Lumin Health provides transformative therapies like ketamine and Spravato treatment for mental health conditions. We accept most major health insurance plans (listed below). Explore your options below.

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.Kaiser Permanente logo for insurance-covered Esketamine (Spravato) therapy.Tricare logo for insurance-covered Esketamine (Spravato) therapy.Elevance Health 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 conditions

Is Ketamine Covered by Insurance? Why Spravato Coverage Differs from Ketamine Coverage

Yes, most plans cover Spravato (esketamine), but rarely IV ketamine. Coverage depends on your plan, diagnosis, and treatment path. Our team helps clarify likely benefits and next steps before treatment begins.

  • Spravato (Nasal Spray): ✓ Covered by Aetna, BCBS, Cigna, Medicare, and more for Treatment-Resistant Depression.
  • IV/IM Ketamine: ✕ Not Covered by most commercial insurers (considered "off-label").
  • Lumin Health: We are in-network with all major commercial payers for Spravato treatment.
  • Don't see your plan listed? Contact us — we may still be able to work with your insurance. Our team will verify your specific coverage at no charge.

Insurance Coverage for Esketamine (Spravato) & Ketamine Therapy at Lumin Health

This page explains how insurance coverage differs between ketamine therapy and esketamine (Spravato), what the verification process involves, and what to expect before treatment begins.

Check Your Insurance Coverage

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Does insurance cover ketamine therapy or esketamine (Spravato) treatment?

Yes, most insurance companies cover the FDA-approved version of ketamine called Spravato (esketamine), a highly effective solution for treating depression. However, insurances do not typically cover intravenous (IV) or intramuscular (IM) ketamine treatment for conditions associated with depression, anxiety, or other mood disorders. Esketamine therapy is a great option for those looking for ketamine therapy or ketamine infusion treatment, and provides very similar benefits for those dealing with mood and mental health issues. It’s generally well-tolerated and convenient due to its nasal spray form.  

Massachusetts Insurance Coverage for ketamine therapy and esketamine (Spravato)

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.

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

Maryland Insurance Coverage for ketamine therapy and esketamine (Spravato)

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

How Lumin Health Works with your Insurance to Cover Esketamine Therapy

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 Spravato (esketamine) treatments.

Step 1

Verification of Benefits

Lumin Health will contact your insurance provider to confirm your eligibility and benefits.

Step 2

Prior Authorization

If required, Lumin Health will handle the submission of all necessary clinical information for prior authorization.

Step 3

Beginning Ketamine Therapy

Lumin 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.
You’ll soon be on your way to feeling better!

Spravato (Esketamine)

Ketamine

Costs
With insurance coverage, appointment costs regularly come out to the cost of a typical office visit. This can have massive impact on accessibility of treatment.
Intramuscular ketamine injections typically are $500/session, but pricing is determined on number of sessions booked.
Administration route
Intranasal spray
Intravenous infusion, intramuscular injection, oral lozenge, or intranasal spray

Major Insurance Providers We Work With at Lumin Health Massachusetts

We accept Medicare and most private insurance plans offered in Massachusetts, including: Aetna, Anthem, Blue Cross Blue Shield (BCBS), Cigna, Evernorth, Mass General Brigham Health Plan, Harvard Pilgrim, Optum, Point32Health, Tufts Health Plan*, and United Healthcare. Get in touch with our concierge team to learn more about how we can navigate your individual situation. Click into the logos below to learn more about the individual plans we work with at Lumin Health.
*Please note that Lumin Health only works with some plans in the Tufts umbrella, and Lumin Health unfortunately cannot work with Health Together/Health Direct/OneCare/ConnectorCare Tufts Health Plans.
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 conditionsDoes Mass General Brigham Health Plan cover ketamine therapy?Logo 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 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 conditions

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

Frequently Asked Questions about Ketamine Therapy Cost, Insurance Coverage and More

Ketamine treatment led by psychiatrists at Lumin Health – decades of experience, over 1,800 patients helped

The Lumin Health medical team
Our team of academically-affiliated and board-certified psychiatrists and clinicians are experts in 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 would be grateful to connect to answer your questions about ketamine and Spravato. We handle the details so you can focus on getting better.
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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
Instructor in Psychiatry
Harvard Medical School
SJ Fletcher, MD PhD
Site Medical Director
Woburn, MA
Instructor in Psychiatry
Harvard Medical School
Mona Itani MD, MS
Site Medical Director
Newton, MA
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
Kevin Warming
Spravato Technician
Massachusetts
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
Madison Chau, LCSW
Licensed Clinical Social Worker
Newton, MA
Kandace Small, RN
Registered Nurse
Woburn, 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
Tessa Rockwell, RN
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
Jess Mahoney
Office Manager
Newton, MA
Sabrina Nebiye, RN
Registered Nurse
Cambridge, MA
Alison Choate, RN
Registered Nurse
Cambridge, MA
Elaura Patton, PA-C, MA
Physician Assistnat
Cambridge, MA
Jonah Shifrin
Spravato Technician

5-star expert ketamine and esketamine (Spravato) treatment

As the top rated ketamine therapy center in Boston, we’re honored by our
patients’ overwhelming praise and 5-star Google reviews.
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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