Insurance & Pricing
We partner with insurance to make therapy affordable.
High-quality therapy is expensive. Our mission is to make it accessible to more people by working with insurance companies to cover mental health services in-network. Over 90% of our clients are getting great care with only a co-pay fee.
We're constantly working to expand our network.
Our Insurance Partners
Pricing
See a breakdown of our session costs below, or use our Cost Estimator to get an estimate based on your insurance.
Plug in your information to get an initial estimate.
In-Network
Out of Network
We are currently in-network with multiple employer-sponsored insurance plans. Co-pays and deductibles for our services range based on your coverage.
- Anthem Blue Cross of California (CA)
- Aetna (All states)
- Health Net and Managed Health Network (MHN) (CA)
- United Healthcare UMR plan for Mount Sinai employees (NY)
For details based on your state, use our Cost Estimator tool.
Most times, you can get 50% - 80% of your care paid for if your out-of-network benefits apply.
We can provide you with a monthly superbill to get this money easily reimbursed.
- Individual Therapy: $170-250/session
- Couples or Family Therapy: $190-275/session
For details based on your state, use our Cost Estimator tool.
What does it all mean?
What is "in-network" versus "out-of-network"? What is a superbill? We've put together a brief explainer for you.
Learn more about how to navigate insurance.
Frequently Asked Questions
At this time, Octave does not participate in any government payor programs, including Medicare and Medicaid. We also are not able to sign any single case agreements, which means we can't provide services to anyone who is covered by these plans, even if they want to pay out of pocket. This includes Medi-Cal plans in California and Medicaid plans in New York, Connecticut, Florida, New Jersey, Texas and Washington D.C.
To get an initial estimate, plug your information into our Cost Estimator.
During your signup process, we'll be able to provide a more accurate estimate based on your specific information. For in-network clients, we will contact your insurance company on your behalf to learn more about your coverage and benefits. Once we have this information, we can provide a price range you can expect to pay before you start care at Octave.
We’ll take your payment information when you book your first appointment. You’ll be billed at the close of your appointment, and it may take 1-2 business days for the charge to show up on your statement. We accept all major credit/debit cards — even some HSA and FSA accounts.
Flexible spending accounts (FSA) and health savings accounts (HSA) are like personal savings accounts for medical expenses. The funds in these accounts are deposited on a pre-tax basis and can be applied to our services. We recommend that you research your specific plan to best understand how to utilize it for services with Octave.
Many insurance plans are offering coverage for telehealth, including virtual therapy sessions. To verify your coverage, reach out to your insurance company.
Following your appointment, we’ll give you the information needed to submit a claim to your insurance provider. This includes steps for submitting your claim and a superbill to help the reimbursement process go faster. If you need to request a superbill, please contact support@findoctave.com.
You can update your insurance details on our Client Portal. To login, enter your email address and you will receive a verification code to enter the portal. Within the portal, you can securely update your insurance information.
If you have any issues updating via the Client Portal, you can alternatively submit using this form if your insurance has changed. Once submitted, a Billing Specialist will complete a verification of benefits and email you with details regarding your coverage.
Ready to get started?
Let us match you with the right provider. Fill out a questionnaire about your therapy needs and preferences, and you can start care in as soon as 10 days.
