How much is EMDR therapy without insurance in Texas?

Usually $150 to $300 a session, depending on the therapist's experience and where they practice. Some therapists offer a sliding scale. Over 12 sessions that's roughly $1,800 to $3,600.

Is EMDR more expensive than regular therapy?

With insurance, it usually costs the same, because it's billed with the same psychotherapy codes as talk therapy.

How many EMDR sessions will I need?

Often 6 to 12, sometimes more, and it varies from person to person. Your therapist will give you a better sense after the first few sessions.

Does online EMDR cost less?

Insurance generally covers telehealth therapy the same way as in-person visits, so your copay is usually the same. Some plans, Sana among them, charge less for virtual mental health visits.

How much does EMDR therapy cost in Texas?

Paying cash, EMDR in Texas usually runs $150 to $300 a session. With insurance, you normally pay your plan's mental health copay instead, because therapists bill EMDR as regular psychotherapy. Each plan sets its own copay, and the ranges for the plans Loma takes are below. A full course is often 6 to 12 sessions, sometimes more.

EMDR costs at a glance

What you'll pay depends mostly on how you pay. These are the usual ranges in Texas:

Cash / self-pay: Per session $150 – $300. A 12-session course: $1,800 – $3,600.
Out-of-network insurance: Per session $100 – $200+. A 12-session course: $1,200 – $2,400+.
In-network with a copay: Per session Your plan's copay. A 12-session course: 12 times your copay.
In-network, $0 copay plans: Per session $0. A 12-session course: $0.

Course totals are per-session prices times 12. Each plan's own copay range is in the next section. Your course may be shorter or longer; your therapist will talk it through with you after the first few sessions.

What the difference looks like over a full course

Say you need 12 sessions. At a cash-pay practice charging $200 a session, that's $2,400. With an in-network therapist and a $30 copay, it's $360. On a plan with a $0 mental health copay, it's nothing.

Most EMDR specialists in Texas are cash-pay only, so the insured price only helps if you can find an EMDR-trained therapist who is actually in your network. That's the part most people get stuck on.

What you'd pay on the plans Loma takes

These are the typical in-network copays for each plan, from each plan's coverage guide. Your exact amount depends on the plan your employer picked, and we check it before your first session.

Curative: $0 after your Baseline Visit.
Aetna: Usually $20 – $50 a session.
Blue Cross and Blue Shield of Texas: Usually $20 – $60 a session.
Cigna: Usually $20 – $50 a session.
UnitedHealthcare: Usually $20 – $60 a session.
Sana Benefits: $0 for virtual visits on most plans.

Don't see your plan? Send us your details anyway and we'll check your benefits. All insurance plans

Deductibles and coinsurance

Some plans charge a flat copay from the first visit. Others make you meet a deductible first, and then you pay a percentage of each session (coinsurance), commonly 10% to 30%. High-deductible plans work this way, so early in the year you may pay the plan's full negotiated rate until the deductible is met.

You can use HSA or FSA money for EMDR copays, coinsurance, or self-pay sessions in most cases, since therapy counts as a qualified medical expense.

Why EMDR costs the same as regular therapy with insurance

EMDR has no billing code of its own. Therapists bill it as individual psychotherapy: 90834 for a 45-minute session, 90837 for 60 minutes, and 90791 for the first assessment visit. Your plan prices those codes like any other therapy visit, so an EMDR session costs you what any therapy session would.

Federal parity law also bars most plans from charging more for mental health care than for comparable medical care.

Questions about EMDR cost

How much is EMDR therapy without insurance in Texas?: Usually $150 to $300 a session, depending on the therapist's experience and where they practice. Some therapists offer a sliding scale. Over 12 sessions that's roughly $1,800 to $3,600.
Is EMDR more expensive than regular therapy?: With insurance, it usually costs the same, because it's billed with the same psychotherapy codes as talk therapy.
How many EMDR sessions will I need?: Often 6 to 12, sometimes more, and it varies from person to person. Your therapist will give you a better sense after the first few sessions.
Does online EMDR cost less?: Insurance generally covers telehealth therapy the same way as in-person visits, so your copay is usually the same. Some plans, Sana among them, charge less for virtual mental health visits.

Find out what you'd pay

Send us your insurance details and we'll check your EMDR coverage and copay before you book anything.

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