Does Oscar Health cover EMDR therapy?
Oscar Health covers EMDR therapy as standard outpatient psychotherapy, and Loma is in-network with Oscar in Texas. Oscar sells individual and family plans on the marketplace, and nearly all of them are EPO plans, so care has to be in-network to be covered. Your per-session cost is your plan's mental health copay, or the deductible first on some bronze plans, and we check it before your first session.
Oscar EMDR coverage details
Oscar Health is an individual and family health plan sold on the ACA marketplace, with members across the big Texas metros. Mental health care is an essential health benefit on every marketplace plan, so outpatient therapy, EMDR included, is covered. Oscar's plans are almost all EPOs: they cover in-network care only, with no out-of-network benefit outside emergencies. Loma's therapists are in Oscar's network, so sessions with Loma count as in-network. Telehealth therapy is covered the same way as an office visit.
How EMDR is billed with Oscar
- Typical copay
- It depends on the plan tier you chose. Most Oscar silver and gold plans charge a flat copay for an outpatient mental health visit; some bronze plans apply the deductible first, so early sessions cost more until it is met. Oscar's member app shows your plan's exact mental health copay, and Loma confirms it before your first session so there are no surprises.
- Prior authorization
- Oscar doesn't usually require prior authorization for routine outpatient therapy, EMDR included. We confirm any plan-specific rule when we check your benefits.
- Session limits
- Marketplace plans can't put arbitrary annual caps on mental health visits that they don't put on medical visits (mental health parity). Oscar covers outpatient therapy as long as it is medically necessary, and we confirm the details when we verify your benefits.
Finding Oscar-covered EMDR therapists
Oscar plans are EPOs: in-network only, no referral needed to see a therapist. Loma is in-network with Oscar Health in Texas, and our therapists are EMDR-trained and licensed in Texas. Check that your card says Oscar (not a different carrier's marketplace plan) and we'll verify the rest.
Frequently asked questions
- Is Loma in-network with Oscar Health?
- Yes. Loma's therapists are credentialed with Oscar Health in Texas, so EMDR sessions with Loma are in-network care on an Oscar plan.
- Do I need a referral to see a Loma therapist on Oscar?
- No. Oscar's EPO plans don't require a referral from a primary care doctor for outpatient mental health care. You can book directly.
- What will an EMDR session cost me on Oscar?
- Your plan's mental health visit copay, or the deductible first if you are on a bronze plan that applies it to therapy. Oscar's app lists your plan's exact number, and Loma checks your benefits before your first session and tells you the cost up front.
- Does Oscar cover telehealth EMDR?
- Yes. Oscar covers telehealth mental health visits the same way it covers an in-person one, and every Loma session is by secure video.
Other plans Loma takes in Texas
- 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.
Other plans: Anthem · Humana · Medicare · Medicaid · All insurance plans
Find a verified, EMDR-trained therapist covered by your insurance. We usually send matches within two days. In Texas? See EMDR therapy in Texas.