A single IV infusion typically runs $400–$800, a full 6-session induction $2,400–$6,000, at-home telehealth $129–$350/month, and Spravato $590–$885 per session before coverage. Insurance covers Spravato but rarely off-label ketamine — HSA/FSA generally do.
Ketamine therapy costs $129 per month at the low end and $6,000 for a full IV induction at the high end. The right number depends on which modality you use and whether insurance is in play. The table below is a direct 2026 comparison.
| Modality | Per session | Induction (typical) | Typical monthly | Insurance | Best fit |
|---|---|---|---|---|---|
| IV infusion | $400–$800 | 6 sessions, $2,400–$6,000 | 1–2 boosters, $400–$1,600 | Rare | Treatment-resistant depression, chronic pain |
| Intramuscular (IM) | $150–$350 | 6 sessions, $900–$2,100 | 1–2 boosters, $150–$700 | Rare | Lower-cost in-clinic option |
| At-home telehealth | ~$30–$90 (in monthly plan) | 4–8 sessions, first month $200–$400 | $129–$350 (subscription) | No | Mild-to-moderate depression, budget |
| Spravato (esketamine) | $590–$885 list | 8 sessions over 4 weeks | 2–4 sessions maintenance | Yes (with prior auth) | Treatment-resistant depression, insured |
IV ketamine infusion is the most expensive modality — $400–$800 per session — because it uses the most clinical time and equipment.1 A single 40–60 minute infusion requires an IV line, continuous vital-sign monitoring, and a licensed nurse or anesthesia provider on site.
Most protocols use a 6-session induction over two to three weeks. That totals $2,400 to $6,000 out of pocket. Some clinics bundle induction packages at a small discount.
Boosters follow every 4–6 weeks. Budget one to two booster sessions per month once the induction is complete.
IV infusion is the modality with the strongest published evidence for treatment-resistant depression and chronic pain. See our ketamine pillar guide for the clinical background.
IM ketamine costs $150–$350 per session — roughly half of IV. The lower price reflects shorter clinic time; there is no IV line to place or monitor.
Some patients find IM harder to titrate because the dose is fixed once the injection is given. Clinicians use IM when a patient wants in-clinic supervision without IV pricing.
Total induction cost typically lands at $900–$2,100 for six sessions.
At-home ketamine therapy runs $129–$350 per month via a monthly subscription. The plan usually includes psychiatric evaluation, oral or sublingual troches, a set number of sessions, and integration coaching.
Three of the most established providers as of 2026: Innerwell at approximately $180–$300 per month, Mindbloom at approximately $200–$350 per month, and Better U at approximately $129–$249 per month. See our at-home ketamine cost guide for the full provider comparison.
At-home programs are the cheapest legal option. They are not a fit for severe depression or high suicide risk. Review our at-home safety checklist before starting.
Spravato (esketamine) lists at $590–$885 per treatment session before insurance.2 The exact price depends on the dose (56 mg or 84 mg) and the clinic's REMS-network billing structure.
With commercial insurance plus Janssen's withMe copay-support program, eligible patients often pay $10 or less per session for up to 12 months.3 Medicare Part B typically covers Spravato after prior authorization, usually leaving a 20% coinsurance.4
For the full billing math, see our Spravato cost with insurance guide.
Insurance covers Spravato in most commercial and Medicare plans but rarely covers off-label ketamine. FDA approval is the dividing line: Spravato is FDA-approved for treatment-resistant depression, so plans pay for it. IV and IM ketamine are used off-label, so plans usually deny them.
Some clinics can bill portions of an off-label ketamine visit — the psychiatric evaluation or the office visit — even when the infusion itself is not covered. See our insurance coverage guide for the CPT codes and appeal playbook.
HSA and FSA funds are generally eligible for medically supervised ketamine therapy. The IRS treats ketamine as a qualifying medical expense when prescribed by a licensed provider for a diagnosed condition.
Most clinics can provide a superbill or letter of medical necessity for HSA/FSA reimbursement. Confirm eligibility with your plan administrator before your first session.
Four factors drive the total cost of ketamine therapy: number of sessions, modality, integration therapy add-ons, and geography.
Before you book, verify what the clinic considers "included." Some packages bundle integration and vital-sign monitoring; others charge separately.
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