Insurance coverage
Health Savings Account / Flexible Spending Account
The IRS has ruled that medically-supervised ketamine treatment (infusion, IM or oral) for a diagnosed condition qualifies as an eligible medical expense - so you can pay with pre-tax HSA or FSA dollars. Spravato copays and coinsurance are obviously eligible. Psilocybin services are not eligible because psilocybin is federally illegal regardless of state program status.
Coverage at a glance
| Modality | Status |
|---|---|
| Spravato (esketamine) | Covered |
| Ketamine IV infusion | Covered |
| Ketamine IM injection | Covered |
| Ketamine oral/lozenge | Covered |
| Psilocybin (Oregon licensed) | Not covered |
| Psilocybin (Colorado licensed) | Not covered |
What the plan requires
- Documented diagnosis from licensed prescriber (Letter of Medical Necessity).
- Use your HSA/FSA card or pay out of pocket and file for reimbursement.
Practical tips
- Ask your clinic for an itemized superbill with ICD-10 and CPT codes - this is what substantiates the expense.
- HSA accounts roll over year to year; FSA accounts do not (use-it-or-lose-it).
Providers accepting HSA / FSA
Always confirm in-network status with both the clinic and your plan before your first session.
Adamas Health
Denver, CO
Micro-healing center license - smaller-capacity intimate sessions. Medical director is a practicing psychiatrist; all clients complete a medical screen before dosing.
Nushama
New York, NY
Madison Avenue ketamine clinic with a journey-based, therapeutic model. Six-session protocol includes preparation and integration therapy with licensed clinicians.
MY Self Wellness
Bonita Springs, FL
Southwest Florida ketamine clinic with integrated psychotherapy. Offers group integration circles and a veterans' program at reduced rates.
Explorers Institute
Los Angeles, CA
Mid-Wilshire ketamine-assisted psychotherapy clinic. Anesthesiologist on site for IV infusions, licensed psychologist for integration. Six- and twelve-session packages available.
Palm Beach Ketamine Clinic
West Palm Beach, FL
Physician-led IV ketamine clinic. Board-certified anesthesiologist administers all infusions. Dedicated programs for first responders and healthcare workers.
Reset Ketamine
Palm Springs, CA
Desert-area IV ketamine clinic founded by an emergency physician. Small boutique practice, single practitioner model. 100-minute sessions include rest and integration.
Klarisana
San Antonio, TX
Multi-location ketamine practice (San Antonio, Denver, New Orleans) founded by a military physician. Active Tricare billing for eligible veterans. PTSD is their specialization.
Field Trip Health & Wellness - Seattle
Seattle, WA
Ketamine-assisted psychotherapy with licensed therapist integration. Six-session standard protocol. Part of a public-market network with 10+ US clinics.
Heroic Hearts Atlanta
Atlanta, GA
Atlanta ketamine practice focused on veterans and first responders. Tricare billing available. Scholarship fund covers a portion of sessions for qualifying candidates.
Phoenix Ketamine Treatment
Scottsdale, AZ
Scottsdale IV ketamine clinic. Boutique 4-bay suite. Partners with local therapists for integration sessions post-infusion at a negotiated rate.
Sanare Healing
Minneapolis, MN
Downtown Minneapolis ketamine-assisted psychotherapy. Two-provider model with psychiatrist and licensed therapist for every session. 90-minute protocol.