uses. That being said, a formulation of esketamine is FDA-approved and is covered by most major insurance plans. Get in touch with Lumin Health to learn how you can start treatment.

Can I receive Spravato at Lumin Health if I have Kaiser Permanente?

Yes, as a self-pay patient. Lumin Health is not in-network with Kaiser Permanente, so Kaiser Permanente insurance cannot be used for treatment at Lumin Health. If you switch to a plan Lumin Health accepts during open enrollment or through a new job, we're glad to verify your new benefits.

Will Lumin Health submit a prior authorization to Kaiser Permanente?

No. Because Lumin Health is not in-network with Kaiser Permanente, we do not submit prior authorization requests to Kaiser Permanente. For patients with a plan Lumin Health accepts, such as Aetna, Anthem, Blue Cross Blue Shield (including CareFirst BCBS in Maryland), Cigna, or United Healthcare, our team handles prior authorization on your behalf.

How do I know if I’m a good candidate for ketamine therapy, and how can I start treatment?

Ketamine therapy is generally recommended for individuals with serious depression or related conditions that haven’t responded well to standard treatments. If you have tried traditional antidepressants and talk therapy without sufficient improvement, you may be a good candidate to consider ketamine or esketamine. The best way to know for sure is to have a professional evaluation. At Lumin Health, our experienced medical team will conduct a thorough assessment of your medical history, current symptoms, and past treatment trials to determine if ketamine or Spravato is appropriate and safe for you. We take into account factors like your diagnosis, how many treatments you’ve tried, and any health issues that might affect ketamine’s use. If you’re deemed a good candidate and you decide to proceed, starting treatment is straightforward – you can book a free consultation with us (online or by phone at 617-863-8810) to discuss your case and ask any questions. From the initial consultation to your first session, the process is usually quick. In fact, most patients can begin treatment within a few weeks after the evaluation (and we do our best to accommodate urgent cases faster). Our staff will guide you through every step – verifying your insurance coverage for Spravato (esketamine) if applicable or discussing payment options for ketamine, scheduling your appointments, and coordinating care with your existing providers if needed. This personalized intake process ensures that you feel informed and supported from day one so you can start your ketamine therapy journey with confidence and hope for relief.

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.

Check your Coverage

Does Kaiser Permanente cover ketamine therapy?

Latest medical review on: September 15th, 2026. Medically reviewed by Instructor in Psychiatry at Harvard Medical School and Lumin Health Co-founder, Chief Medical Officer Dr. Ben Yudkoff.

Lumin Health is not currently in-network with Kaiser Permanente plans, so we cannot accept Kaiser Permanente insurance for Spravato (esketamine) or ketamine therapy. We are grateful for your interest in starting treatment with us and apologize for not being able to accept Kaiser Permanente plans.

Quick answer: Does Lumin Health accept Kaiser Permanente?

No. Lumin Health is not currently in-network with Kaiser Permanente.

Kaiser Permanente plans: ✕ Not accepted at Lumin Health, in Massachusetts or Maryland.
Kaiser HMO members: care is generally provided inside Kaiser's own network, so Kaiser member services is the best first call about Spravato (esketamine).
Self-pay: treatment at Lumin Health is still available on a self-pay basis.

See self-pay treatment costs → See the plans Lumin Health accepts →

Does Kaiser Permanente cover Spravato therapy or esketamine treatment?

Kaiser Permanente is an integrated health system: it both insures its members and employs the clinicians who care for them. Spravato (esketamine) is FDA-approved for treatment-resistant depression, and Kaiser Permanente Mid-Atlantic States, for example, administers Spravato through its medical benefit, with criteria managed internally by its own psychiatry teams. Because Kaiser HMO members generally receive care within Kaiser, coverage and referral requirements differ from other insurers and vary by plan and region. The member-services number on your Kaiser Permanente card is the best way to confirm how Spravato is covered on your plan.

Does Kaiser Permanente cover IV ketamine or ketamine injections for mental health?

Generic ketamine is not FDA-approved for psychiatric conditions, and Kaiser regions that publish ketamine policies, such as Kaiser Permanente Washington, classify IV ketamine for depression as experimental/investigational and do not cover it. Lumin Health does not offer IV ketamine; we offer Spravato (esketamine) and intramuscular (IM) ketamine. Because Lumin Health is not in-network with Kaiser Permanente, either treatment at Lumin Health would be self-pay.

Does Lumin Health accept Kaiser Permanente for Spravato treatment?

No. Unfortunately, Lumin Health is not currently in-network with Kaiser Permanente and cannot accept Kaiser Permanente insurance, in Massachusetts or Maryland, for our esketamine (Spravato) treatment program or ketamine therapy. There is always the option to self-pay though; so please get in touch with us anytime if that is an option for you.

Can Lumin Health recommend any other providers or resources?

Yes. While we can't vouch for another practice the way we can for our own care, there are reliable places to start.

Find a Spravato treatment center in your network. Esketamine (Spravato) is administered at REMS-certified treatment centers across the country. Johnson & Johnson's official treatment center locator at spravato.com lets you search by ZIP code, and the member-services number on the back of your insurance card can confirm which centers are in-network for your plan.

Ask your insurance plan for a referral. Your carrier's provider directory and member-services team can point you to in-network psychiatrists who offer Spravato or other treatment options for depression that hasn't responded to antidepressants. Kaiser Permanente HMO members generally receive care within Kaiser, so Kaiser's own behavioral health team is usually the place to start.

Consider self-pay at Lumin Health. If you'd still like to receive care here, self-pay treatment may be an option. See our ketamine treatment cost guide or talk with our team.

If your coverage changes or if you're unsure. If you switch plans through open enrollment or a new job, we're glad to verify your new benefits — the 60-second coverage checker is the fastest way.

If you're in crisis right now, don't wait on insurance: call or text 988, the Suicide & Crisis Lifeline, available 24/7.

Looking for plan-specific coverage details by State? See our Maryland guide for Kaiser Permanente Mid-Atlantic members. 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.

Lumin Health Locations

Newton Centre
10 Langley Road, Suite 200
Newton, MA 02459 Cambridge (Harvard Square)
50 Church Street, 3rd Floor
Cambridge, MA 02138 Woburn
300 Tradecenter Drive, Suite 3400
Woburn, MA 01801 Brookline
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Brookline, MA 02446 Bethesda
4825 Bethesda Avenue
Suite 200
Bethesda, MD 20814

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