Oscar Healthcare for Mental Health and Primary Care
Mental Health Treatment Options
That Accept Oscar Insurance in
the Nashville, Tennessee Area
That Accept Oscar Insurance in
the Nashville, Tennessee Area
Freeman Health Partners provides various mental health services in Nashville, Tennessee, including primary care and dual diagnosis therapy programs. We’ll equip you with the support and personalized healthcare you need to achieve optimal wellness outcomes. If you’re wondering how to get Oscar insurance to pay for mental health therapy, you’re in the right place.
How much does mental health treatment cost with Oscar insurance? Gain answers to that and more. Freeman Health Partners accepts insurance from a broad range of providers. We pride ourselves on exceptional care that meets the needs of Nashville, Tennessee, residents and those residing in the surrounding areas. On this page, learn how your Oscar health insurance benefits can be leveraged to cover essential mental health treatment services.
Private Health Insurance Coverage for Mental Health Treatment and Therapy
In most cases, private health insurance plans provide coverage for mental health treatment and therapy. This financial support for mental health conditions, such as anxiety, depression, or behavioral disorders, helps reduce out-of-pocket costs for treatments like therapy sessions, medication, and hospitalization. Coverage is contingent on your specific policy and the insurer—the entity responsible for underwriting your risk.
This is why it is essential to review all your health insurance options and particular plan details. Private health insurance usually covers therapy, counseling, inpatient treatment, psychiatric services, outpatient services, and substance use disorder treatment. These services may have copays and deductibles similar to those for other medical issues and treatments. Exclusions will depend on your policy, and coverage may be limited to a specific healthcare provider network. Increased out-of-pocket costs, or potentially no coverage, might be a risk of utilizing out-of-network specialists or therapists.
In recent years, mental health coverage in the United States has improved as a result of the Mental Health Parity and Addition Equity Act (MHPAEA) of 2008, which required that substance use and mental health affliction services have to be covered to the same capacity as physical health services. Furthermore, most health plans subject to the 2010 Affordable Care Act (ACA) mandate include mental health services within your health insurance benefits.
Introduction to Oscar Insurance Provider and Behavioral Health Plans
Founded in 2012, Oscar Health is a technology-driven health insurance company that strives to remove the complexities of healthcare. Their mission is to simplify health insurance and increase clarity for its members. This is accomplished by using an online platform and a mobile app to administer Oscar healthcare plans, track medical expenses, access telemedicine services, or book appointments.
Oscar insurance includes behavioral health coverage in its plans as part of a coordinated care system. Behavioral health plans are policies created to support and improve emotional wellness and mental health. The health insurance provider collaborates with Optum Health to offer behavioral and mental health coverage for its members.
Some of Oscar Healthcare Insurance Brands, Products, and Services
Oscar Health offers an assortment of brands, products, and services to best meet the needs of individuals, families, and businesses. It prides itself on being a seamless, tech-driven approach to healthcare. For Oscar Health, it’s all about providing customized care.
Here are some of Oscar Health’s key brands, products, and services:
- Different Types of Health Insurance Plans: Oscar offers various health insurance plans, or “Obamacare” plans, with different coverage tiers, including bronze, silver, gold, and platinum plans.
- Senior Medicare Advantage Plans: These plans offer Medicare benefits and coverage for vision, hearing, dental, and prescription drugs to individuals 65+ and younger individuals with certain disabilities or conditions.
- Small Group Health Insurance: Oscar provides health insurance plans for small businesses that want to offer benefits to their employees.
- Oscar’s Technology Services: Oscar Health sets itself apart from competitors through the Oscar Health app, which allows 24/7 access to telemedicine. The company assigns members like you a personalized care team to assist you through your health and wellness journey, providing rewards such as Amazon gift cards for hitting daily step goals.
- Pharmacy Partnerships: Oscar collaborates with pharmacies to ensure you can afford medicine.
- Health Savings Accounts (HSAs): A savings account for medical expenses, similar to a retirement account but for healthcare. It works with HSA-eligible insurance plans, allowing you to contribute pre- or post-tax funds, which can be used to cover qualified medical costs.
Tennessee’s Most Visited Local Attractions and Landmarks
Tennessee is a breathtakingly beautiful place to visit. The Volunteer State is known for its natural wonders, charming culture, rich heritage, and no shortage of Southern hospitality. With so many attractions and landmarks, it’s hard to decide what to do first!
Hear the twangy echos of legendary country star Dolly Parton as you step into the Grand Ole Opry. Step back in time to the historic plantation of Andrew Jackson. Marvel at the art collections, exhibitions, and seasonal horticultural displays at the Cheekwood Botanical Garden and Museum of Art. Journey below the surface to see Ruby Falls, the tallest and deepest underground waterfall. Or roar into adventure at the Nashville Zoo at Grassmere.
Does Oscar Insurance Cover Mental Health Services Near Nashville, Tennessee?
Yes! Oscar Health does cover at least some of the cost of mental health services near Nashville, Tennessee. Coverage levels, however, will differ depending on individual health plans. By using Oscar Health, you can gain access to in-person care and virtual consultations for mental health services.
Be sure to check with Oscar or Freeman Health Partners to verify your coverage details. We can provide the necessary specifics without the long wait times or insurance jargon. To make informed decisions regarding your or a loved one’s mental health, dial (615) 879-3582 today.
Check Your Insurance Coverage Levels With Freeman Health Partners
At Freeman Health Partners, we understand the financial concerns that accompany the decision to seek mental health and primary care services. That’s why we’re committed to making our services as accessible as possible by accepting most major insurance providers in Tennessee. This includes Aetna, Carelon, Blue Cross Blue Shield, Cigna, and Humana.
Our goal is to ensure that everyone who needs our help can receive it, regardless of their insurance coverage. We encourage you to take the first step towards better mental health by filling out our online form. This will allow us to determine your health insurance coverage levels for mental health and primary care services. By understanding what services your insurance covers, you can start your journey with confidence, knowing that you have the financial support you need.
Check Your Insurance by Phone
Find out your health insurance coverage levels for by calling the number below.
Will Oscar Healthcare Reimburse Me for Seeing a Psychologist or Psychiatrist?
Oscar Healthcare may reimburse you for seeing a psychologist or psychiatrist, depending on your coverage and insurance plan. You are much more likely to receive reimbursement if you select a provider in the Oscar Health network. If you go outside of that network, be prepared for out-of-pocket costs.
Some plans charge a copay, a fixed amount paid for each visit to a mental health provider. Other plans require you to meet a deductible, which means that before an insurance company pays for claims, you have to pay a certain amount of money out-of-pocket. Once you reach your deductible, your coverage will kick in.
What’s the Difference Between a PPO and an HMO with Oscar Insurance?
The main differences between a PPO (Preferred Provider Organization) and an HMO (Health Maintenance Organization) with Oscar Insurance involve costs, flexibility, and how care is regulated. HMO plans require a Primary Care Physician (PCP). A referral is needed to see a specialist. PPO plans are more flexible, allowing you to see any specialist or doctor without a referral, even out-of-network.
For most people, affordable health plans are paramount. PPO plans typically have higher premiums, and out-of-pocket expenses can be more costly than those of HMO plans. For further details, don’t hesitate to reach out to Freeman Mental Health. We can provide valuable information regarding your PPO or HMO plan and how your benefits apply to the treatment you’re seeking.
What Plans and Programs Does Oscar Insurance Have for Mental Health Coverage?
Oscar Insurance offers a range of programs and plans that provide mental health coverage. Individual and customized health plans allow you to pick the tier that best suits your needs (Bronze, Silver, Gold, etc.). Each policy provides different coverage and has varying deductibles and copays.
Oscar Health benefits include preventative care, and many of these services are available at zero cost to you. Screening services are critical for early recognition and intervention. Oscar also covers an assortment of mental health services, such as rehabilitation and inpatient and outpatient psychotherapy. By partnering with Optum Behavioral Health, Oscar allows members to use a network of mental health providers, including virtual doctor visits. These are essential for individuals with trouble making in-person appointments. Furthermore, Oscar Insurance has crafted plans specifically for families, ensuring that mental health resources are accessible for adults and children.
Does Oscar Insurance Cover Therapy and Treatment for Mental Health in Tennessee?
Yes, Oscar Heath insurance commonly provides medical coverage for mental health therapies and treatments in Tennessee. Coverage specifics usually vary based on many factors, including the state where you will be receiving care and the type of plan you have. It’s always best to reach out to Oscar Health customer service to check the details of your plan.
Alternatively, you can reach out to Freeman Health Partners for streamlined assistance. We can provide insurance coverage details as they apply to your mental health treatment needs. Under the Affordable Care Act (ACA), Oscar Health plans are required to cover mental health assistance, including psychiatric care, teletherapy services, substance abuse treatment, different forms (individual, family, or group) of therapy with a licensed mental health practitioner, and inpatient and outpatient services.
Does Oscar Healthcare Cover Dual-Diagnosis Treatments in Middle Tennessee?
In most cases, Oscar Health insurance covers dual-diagnosis treatments in Middle Tennessee. Dual-diagnosis treatments, which handle both mental health conditions and substance use disorders concurrently, are vital for recovery. Addressing both conditions at the same time commonly results in better patient outcomes.
Oscar Health typically covers therapies and treatments that focus on both addiction and mental health recuperation. For example, Cognitive Behavioral Therapy (CBT), a form of psychotherapy that centers on the connection between behaviors, thoughts, and feelings and reverses obstructive thought patterns, is usually covered. At Freeman Health Partners, our treatment center in Middle Tennessee offers dual-diagnosis care, and we accept Oscar insurance.
Freeman Health Partners Mental Health Treatment Center Locations with Oscar Insurance Coverage
Freeman Health Partners has a treatment facility near Nashville, Tennessee, that accepts Oscar Health insurance. Our main location in Dickson is dedicated to the mental health needs of Tennessee residents. Dial (615) 879-3582 today to get a free mental health assessment and explore the treatments available for mental health conditions at Freeman Mental Health Programs.
Oscar Healthcare Insurance-Covered Mental Health Therapy in Dickson, TN
Freeman Health Partners treatment center in Dickson, Tennessee, offers various treatment programs, such as Intensive Outpatient Programs (IOPs), Partial Hospitalization Programs (PHPs), and outpatient therapy. Oscar insurance provides coverage for many of the mental health and substance abuse therapies, treatments, and programs at this Freeman Health Partners location.
- Address: 222 State Street, Dickson, TN 37055
Check Your Oscar Healthcare Today!
Find out your health insurance coverage levels for by calling the number below.
What Treatments Do Freeman Health Partners Offer That Oscar Healthcare Covers?
Freeman Health Partners has a wide assortment of treatments that Oscar Healthcare covers, including mental health care, primary care services, and chronic disease management. Your plan will determine what type of coverage is available. To verify your specific coverage, contact us at Freeman Health Partners directly.
Primary Care Services with Oscar Coverage
Oscar Health provides primary care services under its health insurance plans, helping you address a wide variety of issues. Its integrated, holistic care provides access to low copays and prioritizes virtual care. Chronic disease management includes services for those suffering from chronic conditions like hypertension, diabetes, and asthma.
Oscar Health primary care services also include preventative care such as vaccinations, screenings, and annual check-ups. Medical coverage for acute care visits, which treat common illnesses like sinus infections, the flu, and colds, is also integral to primary care services.
Mental Health Therapy and Treatment with Oscar Coverage
Oscar Health provides coverage for mental health treatments and therapies as part of its health plans. The coverage of Oscar Health Plans typically consists of an assortment of services specifically targeting patients like you who may be dealing with mental health issues like anxiety, depression, stress, and more.
Typically, Oscar Health insurance gives access to substance use disorder treatment, individual and group therapy, psychiatric care, and telehealth options from the comfort of home. Oscar Health usually provides prescription coverage for anti-anxiety medication, prescriptions, antidepressants, and other medications for mental health ailments. They even offer wellness programs that emphasize mindfulness exercises, stress management, and the use of mental health apps to preserve personal health in between therapy sessions. As usual, coverage is contingent on your specific plan, so you may have copays, coinsurance, and deductibles.
Dual Diagnosis Treatment and Therapy with Oscar Coverage
Dual diagnosis treatment and therapy address both mental health disorders and substance use issues at the same time. If you’re struggling with conditions like depression or anxiety along with substance abuse, dual diagnosis treatment is designed to provide comprehensive care for both. This integrated approach helps to improve overall well-being.
With Oscar Health, coverage typically includes treatment for dual diagnosis. This means your plan can help with the cost of therapy, counseling, and medical services needed to support your or your loved one’s recovery. It’s important to review your specific policy to understand what’s covered and how to access the necessary care.
Can You Seek Mental Health Support Without Oscar Healthcare Coverage in Middle Tennessee?
You can seek mental health support without insurance in Middle Tennessee. You have a few options that can help you receive the care you need, including telehealth services, nonprofit organizations offering options at a lower cost, sliding-scale clinics, and community health centers.
We’re often asked, “Can you go to therapy without insurance?” and are dedicated to ensuring the answer is always yes. We encourage you to call (615) 879-3582 to speak with a knowledgeable Freeman Health Partners associate who can guide you in finding financial support for your mental health needs.
What Behavioral Health Diagnoses Does Oscar Insurance Offer Coverage for in Middle Tennessee?
Oscar insurance covers a wide assortment of behavioral health issues in Middle Tennessee. While this is not an exhaustive list, coverage includes anxiety disorders, depression, ADHD, mood disorders, bipolar disorders, Obsessive Compulsive Disorder (OCD), and Post Traumatic Stress Disorder (PTSD). Contact Freeman Health Partners for details related to specific diagnoses not listed here.
Anxiety Disorders
Anxiety disorders cause an excessive amount of persistent fear and worry. They can drastically interfere with your daily life by crippling you with symptoms including trouble concentrating, feeling constantly restless, muscle tension, irritability, sweating, nausea, rapid heartbeat, fatigue, and difficulty sleeping. The causes of anxiety disorders range from genetics and environmental stress to brain chemistry and personality. Sometimes, chronic health conditions can also be contributing factors.
Depression
Depression is identified by constant feelings of hopelessness, sadness, and an overall lack of interest. It impacts behavior, thoughts, and overall wellness. Depression comes with physical, emotional, and social symptoms. Physical symptoms can include body aches and pains, fatigue, changes in sleep patterns, and appetite changes. Emotional symptoms involve irritability, anxiety, sadness that feels insurmountable, and hopelessness. Socially, depression can cause withdrawal, avoidance behaviors, and a lack of interest.
ADHD
Attention Deficit Hyperactivity Disorder (ADHD) is distinguished by symptoms of impulsivity, hyperactivity, and the tendency to be easily distracted. There are three types of ADHD: Predominantly inattentive presentation, predominantly hyperactive-impulse presentation, and combined presentation. Experts believe that a combination of neurological, environmental, and genetic factors causes ADHD. Typically, it is treated through medication, lifestyle changes, and behavioral therapy.
Mood Disorders
Mood disorders impact emotional state, causing a considerable difference in energy, mood, and completing day-to-day activities. The most common mood disorders are Major Depressive Disorder (MDD), bipolar disorder, Seasonal Affective Disorder (SAD), persistent depressive disorder (dysthymia), and Premenstrual Dysphoric Disorder (PMDD). Treatment for mood disorders can include medications, support groups, lifestyle changes, and psychotherapy.
Bipolar Disorder
Bipolar disorder causes considerable mood fluctuations ranging from emotional lows (depression) to highs (mania or hypomania). There are three types of bipolar disorders: Bipolar I disorder, bipolar II disorder, and cyclothymic disorder. The root cause of bipolar disorders is currently unknown; however, it is believed that it could be the result of a blend of biochemical, environmental, and genetic factors. You could also be more at risk if there is a family history. Treatment can include medications, alterations to one’s lifestyle, and psychotherapy.
Obsessive Compulsive Disorder (OCD)
Obsessive Compulsive Disorder (OCD) is a chronic condition that causes intrusive thoughts, obsessive behavior, and compulsions, which are difficult to regulate and control. Individuals dealing with OCD usually feel compelled to repeat behaviors, follow unique sets of rules, or place items in a particular order. Treatment for OCD includes support groups, medications, and Cognitive Behavioral Therapy (CBT).
Post Traumatic Stress Disorder (PTSD)
Post Traumatic Stress Disorder (PTSD) can occur in the aftermath of facing tremendous shock, suffering, or unimaginable stress. For example, witnessing the unexpected death of a loved one, war veterans, and those who have survived sexual assault, natural disasters, or accidents are at risk for developing PTSD. Symptoms can include recurring flashbacks of the event, avoiding anything that might trigger those intrusive thoughts, being hyper-alert, having a negative mindset, or being in a depressed state. Treatment plans can consist of medication, support groups, psychotherapy, and focusing on self-care.
What Does Therapy or Counseling Cost Without Oscar Healthcare Coverage?
The cost of counseling or therapy without healthcare coverage, like Oscar Health, ranges from $25 to $500 per appointment. The price depends on various factors, including the type of therapy provided, the therapist’s location, the session length, and the therapist’s credentials.
Regarding location, larger cities like Los Angeles and New York tend to have higher costs ($150 to $300 per session) than rural regions ($75 to $150 per session). The more qualified a therapist is, the more money you will spend. Licensed Mental Health Counselors (LMHC) and Licensed Clinical Social Workers (LCSW) usually charge between $75 to $150 for each session. Licensed Clinical Psychologists (PhD, PsyD) typically cost around $100 to $250 per session. If you’re looking for the most cost-effective option, contact Freeman Health Partners for a personalized estimate of your therapy and counseling costs.
What Mental Health and Primary Care Programs Have Coverage by Oscar Healthcare Near Nashville, Tennessee?
The Oscar Health network covers a range of mental health and primary care services in the Nashville, Tennessee, area, including those briefly outlined below. The level of coverage will depend on your plan. If you have any questions, don’t hesitate to contact Freeman Health Partners.
Oscar Insurance-Covered Medication Assisted Treatment (MAT)
Medication Assisted Treatment (MAT) combines the use of FDA-approved medications with counseling and therapy to support individuals dealing with mental health issues, such as severe anxiety or depression. The medications help stabilize mood and manage symptoms, making it easier for you to engage in therapy and work toward recovery.
Oscar Health typically covers MAT. This means that your plan can help with the costs of prescribed medications and therapy sessions, providing a comprehensive approach to mental health care. Be sure to check your specific policy for details on coverage and how to access MAT services.
Oscar Insurance-Supported Psychiatric Services: CBT, DBT, and Holistic Therapy Programs
Oscar Insurance typically covers various psychiatric services, including Cognitive Behavioral Therapy (CBT), Dialectical Behavior Therapy (DBT), and holistic therapy programs. For the most up-to-date details on coverage, contact Oscar Insurance, as services will differ depending on your plan.
CBT revolves around altering negative thoughts and patterns. This form of therapy explicitly assists those who have PTSD, anxiety, depression, and more. DBT focuses on tolerating discomfort, successful communication within relationships, and the ability to regulate emotions. This type of therapy is often used to assist with personality and mood disorders. Holistic therapy programs are comprised of alternative methods that focus on the mind, body, and spirit, like acupuncture, yoga, and mindfulness meditation.
Family Practice in Middle Tennessee Covered by Oscar Insurance
Family practice focuses on comprehensive care for individuals of all ages, addressing physical and mental well-being. Family practice physicians are trained to treat a wide range of health issues, from routine check-ups and preventative care to managing chronic conditions and mental health concerns like anxiety and depression.
Oscar Health typically covers family practice services, making accessing the care you need easier for you and your loved ones. With this coverage, you can seek help from a family practice provider like Freeman Health Partners for mental health and primary care services without worrying about high out-of-pocket costs. Be sure to review your specific policy to understand what services are included.
Counseling and Therapy Programs Covered by Oscar
Oscar Health benefits include various counseling and therapy programs within their insurance plans. These may include services like group and individual therapy and inpatient mental health care. In many circumstances, if these treatments are medically necessary, Oscar even covers specialized therapy approaches like Acceptance and Commitment Therapy (ACT), Cognitive Behavioral Therapy (CBT), and Dialectical Behavior Therapy (DBT).
Additionally, Oscar provides coverage for online therapy sessions. Virtual doctor visits are crucial if you struggle to attend in-person appointments. Your coverage, copays, and deductibles depend on your health insurance enrollment and specific policy.
Primary Care Programs with Oscar Coverage in Dickson, Tennessee
Oscar Health Insurance covers several primary care programs in Dickson, Tennessee. Freeman Health Partners is an inclusive and ideal alternative that accepts Oscar Insurance. Depending on your location and plan, Oscar even offers various virtual primary care resources, including virtual routine check-ups and consultations that won’t cost you a dime.
If you’re unsure of your policy details, use Oscar’s innovative health insurance technology to confirm your coverage or contact the helpful representatives at Freeman Primary Care.
Transcranial Magnetic Stimulation (TMS) Programs Covered by Oscar Insurance
Transcranial Magnetic Stimulation (TMS) is a non-invasive treatment option for individuals struggling with mental health conditions, particularly treatment-resistant depression. This innovative therapy uses magnetic fields to stimulate nerve cells in the brain, which can help improve mood and alleviate symptoms when traditional treatments, like medication and therapy, have not been effective.
Oscar Health typically covers TMS programs, making it more accessible for you and your loved ones to receive this cutting-edge treatment. With coverage in place, you can focus on getting the help you need without the burden of significant out-of-pocket expenses. Be sure to check your specific policy for details on coverage and how to access TMS therapy for mental health support.
How Much Do Psychiatric Services or Therapy Cost with Oscar Insurance Support Near Nashville, Tennessee?
Most mental health therapy sessions in Nashville, Tennessee, that Oscar Health covers cost approximately $100 to $250 per visit. Most of this is covered but may require a copay that averages between $20 and $60. An initial psychiatric evaluation can range from $200 to $500. Services specializing in medication administration typically cost between $100 and $250 per appointment.
Even though Oscar insurance generally covers mental health care and therapy, your coverage will be contingent on your Oscar Health plan. Depending on your policy, you may have copays and deductibles. Contact us to discuss potential out-of-pocket costs associated with your particular policy.
How Much Do Primary Care Services Cost with Oscar Insurance Coverage Near Nashville, Tennessee?
The price of primary care services covered by Oscar Health near Nashville, Tennessee, differs based on your policy. Copays for routine primary care visits usually range from $30 to $60. At the same time, maximum out-of-pocket costs for Oscar Health plans can be as high as $9,450 for individuals and $18,900 for families.
Virtual doctor visits, though, are the most affordable option within Oscar Health plans. Telemedicine appointments are $0 for both mental and medical care. For more information, contact Freeman Primary Care to understand your exact coverage.
How To Check My Oscar Healthcare Coverage for Primary and Mental Health Services at Freeman Health Partners
You have a few options to check your Oscar Health coverage for mental health and primary services at Freeman Health Partners. You can call us at (615) 879-3582, or you are welcome to complete our convenient insurance verification form. After you input the requested information, a helpful representative will be in touch to review your Oscar healthcare coverage details.
We will review details, such as your copays for various services, deductibles, prior authorization requirements, and more. This is also a fantastic opportunity to learn about our admissions process and ask any lingering questions you may have, such as “How long does Oscar insurance pay for mental health treatment? Contact us today!
Check Your Insurance by Phone
Find out your health insurance coverage levels for by calling the number below.
Info and Statistics on Mental Health and Insurance Claims in Tennessee
- In 2021, more than 11% of Tennesseans were uninsured. Among those who do have insurance, residents of Tennessee are more than six times as likely to be pushed out of their network for mental health care compared to primary health care.
- The Sycamore Institute reports that between 2021 and 2022, Tennessee’s overall uninsured rate decreased, affecting most demographic and socioeconomic groups. However, men, Hispanics, younger adults, the unemployed, and individuals with lower levels of education and income are still the most likely to be uninsured in the state.
- According to the Department of Mental Health and Substance Abuse Services, over 160,000 Tennesseans receive behavioral health services covered by public providers, including TennCare and Medicare.
- According to the Tennessee Department of Mental Health and Substance Abuse Services (TDMHSAS), 32,390 people in 2023 were given support for mental health services.
- The NAMI Mental Health in Tennessee Fact Sheet states that 937,000 adults have a mental health condition, which is more than five times the population of Knoxville.
- According to the Tennessee Health Disparities Task Force, Tennessee is among the states with the highest rates of Adverse Childhood Experiences (ACEs), ranking 44th in the nation.
- In 2019, the Metro Public Health Department of Nashville and Davidson County shared that 15.4 adults stated their mental health was not good for 14 or more days in the past 30 days of that year.