Mindbloom Insurance: How Superbill Reimbursement Works

• Mindbloom does not accept or bill insurance, Medicaid or Medicare. You pay the full $1,290 price for six sessions up front.
• After each clinician video call, Mindbloom issues a superbill with two consult codes. It estimates up to $650 back on the six-session program and up to $1,150 on the 18-session program. The medication and treatment sessions are never claimable.
• Aetna, UnitedHealthcare, Anthem, Cigna and a BCBS plan all classify ketamine for depression as experimental or unproven. UnitedHealthcare calls Spravato proven for treatment-resistant depression, while Cigna covers it with prior authorization. Your plan still decides whether it will reimburse the consult codes.

Mindbloom leaves you with one practical insurance question: will your plan reimburse two out-of-network clinician visits after you pay $1,290 up front? The superbill uses codes 99204 and 99214, and Mindbloom puts the six-session ceiling at $650. The ketamine and treatment sessions stay out of pocket. Your deductible, coinsurance and the insurer’s allowed amount can still bring the payout down to $0. See Mindbloom’s program prices before you count on reimbursement.

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Does Mindbloom take insurance?

No. An April 22, 2026 help center article describes Mindbloom as a cash-pay program that neither accepts nor bills insurance. It specifically names Blue Cross Blue Shield (BCBS), Aetna, Cigna, UnitedHealthcare (UHC), Kaiser, Anthem, and others.¹ Mindbloom is not in network with any insurer in any state.

Mindbloom says it stays outside insurance networks because ketamine therapy for mental health is prescribed off label, and reimbursement is inconsistent and frequently denied. Its cost hub also says this approach lets the company keep its pricing accessible.²

The pricing page still advertises savings of up to $1,150 through reimbursement and shows five insurer logos: Anthem, UnitedHealthcare, Cigna, Kaiser Permanente and Elevance Health. It says the offer applies to those insurers and many more, with a footnote making reimbursement subject to the insurance provider’s approval. Elevance owns Anthem, so two of the logos represent one company. Kaiser says its HMO plans cover in-network care only, leaving a Kaiser HMO member with no out-of-network benefit to use.³

Is Mindbloom covered by insurance?

Only the clinician consults may qualify for partial out-of-network reimbursement, and you file the claim after paying Mindbloom. The company’s guide says insurers reimburse appointments and almost never the medicine. Visits with a prescriber or therapist are the part a plan may pay for. The ketamine itself and the time spent in treatment sessions are not claimable.²

What the superbill contains

A superbill becomes available after each completed clinician video consult. Mindbloom’s help center says it covers clinician video consults and includes a CPT code and billing code. Guide appointments, treatment sessions and medication management are excluded.⁴ The two listed codes are 99204, a 45-minute initial consult, and 99214, a 25-minute medication management visit.

Mindbloom estimates up to $400 for 99204 and up to $250 for 99214. Two consults in the six-session program add up to the $650 ceiling. Four consults in the 18-session program add up to $1,150: $400 plus three visits at $250 each. Mindbloom does not spell out that calculation, but it matches both published figures exactly.

How much of the price is claimable

Prices and consult counts come from Mindbloom’s pricing page as of September 5, 2026. The ceilings are Mindbloom’s estimates of the most a plan might allow.

For the six-session program, the remaining $640 is never claimable. Refunded sessions do not generate a superbill. Mindbloom’s guide makes the limit explicit: a superbill cannot produce reimbursement if your plan has no out-of-network mental health benefit, no matter how the claim is coded or submitted.²

What insurers say about ketamine for depression

The superbill lists the consults, along with a diagnosis code and the off-label ketamine context. Public insurer policies usually address the drug, not whether the plan will pay codes 99204 or 99214. The table shows the policies we found as of September 6, 2026.

Aetna’s clinical policy bulletin covers intramuscular, intranasal, intravenous, oral and subcutaneous ketamine. It classifies every route as experimental, investigational or unproven for depression.⁵ UnitedHealthcare’s policy, effective May 1, 2026, does the same for ketamine injection used for depression, bipolar disorder and posttraumatic stress disorder.⁶

Anthem lists major depressive disorder first among the uses for which Ketalar may not be approved.⁷ Blue Cross Blue Shield companies set their own policies. The Vermont plan classifies sublingual, oral, nasal and subcutaneous ketamine as investigational, which covers both Mindbloom formats.⁸ Cigna’s June 2025 update says its Ketalar policy was revised to address outpatient use only. The policy PDF returned an error when checked, so the statement that Cigna treats outpatient Ketalar as not medically necessary comes from a third party.⁹

None of these policies mentions a 99204 or 99214 visit. No insurer publicly says whether it will reimburse a consult code for an off-label ketamine visit. Coverage is plan specific.

What you might get back

An out-of-network claim is based on the insurer’s allowed amount, not what the provider charges. After the out-of-network deductible, the plan pays its share and you owe your coinsurance. HealthCare.gov defines out-of-network coinsurance as the percentage of the allowed amount you pay and uses 40% as its example.¹⁰ The allowed amount is the maximum a plan will pay for a covered health care service, and it is lower than the provider’s charge.

Aetna’s published New Jersey samples, averaged over the second half of 2018, show the gap between billed and allowed amounts. A 99213 office visit, one level below Mindbloom’s follow-up code, was billed at $207.17 on average and allowed at $129.14.11 Mindbloom’s $400 and $250 ceilings estimate what a plan might allow. They are not Mindbloom’s charges.

Here is one hypothetical. Your plan allows $250 for 99204 and $130 for 99214, pays 60 percent out of network, and your out-of-network deductible is already met. Sixty percent of $380 is $228, so that is what you would get back on the $1,290 program. If the deductible is still unmet, the $380 goes toward it and reimbursement is $0. Mindbloom says the claim counts toward your deductible either way.²

We found no published user report stating an actual reimbursement amount. We searched reviews and online discussions for superbill outcomes on September 6, 2026. The one detailed account we found calculated the possible ceiling before filing and expected only a small amount back at most.¹¹

How to check if your plan covers it

1. Call the number on the back of your card and ask whether your plan includes out-of-network mental health benefits. If the answer is no, stop here. There is nothing to claim.
2. Ask for your out-of-network deductible, how much of it you have met, and your out-of-network coinsurance percentage.
3. Give the representative codes 99204 and 99214 and ask for the allowed amount on each. Mindbloom also tells clients to provide those CPT codes and ask the carrier to confirm coverage.¹
4. Ask for the timely-filing deadline on member-submitted claims. UnitedHealthcare warns that a late claim can be denied.¹²
5. Save the call reference number and any written answer.
6. After your first Mindbloom consult, download the superbill from Profile, Settings, Superbill in the app. The download page sits behind your client login.
7. File the superbill through your insurer’s member portal. UnitedHealthcare says you may need to submit your own claim when the provider collected payment up front.¹²
8. Keep the Explanation of Benefits the insurer sends back.

Our superbill explainer explains the form itself. The first superbill does not exist until after your first consult, and that consult happens after you have paid. You cannot get an insurer’s decision before committing the money.

Does Mindbloom take Medicaid or Medicare?

Mindbloom accepts neither. Its help center directly answers the Medicaid question with no, not directly.¹ The same article says Mindbloom takes neither Medicaid nor Medicare as payment for services.

Mindbloom tells Medicaid members to ask their carrier whether codes 99204 and 99214 are covered as out-of-network services submitted by superbill. Its insurance guide says Medicaid programs rarely cover off-label ketamine.² Medi-Cal is not named anywhere on Mindbloom’s site, and the Medicaid answer applies to it.

Mindbloom’s Medicare guide says Medicare generally does not cover off-label ketamine therapy, including IV infusions and at-home programs. It also says the Part D exclusion for self-administered drugs directly affects at-home ketamine programs.² Spravato, by contrast, is covered under Medicare Part B.¹³

Grow Therapy accepts Medicaid plans in some states,20 and Brightside says it accepts some Medicare and Medicaid plans.¹⁴ Both are covered below.

HSA and FSA

Mindbloom accepts HSA and FSA cards at checkout, subject to the card issuer’s approval. Its help center tells clients to ask their HSA or FSA administrator whether the full program qualifies or only specific services, such as consultations.¹ A separate Mindbloom HSA guide is more confident and says the whole program qualifies. Use the cautious version and check with your administrator.

Mindbloom’s care team can provide a Letter of Medical Necessity after the medical evaluation, through chat or email. The company says you can pay with pre-tax funds and file the superbill. It does not explain whether an expense reimbursed by insurance can also be paid with HSA funds. That is a tax question, so ask your plan administrator before doing both.

Using your insurance the traditional way

Your plan’s directory lists in-network psychiatrists who bill the insurer directly. There is no program price up front, and your in-network cost sharing applies. A psychiatrist can prescribe FDA-approved antidepressants or refer you for covered Spravato treatment.

Those directories have documented problems. A Senate Finance Committee secret-shopper study released in May 2023 called 120 listed providers. A third of the listings were inaccurate, had non-working numbers, or led to unreturned calls. Staff could book an appointment 18 percent of the time.¹⁵ A 2023 study in General Hospital Psychiatry called 948 psychiatrists in five states. Only 18.5 percent could see new patients. The median wait was 67 days for an in-person visit and 43 days for telepsychiatry.¹⁶ The authors found that private insurance offered no better access than Medicaid.

Mindbloom says the time from signup to first treatment is less than 2 weeks.¹⁷ Brightside says 92% of its patients meet their clinician and start treatment within five days.¹⁴ Mindbloom’s stated timeline is faster than the traditional path described above, but you still pay $1,290 up front. You can check the current program prices before deciding which route fits.

If you want to use your insurance

Three services we track are in network with major plans and treat depression and anxiety with conventional medication. None offers ketamine.

Talkiatry is psychiatry only. Its insurance page says most patients pay $30 per visit, including all cost sharing. Talkiatry checks your in-network status before the first visit and says it will cover the full cost of that appointment if the check is wrong. It does not take Medicaid and offers no self-pay option.¹⁸

Grow Therapy is a therapy and psychiatry marketplace. Its homepage puts the average insured session at $21. Grow has state Medicaid pages, with availability varying by state and provider.¹⁹

Brightside treats depression and anxiety with medication and therapy. It lists Cigna, Aetna, Ambetter, UnitedHealthcare, Blue Cross Blue Shield and Medicare as in-network, and it accepts some Medicare and Medicaid plans. Self-pay psychiatry costs $95 a month.¹⁴

Spravato is the ketamine-class treatment insurers cover for treatment-resistant depression. It is FDA-approved and given in a certified clinic. UnitedHealthcare’s policy calls it proven for treatment-resistant depression, and Cigna covers it with prior authorization. Janssen’s copay program can reduce the medicine cost to as little as $10 per treatment for eligible commercial members.¹³ We do not earn from Spravato.

Mindbloom’s program starts at $1,290 for cash-pay readers who want at-home ketamine. Mindbloom refunds the full program price if its clinician decides at the first consult that treatment is not appropriate. Our Mindbloom review covers the treatment itself.

What users say about Mindbloom and insurance

Mindbloom has 808 Trustpilot reviews and an average rating of 3.9 out of 5. Twelve reviews mention insurance. A December 2024 reviewer called the program expensive and noted that it takes no insurance. A March 2025 reviewer said they should have stayed with Spravato because insurance covered it. Positive reviews make the same cost point. One reviewer credited the program with saving their life but wished insurance paid for it. Another said the money was well spent despite the lack of coverage.²⁰

Older user reports describe a long wait for a superbill and a phone number on the bill that did not work.¹¹ The superbill is self-service now, so the wait no longer applies. The limit on reimbursement still does: only the consult codes are eligible. Mindbloom has publicly clarified that it is out of network and that some clients receive reimbursement for clinician consults, depending on their plan.²¹