The new year is in full swing, and for many people, that means navigating an updated or entirely new insurance plan. Changes to insurance can cause uncertainty, which we know can feel especially stressful when you’re trying to access treatment for OCD.
When it comes to OCD treatment, we have good news: As the leading provider of specialized OCD treatment, we have not seen insurers offering less coverage for NOCD Therapy. In fact, we’re excited about increasing coverage in 2026. And while some insurance premiums have risen this year, behavioral and mental health coverage appear to be increasing as insurance companies become increasingly aware of the demand for and positive impact of mental health treatment.
Navigating insurance can be a complex process, and everyone’s experience is unique. We work with insurance providers to make therapy more affordable, and we work with our Members to help you better understand how you can use your insurance benefits to access therapy—through enhanced technology and our Member Advocates who are here to support you through every step of the billing and insurance process.
In this article, we’ll seek to clarify the answers to some basic questions you may have about navigating billing and insurance benefits in 2026.
Will my insurance cover NOCD in 2026?
Since this is probably your most pressing question, we’ll start here. OCD treatment has come a long way in the past five years. While it used to be nearly impossible to see an OCD specialized therapist using insurance, NOCD accepts most major insurance plans—including UnitedHealthcare, Cigna, Aetna, Kaiser, and many Blue Cross Blue Shield plans. That means over 9 in 10 Americans with commercial insurance can use their benefits to access specialized treatment.
Our website makes it easy to check your coverage, and our Member Advocates can provide additional support by sharing more information on how you can use your specific insurance benefits. On your free 15 minute call to kickstart your NOCD treatment journey, one of our Member Advocates will explain how you can use your specific insurance benefits. They’ll be able to share if your plan is in-network, provide you with an understanding of how much sessions can cost, and ensure that you get matched with a therapist who accepts your insurance plan—and meets any other needs and preferences you may have, such as working with a therapist of a certain gender, or someone with expertise in specific communities or co-occurring conditions. And if your plan proves harder to verify for any reason, our Member Advocate Team will explain how to do so and support you through every step of that process.
In order to get the most out of your call, it’s best to come prepared with your insurance card and member ID number. But, if you’re not sure how to find this information or haven’t yet received your insurance cards, don’t worry. It’s very common to not yet have your new insurance card at the beginning of a new year, and our team can walk you through how to find this information.
Our Member Advocate team will also give you the information needed to navigate any conversations you may want to have with your insurance company. We know insurance can be an intimidating topic, but we’ll be here for you every step of the way, so that you feel confident calling your insurer, asking questions, and advocating for yourself—if and when needed.
It’s important to us to make the billing and insurance process feel as seamless as possible, and we’re working hard to improve our systems. Last year, we built real-time cost estimators for select plans, and this year we’re looking to expand that technology to more plans as coverage expands—so more people can get access to faster information about estimated costs.
If you’re waiting to contact us about starting treatment this year because you don’t yet have your insurance information or you’re worried about coverage, we encourage you to reach out to us. Our Member Advocate Team is here to help you navigate any and all insurance questions, and we may be able to help you find a quicker way to get the information you need. We’ll never charge you without your permission, and we’ll move at the pace that works for you.
How much does NOCD Therapy cost? What to know about deductibles and copays
Most of our Members are able to use their insurance to pay for NOCD Therapy, and many of our Members are only required to pay their standard copay amount for behavioral and mental health services, which is usually around $0-$50.
For others, they need to hit their deductible first, in order to be able to leverage insurance for specialized therapy. A deductible is the amount you have to pay for healthcare expenses before your insurance will begin covering your care. This number varies depending on the specifics of your plan and resets at the beginning of each year—meaning that you may have to cover the cost out-of-pocket at first, since it’s January. However, any payments you make toward NOCD Therapy will work toward your deductible, offsetting future NOCD sessions and overall healthcare costs. Once you hit your deductible, your plan will begin to pay again. You can also use your HSA or FSA to cover any out-of-pocket payments.
What if my insurance doesn’t cover NOCD, or the coverage isn’t enough?
People across the country are facing increased insurance premiums, and we know it can feel overwhelming to see new expenses come in when your deductible resets at the beginning of the year. The best thing you can do as a NOCD Member is communicate with us so that we understand your situation and can offer you options to help.
You don’t need insurance to enroll in NOCD Therapy, and we offer interest-free payment plans to help defer costs during the initial commitment to treatment, which is often where people see significant results. It may also be worth talking with your employer’s human resources department about the possibility of enrolling in a health savings account (HSA) and flexible spending account (FSA), which work by allowing you to contribute pre-tax money from your paycheck to special accounts earmarked for health and wellness expenses.This is another way Members offset costs.
We know how stressful it can be to navigate uncertainty around billing and insurance, and we’re committed to making the process easier for you—whether that’s by helping you figure out what your copay may look like, talking you through payment plan options, or helping you find the right NOCD Therapist who meets your unique needs and takes your insurance. Learning to conquer OCD can feel challenging enough on its own; we’re here to make sure insurance questions don’t get in the way of your ability to start meaningful treatment.