PMC Psychedelic operates out-of-network with most PPO insurance plans. For many patients, this means little to no out-of-pocket cost for Spravato. We verify your coverage before your first visit, at no charge.
Most medical providers are in-network with insurance companies. That means they've agreed to accept lower, contracted rates — and in return, your insurance may cover more of the cost upfront.
PMC Psychedelic is entirely out-of-network. We have no contracts with any insurance company. This is a deliberate choice — and for Spravato patients with strong PPO coverage, it often works to their advantage.
Out-of-network does not always mean better coverage. Some PPO plans have strong out-of-network benefits; others have weak ones. We verify exactly what your plan covers before recommending any treatment.
If you are not sure whether your plan is PPO or HMO, call the member services number on the back of your insurance card and ask.
Before your first appointment, our team contacts your insurance company directly to verify your out-of-network Spravato coverage. You will know what to expect before you commit to anything.
Use the "Check Your Insurance Coverage" form on this page. We need your insurance card details and a brief description of your situation.
Our team calls your insurance company and verifies your specific out-of-network benefits for Spravato treatment.
We contact you directly with a clear explanation of what your plan covers — including any out-of-pocket responsibility.
With full information in hand, you decide whether to move forward. No pressure. No commitment until you are ready.
Ketamine IV infusion is not covered by insurance for mental health indications. It is paid out of pocket. We do not publish pricing on our website — cost details are discussed directly during your consultation.
We do not offer payment plans, packages, or financing arrangements for Ketamine IV at this time. If insurance coverage is a priority, Spravato may be the more appropriate option for eligible patients.
Questions about whether Spravato or Ketamine IV is right for your situation? Request a consult and Dr. Rueda will walk you through both options.
If your insurer denies coverage, we discuss alternative options with you — including whether Ketamine IV may be appropriate, or whether a different insurance plan might provide better coverage. We will not proceed with Spravato if coverage is denied without discussing the implications with you first.
No referral is required. You can request a consult directly. We verify your insurance independently — no referral paperwork needed from your primary care provider.
Yes. When insurance pays an out-of-network claim, it typically shows up on your Explanation of Benefits (EOB) statement. If privacy is a concern, discuss this with our team — we can walk you through what to expect.
The initial consultation fee varies based on your insurance coverage. For patients with PPO insurance, the consultation is often covered. For patients without applicable insurance coverage, a flat consultation fee applies. This is discussed before your appointment is confirmed.
Submit your insurance information and our team will verify your out-of-network Spravato benefits and follow up with a clear answer — before you commit to anything.
PMC Psychedelic · Port Chester, NY · 914-928-2913