Ketamine Therapy Cost: Spravato Covered by Insurance

Q: Will my insurance cover Spravato?

Yes — esketamine (Spravato) is covered by Medicare and most major insurance providers including Aetna, Blue Cross Blue Shield, Cigna, Harvard Pilgrim, Optum, and UnitedHealthcare. 95% of Lumin Health patients are covered, with typical out-of-pocket costs of $10-$25 per session. The fastest way to confirm your coverage is our 60-second insurance checker.

Q: How does the cost of Spravato compare to IV ketamine?

For most insured patients, Spravato is $10-$25 per session in copay. IV ketamine at other clinics typically runs $600–$1,000+ per session and is rarely covered by insurance — making Spravato dramatically more affordable when you have qualifying coverage.

Ketamine treatment cost: $10–$25/session when covered

95% of Lumin Health patients pay $10-$25 co-pays. Esketamine (Spravato) is FDA-approved and covered by Medicare and most major insurance plans. If your plan doesn't cover it, IM ketamine is $500 per session.

Recommended when insured

Esketamine (Spravato)

FDA-approved · Insurance-covered

$10-$25

Typical copay per session

Full courseCovered
Insurance✓ Most plans
Session length~2 hours (incl. monitoring)
FDA approval✓ TRD + MDD-SI

IM Ketamine

Lumin's cash-pay option

$500

Per session, all-in

Full course$3,000–$5,000
Insurance✗ Cash-pay
Session length60–90 min
Sessions6–10 over 3–5 wks

IV Ketamine

Other clinics

$600–$1,000+

Per session, before fees

Full course$4,800–$10,000+
Insurance✗ Cash-pay
Session length2+ hours
Available at Lumin✗ Not offered

The cost of ketamine treatment: understanding your investment

The ketamine treatment cost can vary depending on the method of administration and the number of sessions required. Typically, clients see positive benefits and often remission from depression after a course of six-to-ten sessions over three-to-five weeks (twice a week). From there, occasional maintenance ketamine treatments may be necessary, which is entirely dependent on how each individual responds to ketamine treatment and the recommendations from your medical providers, which is an integral part of ketamine therapy at Lumin Health.

IM Ketamine vs. IV Ketamine Infusions: How the Two Approaches To Ketamine Treatment Differ

Infusion (IV) ketamine treatment

Ketamine infusion involves the administration of the medication through an intravenous (IV) line over a period of time. This method delivers a controlled dosage of ketamine directly into the bloodstream, which is known for its rapid onset time and easily-controllable dosage delivery. An IV line is started for a patient and the patient remains attached to the line and IV pump for the duration of their treatment, roughly 2 hours.

Intramuscular (IM) ketamine treatment

At Lumin Health, we use ketamine intramuscular (IM) shots to deliver ketamine - typically a shot into the upper arm - making the process more convenient for our clients.

Comparing ketamine infusion therapy and ketamine intramuscular injections

Both ketamine infusion and ketamine intramuscular treatment are supported by scientific and medical literature as effective options for various mental health conditions. While infusion requires an IV line and a longer session, intramuscular treatment involves a simple shot, making it less invasive and more manageable.

Typically, ketamine infusion (IV) sessions can last several hours, whereas intramuscular (IM) treatment sessions are typically shorter. Most of our clients find that 90 minutes is enough time to get the treatment and recover.

What a Full Ketamine Treatment Plan Costs

Our typical ketamine treatment plan consists of six-to-ten sessions (determined by how you respond) over three-to-five weeks. This structured approach has been found to be effective in delivering sustainable relief for depression through ketamine therapy. The ketamine treatment cost at Lumin Health is $500 per session or $3,000-$5,000 for the full course. This comprehensive approach allows us to provide a more budget-friendly option compared to traditional ketamine infusion treatments, which can run $600 to $1,000 or more per treatment.

We understand that each patient's needs are unique. As a result, we tailor our ketamine treatment plans and associated costs to suit individual requirements, ensuring that you receive the most effective and personalized care.

That being said, Lumin Health's Spravato (esketamine) treatment protocol is robust, effective, safe, and covered by insurance. This is because Spravato and esketamine treatment have been approved by the FDA for treatment‑resistant depression and major depressive disorder with suicidal ideation

Common questions

Frequently asked questions

Will my insurance cover Spravato?

Yes — Spravato (esketamine) is covered by Medicare and most major insurance providers including Aetna, Blue Cross Blue Shield, Cigna, Harvard Pilgrim, Optum, and UnitedHealthcare. 95% of Lumin Health patients are covered, with typical out-of-pocket costs of $0–$50 per session. The fastest way to confirm your coverage is our 60-second insurance checker.

How does the cost of Spravato compare to IV ketamine?

For most insured patients, Spravato is $0–$50 per session in copay. IV ketamine at other clinics typically runs $600–$1,000+ per session and is rarely covered by insurance — making Spravato dramatically more affordable when you have qualifying coverage.

What's included in a $500 IM ketamine session at Lumin Health?

The $500 covers the IM ketamine medication, clinical monitoring throughout your 60–90 minute session, and integration support and follow-up care. A full course of 6–10 sessions over 3–5 weeks runs $3,000–$5,000 total.

How quickly can I start treatment?

From initial contact to your first treatment session, the process typically takes 1–2 weeks. We can move faster if your situation is urgent.

Can I switch from cash-pay IM ketamine to insurance-covered Spravato later?

Yes. If your insurance begins covering Spravato during your treatment course, we can transition you from IM ketamine to Spravato without restarting the full course.

Ketamine treatment cost: $10–$25/session when covered

What does ketamine treatment actually cost?