How Much Does NOCD Cost With and Without Insurance?

• With insurance, NOCD says copays are usually between $0 and $50 per session.
• Private pay rates: NOCD costs $240 for a 60-minute session, $180 for 45 minutes, and $120 for 30 minutes. If you do 8 to 12 hour-long sessions, that comes to about $1,920 to $2,880.
• Note that insurance claims can take 4 to 6 weeks to process. That can mean several copays showing up at once, even if you haven’t been charged for a while.

NOCD (treatmyocd.com) provides virtual exposure and response prevention (ERP) therapy for OCD. It has more than 1,200 specialty-trained therapists and treats people ages 5 and up throughout the U.S. and UK. NOCD is in-network with 70+ plans, and most people use insurance to pay for treatment (although cash-pay is also an option). If you’re using insurance, signup starts with a free 15-minute call to check your coverage.

ChoosingTherapy.com may earn a commission from the companies whose services are linked on this page.

NOCD cost without insurance

Rates are current as of August 29, 2026.

NOCD reports that clients may meet twice a week at the beginning of treatment and that improvement often happens after 8 to 12 hour-long sessions.¹ If you pay privately without insurance for all of those sessions, you’d spend about $1,920 to $2,880.

There isn’t a subscription or membership fee for therapy. You pay per session, and shorter or less frequent appointments may be used as treatment progresses. The initial assessment is an hour long and costs the regular 60-minute rate.

NOCD offers interest-free payment plans of $95 or $50 per week. While these don’t make treatment cheaper, they do spread out what you owe. HSA and FSA cards can also be used. NOCD mentions financial assistance during signup, although it doesn’t publish much about who qualifies or how much help is available. If money is a concern, it’s worth clarifying these answers in advance.

NOCD cost with insurance

The company says an in-network copay is “usually around $0-$50” per session. The exact number will depend on your health insurance plan, including the specific deductible and co-pay rates.If you haven’t met yours yet, you could owe considerably more at the beginning of treatment. Once the deductible is met, your regular copay or coinsurance kicks in.

If you look at your claims, you will see that therapy sessions are billed higher than the regular cash rate. That does not mean you pay that amount. Instead, the insurer applies its negotiated rate, and you are responsible for what the plan specifically assigns to you.

However, it’s a good idea to call your insurer and specifically ask about NOCD Inc. The relevant CPT codes are 90791 for the intake, 90837 for a 60-minute session, 90834 for 45 minutes, and 90832 for 30 minutes. It can be a bit tedious to get this information (especially if you’re ready to get started right away), but having that financial peace of mind may be worth it.

Another thing that can look alarming is the amount NOCD bills your insurance company. NOCD acknowledges that this figure is higher than its cash rate. That does not mean it’s the amount you’ll pay. Your insurer applies its negotiated rate, and you’re responsible for whatever your plan assigns to you: a copay, coinsurance, deductible, or some combination of those.

If you want a better idea of your cost before starting, call your insurer and ask about NOCD Inc. specifically. It’s a little tedious, but given the billing complaints we found, this is one phone call that may be worth making.

How billing works in practice:

1. A card goes on file at the start, even with insurance; nothing charges immediately, and NOCD emails before charging.
2. Billing runs behind the sessions. NOCD says processing “can sometimes take up to 4-6 weeks” per session on certain plans, with a weekly balance-summary email in the meantime.
3. A network error is on NOCD. If an insurance mistake causes a therapist to show up as out of network, NOCD says you won’t be responsible for sessions that already took place. You can then switch to an in-network therapist or decide whether you want to continue paying cash. Superbills are also available for people seeking out-of-network reimbursement.

What insurance does NOCD take?

NOCD says its insurance network covers more than 155 million Americans and that more than 9 in 10 commercially-insured Americans have access to in-network care. Its list includes major insurers such as UnitedHealthcare and Optum, Aetna, Cigna, some Kaiser Permanente plans, many Blue Cross Blue Shield plans, UMR, GEHA, Oscar, the BCBS Federal Employee Program, and some student health plans. That doesn’t mean every plan from one of those companies covers NOCD. Insurance varies by state, employer, and specific plan. The easiest place to start is NOCD’s free insurance check.

Does NOCD take Medicare or Medicaid?

It can, but you’ll need to check your individual plan. NOCD’s coverage checker includes options for both Medicare and Medicaid, but the company doesn’t publish a simple nationwide list of which plans it accepts.If you have either one, ask about your specific coverage before scheduling therapy. Our NOCD insurance guide lists the plans it accepts. If your Medicaid plan isn’t accepted, Grow Therapy and Rula accept some Medicaid plans in many states, although treatment may not be specific to OCD.

What users report about NOCD billing delays

This was the most common complaint we found. Critics of NOCD were most upset that billing charges showed up weeks or months later, sometimes all at once. On Reddit, one r/OCD user said their account showed $0 due for months before more than $1,000 in charges suddenly appeared.²

Similar complaints show up with the BBB. There’s also confusion when the amount billed to insurance is much higher than NOCD’s cash rate, though that billed amount is not necessarily what the patient owes.

The main takeaway: confirm your cost with your insurer before starting and watch NOCD’s billing emails. Don’t assume no bill yet means no bill is coming. This is a known concern when working with insurance, and it is not inherently exclusive to NOCD.

Is NOCD worth the cost?

It’s always challenging to make bold claims like “yes” or no” when therapy results can feel subjective. Our guide to whether OCD can be cured covers what those results mean long term. That said, ERP specialists tend to charge more than general therapists, so NOCD’s $240 rate is fairly typical for this kind of care. Other ERP-trained therapists often charge around $240 to $350 per session, and sometimes closer to $500.³

NOCD also includes therapist messaging and app tools between sessions. This can be an attractive option for those who need a higher level of support.

There are still reasons to choose in-person ERP, especially if you want to practice exposures with a therapist in the room or prefer this kind of relationship. But OCD specialists can be hard to find in some areas, which is where virtual care may be especially useful. Our NOCD review covers the therapy experience in more detail.

NOCD doesn’t offer medication management. If you want psychiatry alongside ERP, Talkiatry is a popular insurance-based option to consider.