Insurance and Financing for Ketamine Therapy and Mental Health Care
We work with insurance, offer self-pay options, and partner with CareCredit so you can pay for care over time. We'll walk you through your options clearly, at the right time in your care journey.
A note on timing
Insurance and financing details are reviewed after your clinical consultation and treatment approval, so you have a clear picture of what's recommended before we talk costs. No surprises.
Accepted Insurance Plans
We're in-network with select insurance plans. Coverage applies to Psychotherapy and Spravato® services and varies by plan, diagnosis, and location. Benefits are reviewed after your initial treatment consultation.
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Hover to pause · Coverage varies by plan and location.
Your Care & Coverage Journey
Clinical needs come first. Financial clarity follows once we know what's right for you.
Reach Out & Share Your Information
When you call or book a consultation, we'll ask for your basic contact details and insurance information so we're ready to help from the start.
Your name, contact info, and insurance card. We'll handle the rest.
Your New Patient Consultation & Clinical Evaluation
A focused consultation with one of our providers. We review your history, discuss your goals, and determine which treatment approach is the right fit, before any costs are discussed.
The consultation itself may be covered by your insurance. We'll confirm when you book.
Provider Approval & Coverage Review
Once your provider approves a treatment plan, we sit down with you to review your insurance coverage and all available payment options, without pressure.
You'll get a straightforward breakdown of what your plan may cover, what costs you may owe, and how CareCredit or self-pay options can help fill any gaps.
Self-pay rates, HSA/FSA, and CareCredit financing are always available if insurance falls short.
You Decide How to Move Forward
With a clinical plan and a clear financial picture in hand, you choose what's right for you. We're here to answer any remaining questions and help you take that next step with confidence.
Questions before you book?
Our care team is happy to walk you through the process over the phone, no commitment required.
Insurance, Self-Pay & Out-of-Network
Every plan is different. Here's a general overview of what to expect across common scenarios, and we'll get into the specifics after your evaluation.
What Insurance May Cover
- Initial psychiatric and medical evaluations
- Psychotherapy and integration sessions
- Spravato® (esketamine) for qualifying diagnoses
Note: Ketamine infusions, vitamin IV, and wellness services may be partially covered, out-of-network, or self-pay depending on your plan. We'll clarify this after your evaluation.
Out-of-Network & Superbills
If we're out-of-network with your plan, you may still have options.
- You may be able to use out-of-network benefits
- We can provide a superbill for potential reimbursement
- Reimbursement rates are determined by your carrier
Not sure if you have out-of-network benefits? Our team can help you ask the right questions when you call your insurance company.
Self-Pay, HSA & FSA
We never want finances to be a mystery. If you're paying out of pocket, we walk you through costs before you begin.
We accept:
- Major credit and debit cards
- HSA (Health Savings Account) cards
- FSA (Flexible Spending Account) cards
- CareCredit (see below)
CareCredit: Pay for Care Over Time
To make treatment more accessible, Valor proudly accepts CareCredit, a health and wellness credit card designed to help you pay for medical and mental health expenses over time.
Start treatment now, pay over time
Don't delay the care you need while sorting out finances.
Promotional financing options
6, 12, 18, or 24-month periods depending on current offers and approval.*
Check eligibility with no credit impact
Prequalify online in minutes before committing.
How to Apply
You can apply online in just a few minutes.
- Visit our CareCredit page or click the button below.
- Complete the secure online application.
- If approved, use your CareCredit account for eligible Valor services.
Questions about which services are eligible? Our team can walk you through that before you apply.
* Subject to credit approval. Minimum monthly payments required. See CareCredit.com for details.
We're Here to Answer Everything
Some plans may cover parts of your treatment, including evaluations, medication management, or Spravato. IV ketamine infusions are often out-of-network or self-pay. We'll review your benefits after your evaluation and tell you exactly what your plan is likely to cover.
Spravato® (esketamine) is FDA-approved for certain types of treatment-resistant depression, and many plans offer coverage when medical criteria are met. Coverage depends on your specific plan and prior authorization requirements. Our team will help coordinate the documentation.
In many cases, yes. HSA and FSA funds can often be used for eligible medical and mental health expenses. We recommend confirming your eligibility with your plan administrator if you have any questions.
CareCredit lets you prequalify online with no impact on your credit score. A full application and opening a line of credit may affect your credit, as with any credit card. Review CareCredit's terms and disclosures on their site for details.
You're not expected to figure this out alone. Our Client Care team is happy to talk through insurance, self-pay options, and financing questions so you can focus on what matters: getting better. Call us at 888-214-2144 any time.
Ready to Take the First Step?
Start with a consultation. We'll take care of the rest, including the financial conversation, once we know what's right for you.