Therapists accepting Oscar Health in Michigan

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 Michigan

Finding a therapist in Michigan may be easier in the city of Detroit. Online therapy may also 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 Michigan will run between $100 - $125+ per session. For couples counseling and family therapy, costs might start at $120 - $150+ per session. First appointments with a therapist tend to be a little longer and may cost a little more. Also, it’s important to note that specialized services can cost more.

There are currently over 38,000 counselors working in Michigan with licenses, including Licensed Master Social Workers (LMSW), 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 MDHHS website and/or see if you qualify for Medicaid.

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