How Your Insurance Can Help Cover Therapy With Octave
We’ve got you covered
Does insurance cover therapy? Up to 96% of Octave clients received coverage from their insurance provider, with an average out-of-pocket cost of $28 per session.
Insurance makes therapy more affordable and we help you navigate every step.
Octave works with you and your insurance provider to secure you the best coverage. And we are always growing our insurance partnerships to make high-quality therapy as affordable as possible.
Insurance Coverage
How much does insurance cover for therapy?
Know the cost of therapy before you start. Discover how much your insurance will cover for therapy with Octave. Simply select your state and insurance provider to see any out-of-pocket costs.
Billing and Insurance
How Octave works with insurance
1
Provide your insurance plan information
We ask for your insurance details during the onboarding process so that we can contact your insurance to verify your benefits.
2
Verification of benefits
Octave gives you an estimate of what your cost per sessions are. This may not be your final cost per session, depending on your specific plan rules.
3
Find a therapist and start sessions
Choose a therapist who best fits your needs, or talk to one of our specialists who can help you find a therapist.
My therapist is extremely kind, human-centered, engaged, and invested. I don’t feel like a transactional client, but rather, a human.
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye-opening therapy I have ever received — I cannot recommend Octave enough.
Octave and the therapists are amazing. Everything from billing and scheduling, to the actual care, has been phenomenal.
I’ve had such an impossibly hard time — for the past eight years — finding a therapist both in my network and who I bond with. When I signed up for Octave, they provided me with an amazing in-network therapist within a day. This is truly life changing!
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye opening therapy I have ever received — I cannot recommend Octave enough.
My therapist is extremely kind, human-centered, engaged, and invested. I don’t feel like a transactional client, but rather, a human.
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye-opening therapy I have ever received — I cannot recommend Octave enough.
Octave and the therapists are amazing. Everything from billing and scheduling, to the actual care, has been phenomenal.
I’ve had such an impossibly hard time — for the past eight years — finding a therapist both in my network and who I bond with. When I signed up for Octave, they provided me with an amazing in-network therapist within a day. This is truly life changing!
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye opening therapy I have ever received — I cannot recommend Octave enough.
We do! Please check out our Common Insurance Terms Page for more details
You can use your HSA/FSA to pay for individual therapy!
However, 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.
Octave exclusively hires providers who are highly experienced and fully licensed. Each candidate undergoes a comprehensive interview process, which includes a detailed assessment by our Clinical Leadership team. As part of this evaluation, providers are required to review a clinical case study and demonstrate their ability to effectively assess clients, develop individualized treatment plans, and deliver culturally competent care. Additionally, all providers must pass a stringent background check and receive approval from our credentialing committee. To ensure continued excellence, providers are regularly monitored to confirm their good standing with their respective licensing boards and the National Provider Database.
Octave is actively increasing coverage and making mental health care more approachable for more people. Sign up for our newsletter to stay up to date!
No, Octave is not a subscription/membership service. Clients are charged on a per appointment basis.
If you are thinking about canceling, we encourage you to speak directly with your Octave therapist or your Care Navigator.
If you wish to switch to a new Octave provider, your therapist will be able to initiate this process, and you can expect to be contacted by a member of the Care Navigation Team within 1-4 business days. From there, your Care Navigator will assist in rematching you with a new provider.
If you prefer, you can cancel your appointments by emailing [email protected] or by visiting your Client Portal to cancel.
A superbill has the required information your insurance provider needs when you submit a claim for reimbursement, and is often asked for when your insurance is out-of-network. The superbill will include your name, your provider's name, your provider’s employment identification number, your provider’s National Provider Identifier number, the code(s) for your diagnosis, the code(s) for any services, the date of your appointment (date of service), and the total amount of the bill.
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)
- Capital Blue Cross of Pennsylvania
- Centivo (All states)
- Select Blue Shield of California (CA)
- BlueCard® PPO plans / Out of State BlueCard
- Blue Cross Blue Shield (FL)
- Blue Cross BlueShield of Tennessee
- Blue Cross Blue Shield of North Carolina
- Blue Cross Blue Shield of Texas
- Blue Cross Blue Shield of Massachusetts
- Health Net and Managed Health Network (MHN) (CA)
- Highmark Blue Cross Blue Shield (PA)
- Horizon Blue Cross Blue Shield of New Jersey (NJ)
- Independence Blue Cross (PA, NJ)
- Moda Health (OR)
- Oscar Health (various states)
- Regence BlueShield (WA)
- United Healthcare UMR plan for Mount Sinai employees (NY)
- United Healthcare/Optum (NY, IL, FL, TX, NC)
- United Healthcare/Oxford (NY)
Octave also has teamed up with Evernorth Behavioral Care Group to deliver high-quality care to Cigna Healthcare and Evernorth members, in Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington state, Wisconsin, and Washington D.C.
Hear from the experts
Learn from our experts about the cost of therapy, what impact insurance has on average cost, and more
Ready to See What Your Insurance Covers?
Thousands are on a clear path to emotional well-being through therapy with Octave.
Check Your Coverage & Get Matched† Octave has teamed up with Evernorth Behavioral Care Group to deliver high-quality care to Cigna Healthcare, Centivo, and Evernorth members.
How Your Insurance Can Help Cover Therapy With Octave
We’ve got you covered
Does insurance cover therapy? Up to 96% of Octave clients received coverage from their insurance provider, with an average out-of-pocket cost of $28 per session.
Insurance makes therapy more affordable and we help you navigate every step.
Octave works with you and your insurance provider to secure you the best coverage. And we are always growing our insurance partnerships to make high-quality therapy as affordable as possible.Insurance Coverage
How much does insurance cover for therapy?
Know the cost of therapy before you start. Discover how much your insurance will cover for therapy with Octave. Simply select your state and insurance provider to see any out-of-pocket costs.
Billing and Insurance
How Octave works with insurance
1
Provide your insurance plan information
We ask for your insurance details during the onboarding process so that we can contact your insurance to verify your benefits.
2
Verification of benefits
Octave gives you an estimate of what your cost per sessions are. This may not be your final cost per session, depending on your specific plan rules.
3
Find a therapist and start sessions
Choose a therapist who best fits your needs, or talk to one of our specialists who can help you find a therapist.
My therapist is extremely kind, human-centered, engaged, and invested. I don’t feel like a transactional client, but rather, a human.
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye-opening therapy I have ever received — I cannot recommend Octave enough.
Octave and the therapists are amazing. Everything from billing and scheduling, to the actual care, has been phenomenal.
I’ve had such an impossibly hard time — for the past eight years — finding a therapist both in my network and who I bond with. When I signed up for Octave, they provided me with an amazing in-network therapist within a day. This is truly life changing!
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye opening therapy I have ever received — I cannot recommend Octave enough.
My therapist is extremely kind, human-centered, engaged, and invested. I don’t feel like a transactional client, but rather, a human.
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye-opening therapy I have ever received — I cannot recommend Octave enough.
Octave and the therapists are amazing. Everything from billing and scheduling, to the actual care, has been phenomenal.
I’ve had such an impossibly hard time — for the past eight years — finding a therapist both in my network and who I bond with. When I signed up for Octave, they provided me with an amazing in-network therapist within a day. This is truly life changing!
From the thoughtful intake, ease of dealing with insurance and on top of it one of the most thorough and eye opening therapy I have ever received — I cannot recommend Octave enough.
We do! Please check out our Common Insurance Terms Page for more details
You can use your HSA/FSA to pay for individual therapy!
However, 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.
Octave exclusively hires providers who are highly experienced and fully licensed. Each candidate undergoes a comprehensive interview process, which includes a detailed assessment by our Clinical Leadership team. As part of this evaluation, providers are required to review a clinical case study and demonstrate their ability to effectively assess clients, develop individualized treatment plans, and deliver culturally competent care. Additionally, all providers must pass a stringent background check and receive approval from our credentialing committee. To ensure continued excellence, providers are regularly monitored to confirm their good standing with their respective licensing boards and the National Provider Database.
Octave is actively increasing coverage and making mental health care more approachable for more people. Sign up for our newsletter to stay up to date!
No, Octave is not a subscription/membership service. Clients are charged on a per appointment basis.
If you are thinking about canceling, we encourage you to speak directly with your Octave therapist or your Care Navigator.
If you wish to switch to a new Octave provider, your therapist will be able to initiate this process, and you can expect to be contacted by a member of the Care Navigation Team within 1-4 business days. From there, your Care Navigator will assist in rematching you with a new provider.
If you prefer, you can cancel your appointments by emailing [email protected] or by visiting your Client Portal to cancel.
A superbill has the required information your insurance provider needs when you submit a claim for reimbursement, and is often asked for when your insurance is out-of-network. The superbill will include your name, your provider's name, your provider’s employment identification number, your provider’s National Provider Identifier number, the code(s) for your diagnosis, the code(s) for any services, the date of your appointment (date of service), and the total amount of the bill.
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)
- Capital Blue Cross of Pennsylvania
- CareFirst (DC, MD, VA)
- Centivo (All states)
- Select Blue Shield of California (CA)
- BlueCard® PPO plans / Out of State BlueCard
- Blue Cross Blue Shield (FL)
- Blue Cross BlueShield of Tennessee
- Blue Cross Blue Shield of North Carolina
- Blue Cross Blue Shield of Texas
- Blue Cross Blue Shield of Massachusetts
- Health Net and Managed Health Network (MHN) (CA)
- Highmark Blue Cross Blue Shield (PA, NY)
- Horizon Blue Cross Blue Shield of New Jersey (NJ)
- Independence Blue Cross (PA, NJ)
- Moda Health (OR)
- Oscar Health (various states)
- Regence BlueShield (WA)
- United Healthcare UMR plan for Mount Sinai employees (NY)
- United Healthcare/Optum (NY, IL, FL, TX, NC)
- United Healthcare/Oxford (NY)
Octave also has teamed up with Evernorth Behavioral Care Group to deliver high-quality care to Cigna Healthcare and Evernorth members, in Arizona, California, Colorado, Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington state, Wisconsin, and Washington D.C.
Hear from the experts
Learn from our experts about the cost of therapy, what impact insurance has on average cost, and more
Ready to See What Your Insurance Covers?
Thousands are on a clear path to emotional well-being through therapy with Octave.
Check Your Coverage & Get Matched† Octave has teamed up with Evernorth Behavioral Care Group to deliver high-quality care to Cigna Healthcare, Centivo, and Evernorth members.