What if my insurance isn't listed?

The plans listed above are the ones Loma is in-network with today, and we're continually adding more. If yours isn't there, submit your information anyway — we'll verify your benefits directly with your insurer and walk you through your options, including what out-of-network reimbursement or self-pay would look like.

Do I need pre-authorization for EMDR?

Most plans do not require pre-authorization for outpatient psychotherapy including EMDR. However, some plans (particularly HMOs) may require a referral from your primary care physician. We'll let you know during verification.

How much does EMDR cost without insurance?

Self-pay rates for EMDR typically range from $150 to $300 per session depending on the therapist's location and experience. Some therapists offer sliding scale fees. Loma focuses on in-network insurance matching to keep your costs as low as possible.

Can I use my HSA or FSA for EMDR therapy?

Yes. EMDR therapy is a qualified medical expense under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use these pre-tax funds to cover copays, coinsurance, or self-pay costs.

EMDR therapy covered by insurance

Most major insurance plans cover EMDR therapy. Loma is in-network with Aetna, Blue Cross Blue Shield, Curative, Optum / UnitedHealthcare, and Sana Benefits, with more panels in progress. We verify your coverage before matching you with a therapist so there are no surprises. Typical in-network copays range from $0 to $35 per session.

Accepted insurance plans

Don't see your insurer? Submit your information and we'll verify your coverage.

How insurance verification works at Loma

Submit your info — Tell us your insurance plan, member ID, and what you're looking for in a therapist.
We verify coverage — Our team contacts your insurer to confirm EMDR therapy is covered under your plan and determine your copay or coinsurance.
Meet your therapist — We pair you with an EMDR-trained therapist who is in-network with your specific plan. No out-of-network surprises.

What does EMDR therapy cost with insurance?

The cost of EMDR therapy with insurance depends on your specific plan. Here are typical ranges:

Coverage type	Typical cost per session	Notes
In-network with copay	$0 – $35	Most common. Fixed copay per visit.
In-network with coinsurance	10% – 30% of session fee	You pay a percentage after deductible is met.
Out-of-network	$100 – $200+	Higher cost; Loma matches you in-network to avoid this.
No insurance / self-pay	$150 – $300	Cash rate varies by provider and location.

EMDR therapy CPT codes

EMDR therapy is billed using standard psychotherapy CPT codes. Your therapist will use:

CPT Code	Description	Duration
90834	Individual psychotherapy, 45 minutes	38–52 minutes
90837	Individual psychotherapy, 60 minutes	53+ minutes
90791	Psychiatric diagnostic evaluation (first session)	Varies

EMDR is not billed under a separate code — it's recognized as a form of individual psychotherapy. Most insurers cover these codes without prior authorization for outpatient mental health.

The Mental Health Parity and Addiction Equity Act

Under federal law (the Mental Health Parity and Addiction Equity Act of 2008), most insurance plans are required to cover mental health treatment at the same level as medical or surgical care. This means your insurer cannot impose higher copays, stricter visit limits, or more restrictive prior authorization requirements for mental health compared to physical health services.

If your insurer denies coverage for EMDR therapy, you may have grounds to appeal. Loma's team can help you understand your rights and navigate the appeals process.

Frequently asked questions

What if my insurance isn't listed?: The plans listed above are the ones Loma is in-network with today, and we're continually adding more. If yours isn't there, submit your information anyway — we'll verify your benefits directly with your insurer and walk you through your options, including what out-of-network reimbursement or self-pay would look like.
Do I need pre-authorization for EMDR?: Most plans do not require pre-authorization for outpatient psychotherapy including EMDR. However, some plans (particularly HMOs) may require a referral from your primary care physician. We'll let you know during verification.
How much does EMDR cost without insurance?: Self-pay rates for EMDR typically range from $150 to $300 per session depending on the therapist's location and experience. Some therapists offer sliding scale fees. Loma focuses on in-network insurance matching to keep your costs as low as possible.
Can I use my HSA or FSA for EMDR therapy?: Yes. EMDR therapy is a qualified medical expense under most Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use these pre-tax funds to cover copays, coinsurance, or self-pay costs.

Check your coverage

Submit your insurance details and we'll verify your EMDR therapy coverage — no commitment required.

Verify my coverage

Coverage guides for plans Loma accepts: Does Curative cover EMDR? · Does Aetna cover EMDR? · Does Blue Cross Blue Shield cover EMDR? · Does UnitedHealthcare cover EMDR? · Does Sana Benefits cover EMDR?

Coverage guides for plans Loma is not in-network with: Does Cigna cover EMDR? · Does Anthem cover EMDR? · Does Humana cover EMDR? · Does Medicare cover EMDR? · Does Medicaid cover EMDR? · Does TRICARE cover EMDR? · Does Kaiser Permanente cover EMDR?