Insurance / Oscar Health
Virtual IOP covered by Oscar Health
Intensive care from home, covered by Oscar.
Thrive is in network with Oscar Health for virtual intensive outpatient care in Arizona, Florida, Indiana, South Carolina and Texas. We check your Oscar benefits for free before you start, so you know what you’d pay.
Free benefits check
Authorization handled for you
Median 8 days to start
In network
Benefits checked. Your expected cost is ready to go over on your call.
Authorization approved
Where we take Oscar Health
In network in 5 states, and growing.
Covers Oscar Health plans, with behavioral health managed through Optum. Pick your state for local details.
AZ
Arizona
In network
CA
California
Ask about other options
FL
Florida
In network
IN
Indiana
In network
NC
North Carolina
Ask about other options
SC
South Carolina
In network
TX
Texas
In network
In-network status comes from our current contracts. Networks vary by plan, so we confirm yours before you start.
How it works
Starting care with Oscar Health, step by step.
1
Book a free call
Tell us your name and state, pick a time, and have your Oscar Health card handy. It takes about two minutes.
2
We verify your Oscar Health benefits
Before your call, admissions checks your deductible, copay or coinsurance and any authorization your plan needs, then walks you through it.
3
Start your program
A short clinical assessment confirms IOP is the right fit, and your first session is scheduled. Median 8 days from referral.
What your plan covers
What your Oscar Health-covered program includes.
Three hours a day, three to five days a week, live by secure video. The structure of a clinical program, while you keep living your life.
Curated groups
Small groups of people on similar paths, led by licensed clinicians.
Individual therapy
One-on-one time with your therapist every week to work on what matters most to you.
Family sessions
Loved ones join when it helps, to rebuild trust, communication and boundaries.
Skills you keep
DBT, CBT and mindfulness tools for real life, from emotional regulation to relapse prevention.
Aftercare plan
You leave with a plan for what comes next: therapy, groups or ongoing support.
Care coordination
We work with your Oscar Health plan, your other providers and your prescribers so nothing falls through the cracks.
Conditions we treat
Care for what you’re going through.
Oscar Health plans cover treatment for these conditions as part of their mental health benefits when IOP is the right level of care.
Anxiety disorders
Generalized anxiety, panic, social anxiety
Learn more →
Depression
Major and persistent depression
Learn more →
Mood disorders
Bipolar and other mood conditions
Learn more →
OCD
Obsessive-compulsive disorder
Learn more →
Trauma and PTSD
Trauma-informed care, including EMDR
Learn more →
8days
median from referral to first session
90%
session attendance across our programs
5states
in network with Oscar
Oscar Health questions
Oscar Health coverage, answered.
Still unsure? Our admissions team will check your Oscar Health plan for you, free. Call (561) 203-6085 or book a free call. Coverage varies by plan.
Does Oscar Health cover virtual IOP?
In most cases, yes. Oscar Health commercial plans generally cover intensive outpatient care as an outpatient mental health benefit, and most cover it the same way whether you attend in person or by secure video. What you pay depends on your plan, so we check your Oscar Health benefits for free before you start.
Which states is Thrive in network with Oscar Health?
Arizona, Florida, Indiana, South Carolina and Texas. In other states, call us and we will tell you honestly where things stand and check what other coverage you have.
What will I pay with Oscar Health?
It depends on your deductible, your copay or coinsurance for intensive outpatient care, and your out-of-pocket maximum. We check all three and give you the numbers before your first session.
Do I need prior authorization from Oscar Health?
Some Oscar Health plans require it for intensive outpatient care. Our admissions team requests and tracks it for you, so you do not need a referral from your primary care provider first.
How soon can I start with Oscar Health?
Most people start within about a week. The median time from referral to first session at Thrive is 8 days, and we move faster when we can.
Does Oscar Health cover treatment for depression?
Yes. Oscar Health plans cover depression treatment as part of their mental health benefits. Intensive outpatient care is covered when it is the right level of care, which our clinicians confirm in a short assessment.
Does Oscar Health cover treatment for anxiety?
Yes. Oscar Health plans cover treatment for anxiety disorders, including panic disorder and social anxiety, as part of their mental health benefits.
Does Oscar Health cover trauma and PTSD treatment?
Yes. Oscar Health plans cover treatment for PTSD and trauma-related conditions. Our program is trauma-informed and includes EMDR where it fits your plan of care.
Do you accept Oscar Health Medicare or Medicaid plans?
Not at this time. Thrive accepts Oscar Health commercial plans only. If you have a Medicare or Medicaid plan, our admissions team can point you toward programs that accept it.
Other plans we work with
