Sondermind Logo
Oscar behavioral health partner logoOscar behavioral health partner logo

Our therapists are in‑network with Oscar.

Use your insurance for quality mental healthcare from licensed professionals, who are available for both online or in-person sessions.

How It Works

Clipboard icon

Answer a few questions

Take a brief questionnaire to help us find the best therapist for you.

Sign icon

Receive your matches

Our team contacts providers in our network to find the best match for you. Want more options? Request a rematch at any time!

calendar icon

Make an appointment

Schedule an in-person or video session with your therapist.

Piggy Bank Icon

Save money with insurance

We’ll save you money by only selecting our therapists who take your insurance.

Prefer to connect over the phone, need more information, or have a few questions? Talk to a Wellness Coordinator at 844-THERAPY, Monday-Friday 7 AM - 9 PM ET and Saturday 10 AM - 7 PM ET.
Home
»
Insurance
»
Oscar

Find an Oscar therapist near you.

Our licensed therapists are in-network with a variety of Oscar health plans. That means you get direct access to mental health professionals, without having to dig through an outdated directory or get on a waitlist. Because we believe real therapy creates real change.

match with a therapist
Map of accepted insurance locations
Arizona • Colorado • Georgia • Missouri • Ohio • Texas • Virginia

Our therapists are currently in-network with Oscar Medicare Advantage plans administered in Arizona and Ohio only. Learn more about Medicare and SonderMind.

Arizona • Colorado • Georgia • Missouri • Ohio • Texas • Virginia

Frequently Asked Questions

How do I use my insurance to pay for sessions?

Our therapists are in-network with a variety of insurance plans and carriers in each state. To match you with a therapist who is in-network with your insurance carrier, we’ll ask you to upload a picture of the front and back of your insurance card. 

It’s important to check with your insurance provider directly to understand your unique plan and coverages. The best way to avoid any unexpected costs is to call the number on your insurance card before your therapy session. Be sure to ask about mental and behavioral health benefits, as those can differ from other medical benefits. 

We’ll also ask for your credit card information. We keep this securely on file just in case you are responsible for any copays, coinsurance, deductibles, or no-show fees. We’ll always notify you at least 3 days before any charges to your card if you are responsible for such fees.

If I’m using my insurance, why do you need my credit card information?

Sometimes insurance benefits don’t cover the full cost of a session. Every insurance plan varies, and depending on your plan, you could be responsible for certain fees like copays, coinsurance, and deductibles.

It’s important to check with your insurance provider directly to understand your unique plan and coverages. The best way to avoid any unexpected costs is to call the number on your insurance card before your therapy session. Be sure to ask about mental & behavioral health benefits, as those can differ from other medical benefits. We also need your credit card information in case you do not show up to your session. If your session is not canceled or rescheduled at least 24 hours before the original session date and time, you may be charged a no-show fee. These fees can be up to the full session cost.

To avoid no-show fees, be sure to cancel or reschedule your appointments at least 24 hours in advance. You can cancel or reschedule appointments directly with your therapist.

If you're responsible for any payment, we'll let you know by email three calendar days before any charges.

We keep your credit card information securely on file, just in case you are responsible for any copays, coinsurance, deductibles, or no-show fees. And if, at any point, you’d like to pay for sessions without using insurance.

How does SonderMind determine what I owe?

After each session, your therapist will submit a bill. We review each bill as it is submitted. If you aren’t using insurance, we’ll process the bill using your credit card on file. We’ll send you an email 3 days before the charges are made.

If you are using your insurance, we'll always submit a claim to the insurance plan on file first, before charging you. Typically, once that claim is submitted, your insurance provider determines what amount they will cover and what amount you owe. If you're responsible for any payment, we'll let you know by email three calendar days before any charges.

It’s very important to make sure you select the correct insurance provider in your portal and that we have the most up-to-date insurance card for you on file. If we have the wrong insurance information, you'll pay the full session cost—an average of $85 per hour. Remember, the best way to avoid any surprises is to call the number on your insurance card before your therapy session.

I am covered under multiple insurances. How do I use more than one insurance policy to pay for therapy sessions?

SonderMind can bill multiple insurance plans for your session costs. To add insurance policies to your account within the client portal, follow the instructions below. If we need more information, we’ll contact you to make sure we get it right.

When matching with a therapist, you can indicate that you will pay with multiple insurances. We’ll ensure that you’re matched with a provider who takes all of your insurances. When initially making your SonderMind account, you’ll only be able to enter one of your insurances at that time. Once you’ve completed your account, you can add your other insurance(s) by navigating to your portal, clicking on the Account page, and selecting the Insurance tab.

We may reach out to ask you a few follow-up questions to better understand the order in which to bill your insurances. For example, which coverage is your primary insurance versus your secondary.

What is the billing process if I am using multiple insurances?

When using multiple insurances, you will not be charged a copay immediately. We will only charge you if there is a remaining balance after we have heard back from all of your insurances. This usually takes between 30-60 days but could fall outside of that range, depending on coordination of benefits or processing delays.

We’ll bill your primary insurance first. Once your primary insurance has processed your claim and responded to us, we’ll then bill your secondary insurance. Any other insurances you have on file will be billed after your secondary insurance’s response.

After all of your insurances have reviewed and processed the claim, we’ll bill you for any remaining balance from your session. Don’t worry, we’ll send you an email four days before we charge your card on file.
If you have any questions about your claims or bills, contact our support team by email or give us a call at 844-THERAPY.

Does SonderMind accept Medicare or Medicaid?

We accept Medicare and Medicare multipayor in select states. To learn more visit here. We are not in-network with Medicaid. If you have more than one insurance plan, call each insurance carrier to confirm we are in-network with your primary and supplemental plans.

Connect with a licensed therapist who’s in-network with Oscar and is available for online or in-person sessions.