Understanding the financial investment for Ketamine-Assisted Psychotherapy (KAP) is an important part of planning your mental health care journey. At Journey Clinical, we want to make sure cost is never a barrier to getting the information you need to make an informed decision.
This guide covers everything in one place, from insurance coverage and payment timing to affordability options and a personalized cost calculator.
How is KAP priced?
KAP at Journey Clinical involves two separate cost categories: medical costs paid to Journey Clinical and therapy costs paid directly to your therapist. These are billed independently. Understanding this distinction upfront is the clearest way to understand what you will pay and when.
Does Journey Clinical accept my insurance?
Journey Clinical is in network with many major insurance plans. In-network coverage applies to your medical appointments with our providers. Coverage depends on your state of residence.
Aetna Available in: California, Colorado, Connecticut, Florida, Illinois, Massachusetts, Minnesota, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington, Wisconsin
Anthem Available in: California, Colorado, Connecticut
Blue Cross Blue Shield (some plan names vary by state)
- California: Blue Shield of California
- Florida: Florida Blue
- Illinois: Blue Cross and Blue Shield of Illinois
- Massachusetts: Blue Cross Blue Shield of Massachusetts
- Texas: Blue Cross and Blue Shield of Texas
Cigna (Evernorth) Available in: California, Colorado, Connecticut, Florida, Illinois, Maryland, Massachusetts, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington
Enthea Available in: Connecticut, Indiana, Massachusetts, Maryland, Nevada, Illinois, Ohio, Oregon, Pennsylvania, Washington, Wisconsin
Harvard Pilgrim Health Care (Point32) Available in: Massachusetts
Moda Health Available in: Oregon
Tufts Health Plan (Point32) Available in: Massachusetts
UnitedHealthcare / Optum / UMR Available in: California, Colorado, Connecticut, Florida, Maryland, Massachusetts, Minnesota, New York, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Virginia, Washington
We are committed to expanding access to mental health care. Check back here for the latest additions to our coverage.
To confirm whether we are in network with your specific plan, create or log into your patient portal and add your insurance information. Our team will run a benefits check and provide you with a clear cost breakdown before you commit to anything.
Coverage varies by state. To confirm whether we are in network with your specific plan, create or log into your patient portal and add your insurance information. Our team will run a benefits check and provide you with a clear cost breakdown before you commit to anything. Add your insurance and check your coverage here.
What does the full cost of KAP look like? Estimate your total cost:
See how KAP compares to other ketamine treatment options in terms of cost, psychotherapy, and insurance coverage.
.png)
* KAP monthly estimate based on a full 8-session course of treatment over approximately 5 months, including estimated insurance coverage and average therapist rates. Individual costs may vary based on your insurance plan, therapist rate, and treatment length.
Use our pricing calculator to get a personalized monthly and total cost estimate based on your insurance coverage, therapist rate, and program length.
Explore the KAP Pricing Calculator
The calculator lets you:
- Select your program length (2 or 8 dosing sessions)
- Adjust your expected therapist hourly rate
- Toggle insurance on or off
- Enter your copay or coinsurance to see your estimated out of pocket costs
The full 8 dosing session course of treatment is typically $392 per month for 5 months, based on estimated insurance coverage and therapy costs.
What If My Insurance Is Not In Network?
If Journey Clinical is not in network with your plan, you may still have out of network benefits that can help cover a portion of your medical appointment costs. Many patients receive 60 to 80% reimbursement for the costs of their medical appointments. Additionally, we can still match you with a therapist who accepts your insurance, even if you are not in network for our medical appointments.
Create your portal and add your insurance information here.
A Closer Look: Full Cost Breakdown
For patients who want a more detailed understanding of exactly what they will pay and when, here is the complete breakdown.
Part 1: Journey Clinical Medical Costs
Journey Clinical bills you for two things: your medical appointments with our providers and your ketamine medication.
When Do You Pay?
Payments are made at two points in your treatment:
First Payment: At scheduling your intake appointment
Your first payment covers your 1-hour medical intake evaluation and your first two doses of ketamine medication.
- Self pay: $362
- With insurance: $112 for non-covered services (including medication), plus any applicable copay, coinsurance, or deductible for your intake appointment
Second Payment: At scheduling your follow-up appointment
Your second payment covers your 30-minute follow-up medical appointment and six additional doses of ketamine medication, bringing you to a full course of 8 dosing sessions.
- Self pay: $358
- With insurance: $208 for non-covered services (medication), plus any applicable copay, coinsurance, or deductible for your follow-up appointment
Important note: Medication, such as ketamine, is considered a non-covered service regardless of insurance plan. Your insurance coverage applies to the medical appointment portion of your care.
Part 2: Therapy Costs
Every Journey Clinical patient works with a licensed, KAP-trained therapist throughout their treatment. Therapy costs are paid directly to your therapist and are completely separate from what you pay Journey Clinical.
Therapy sessions include:
- Preparation sessions before dosing
- Support during dosing sessions
- Integration sessions after each dose
Preparation and integration sessions typically last 1 hour and are fully eligible for insurance coverage. Dosing sessions typically last 2 hours, with 1 hour paid out of pocket for supervision and one hour eligible for insurance coverage as therapeutic support.
Therapy costs vary based on your therapist's hourly rate and your insurance benefits. We can match you with a therapist who accepts your insurance, which can significantly reduce this portion of your overall cost.
Affordability Options
We are committed to making KAP as accessible as possible. If cost is a concern, here are the options available to you:
Sliding Scale Rates
A limited number of sliding scale rates are available to patients who otherwise would not be able to afford the cost of treatment. Eligibility is typically based on receiving a sliding scale rate from your therapist as well. If you are interested in applying, please email patient-support@journey.clinic.
HSA and FSA
Both Health Savings Accounts and Flexible Spending Accounts can be used to pay for Journey Clinical medical appointments and therapy sessions.
Out of Network Reimbursement
Even if we are not in network with your plan, partial reimbursement may be available through your out of network benefits. You can add your insurance information to your patient portal and email patient-experience@journey.clinic to receive a full overview of your coverage.
Psycholytic (Low-Dose) Sessions
Psycholytic dosing sessions typically last 1.5 to 2 hours compared to 2 to 3 hours for standard dosing, due to lower ketamine doses. This can be a more cost-effective option for some patients. Bring this up with your therapist or Journey Clinical provider during your intake to see if it is the right fit.
Group KAP Sessions
Group dosing sessions, available in person or virtually, allow you to join with other KAP clients and share the cost of therapeutic support. You can discuss this with your therapist or indicate your interest in group sessions when getting matched.
Ready to check your coverage?
The fastest way to get an accurate cost estimate is to create your patient portal and add your insurance information. Our team will run a benefits check and get back to you with a personalized breakdown.
Create or Log Into Your Patient Portal
Frequently Asked Questions
Does the medication cost change with insurance? Medication is a non-covered service, meaning it falls under the category of digital tools, on-demand services, and some prescription medications such as ketamine. It is priced the same regardless of your insurance plan. Your insurance coverage applies to the medical appointment portion of your care.
Can I use my HSA or FSA to pay for treatment? Yes. Both medical appointments and therapy sessions are eligible expenses for HSA and FSA accounts.
Do I need to pay for the full course of treatment upfront? No. Payments are made in two stages. Your first payment is due when you schedule your intake appointment, and your second payment is due when you schedule your follow-up appointment. Payments for therapy sessions are paid directly to your selected therapist.
What if I am not eligible for treatment after my intake appointment? If our medical team determines you are not eligible for KAP for any reason, you will receive a full refund.
Will my costs go toward my deductible? Yes, your medical appointment costs typically apply toward your deductible depending on how your plan is structured.
Do you accept Medicare or Medicaid? At this time, Journey Clinical does not accept Medicare or Medicaid for clinician visits. This includes Medicare Advantage and Medicaid plans managed by commercial insurance providers (for example, Medi-Cal is not accepted). However, we do support out of network benefits, and you may be eligible for reimbursement depending on your plan. For therapy sessions, some licensed therapists in our network may accept Medicare or Medicaid directly. If you do not currently have a therapist, we can help match you with one who does.
How quickly can I get started? Most patients are able to schedule their intake appointment within the same week of completing their patient portal setup.
Determine Your Eligibility for Ketamine-Assisted Psychotherapy
If you are ready to take the next step, create your patient portal to add your insurance information, complete your intake forms, and schedule your first appointment with our medical team.