Find an Oscar Psychiatrist

Oscar plans cover outpatient mental health care—including therapy and psychiatry—with no session limit. Your out-of-pocket costs depend on your plan type, deductible status, and whether you're receiving care virtually or in person. Below is a general guide to what you can expect for in-network services:

Exact costs vary based on your location and plan details. Always confirm with Oscar or the provider before booking.

Important Notes:

• No referral required: Book directly with a mental health specialist.
• Essential benefit: Mental health visits have no yearly limit.
• Virtual care parity: Telehealth costs the same or less than in-office visits. Many plans offer a $0 copay with Oscar's preferred telehealth partners.
• Extensive network: Access thousands of licensed clinicians through the Optum/Headway national network in states where Oscar is available.

All three bill under the same outpatient mental-health benefit, so your cost share is identical.

1. Day 1 – Mila logs into the Oscar app and taps Find Care → Mental Health. Eight therapists that take Oscar insurance appear within ten miles.
2. Day 1 – She filters for “Telehealth,” “CBT,” and “evening hours.” Three remain, all marked Accepting new patients.
3. Day 2 – Cost estimator shows $0 for virtual therapy, $25 for an office visit (Silver Saver plan).
4. Day 3 – Mila schedules a Thursday 8 p.m. video session with Jenna Lee, LCSW—an in-network therapist Oscar insurance covers. Copay: $0.
5. Day 10 – Jenna recommends a low-dose SSRI. Mila books a 30-minute video consult with an Oscar psychiatrist for the next afternoon (also $0).

Time from search to first session: three days. Out-of-pocket to date: $0.

1. Sign in to your Oscar account using the app or member portal, or call the Concierge number listed on your ID card.
2. Select “Find Care” → “Mental Health.”
3. Use filters to narrow results by ZIP code, telehealth or in-person visits, specialty (e.g., trauma, ADHD, couples therapy), preferred language, and availability on evenings or weekends.
4. Check for the “In Network” badge to make sure the provider is covered by your plan.
5. Preview your cost using the built-in estimator to see your copay or deductible.
6. Book your session directly in the app for virtual visits, or call the provider’s office to schedule in-person care.
7. Complete any required intake forms sent by the provider before your first appointment.

• Headway + Oscar: Access licensed therapists and psychiatrists for video sessions from 7 a.m. to 9 p.m., seven days a week. Many Oscar plans offer these visits with a $0 copay.
• Oscar Virtual Primary Care: Your virtual PCP can evaluate symptoms and prescribe first-line medications for anxiety or depression—helpful while you're waiting to see a mental health specialist.
• Phone-Only Sessions: If video isn’t possible, phone sessions are available and cost the same as virtual visits.

• Track every interaction: Write down the date, staff name, and next available appointment each time you call a provider. This documentation can help if you need to escalate.
• Contact Oscar Concierge: Reach out through the app or member portal. The Concierge team can view real-time cancellations through Headway and help you find sooner openings.
• Request a network adequacy exception: If no in-network appointment is available within 10 business days, ask Oscar to approve an out-of-network provider at in-network rates.
• File a formal complaint: If delays persist, submit a member complaint. Oscar is required to respond and offer alternative solutions.

Does Oscar cover therapy? Yes. Outpatient therapy and psychiatric visits are essential benefits on every Oscar plan. Copays range from $0 to about $40, depending on the metal tier and whether the deductible is met.

How do I find therapists that take Oscar insurance near me? Use the Oscar app’s Find Care tool, enter your zip code, and choose “Mental Health.” Filter by Accepting patients or Telehealth for faster options.

Are Oscar psychiatrists accepting new patients? Many are, especially through Headway’s video network. Use the telehealth filter and the Accepting patients tag for real-time availability.

Will my virtual session count toward my deductible? Yes. Telehealth visits apply to the same deductible and out-of-pocket maximum as office visits.