Therapists accepting Oscar Health in Alabama

Seeing a Therapist Who Accepts Oscar Health Insurance

Oscar therapists, psychologists, and counselors are available for in-person appointments and video therapy sessions.

Therapy with an in-network Oscar counselor may cost no more than your copay, which typically ranges from $0 to $50. Some Oscar plans may require you to pay coinsurance instead of a copay, which means you’ll cover a certain percentage of the therapist’s fees out-of-pocket. 

You may have to pay the therapist’s full rate if you haven’t met your annual deductible with Oscar, even if the therapist is an in-network provider with Oscar.

Depending on your Oscar insurance plan, there may be restrictions on the types of therapy services covered (e.g. couples counseling, grief counseling, psychological testing). Additionally, some plans may require you to get a referral from your primary care physician. 

Oscar is an HMO with a Medicare contract. Oscar is an EPO (Exclusive Provider Organization), meaning that they do not offer out of network benefits.

To check the specific costs and coverage details associated with your Oscar health insurance plan, give them a call at (855) 672-2755 or visit Oscar’s website to review your behavioral health benefits online. 

Finding Psychologists, Therapists, and Counselors in Alabama

Finding a therapist in Alabama may be easier in the larger cities like Huntsville, Birmingham, Montgomery and the suburbs off of I-95. Online therapy may be a good option if you live in the more rural areas or if a therapist with a particular specialty is not located near you. 

Out of pocket costs for therapy in Alabama will run between $90 - $110+ per session. Couples counseling and family therapy may be more expensive, starting at $100 - $125+ per session. And any first appointment with a therapist tends to be a little longer and may cost a little more. 

There are currently over 20,000 counselors in Alabama with licenses, including Licensed Independent Clinical Social Workers (LICSW), Licensed Marriage and Family Therapist (LMFT), Licensed Professional Counselors (LPC), and Psychologists (Ph.D. and Psy.D.). 

If you think you might qualify for free or reduced-cost services from the state, take a look at the ADMH website or see if you qualify for Medicaid.

Licensed clinicians (and even interns) are held to strict practice guidelines. If you’d like to learn more about identifying and reporting misconduct, learn more here.