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Insurance & session cost

  • Blue Cross Blue Shield, Premera, Regence

  • Lifewise

  • Optum/United/Providence

  • First Choice health

  • Kaiser (PPO plans only, no HMO/Core)

  • Asuris Northwest

  • Aetna

  • Cigna

  • Triwest

  • Lyra EAP

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Update: Please check with us to see if the clinician you are seeking services with can accept your specific insurance. Some insurances do not allow "supervisory billing" for associates.**

         Self-pay cost:​

Intake: $160

Standard (53-60 min): $150​

Let's talk about cancellation fees

Many therapists have policies around canceling or rescheduling appointments, and often these policies include charging a fee for a missed or late cancelled appointment. There are many reasons for this, including but not limited to:

  1. A no-show or late cancellation fee encourages clients to let us know as soon as possible if they do not need their appointment slot, so we can potentially offer it to someone else.

  2. Many therapists are paid based on the revenue we generate, so if you do not keep your appointment, they lose income. We have bills too! :)

  3. Some organizations/insurances have policies for late cancellation and no-show fees that the therapist has no say in.

  4. It represents the value of the professional’s time and any energy that went into preparing for the appointment such as workbooks, psychoeducation, & homework to provide for the session.

Good Faith Estimate

The No Surprises Act is a federal law that went into effect on January 1, 2022. 

Usually, if you don't have or use health insurance to pay for your care, providers must give you a good faith estimate of how much it will cost. You get the estimate when you schedule care at least 3 business days in advance or if you ask for one. You may be able to dispute your bill if it’s at least $400 more than the estimate.

Note: You won’t get an estimate during emergency care.

 

Get a good faith estimate

If you aren’t using insurance to pay for your care, let your health care provider know in advance. Usually, the provider must give you a good faith estimate of expected charges.

This applies when you don’t have insurance, or are choosing not to use it. You may choose not to use insurance if the service you need isn’t covered, or it’s less expensive if you pay out of pocket.

In most cases, providers and facilities must give you an estimate when you schedule care at least 3 business days in advance, or if you ask for one.

If a bill from one of your providers is at least $400 more than the good faith estimate from that provider, you can dispute your bill.

Ocean View

How does insurance work?

Insurance plans work in one of two ways: 

 

 

1. Contract year plan. This means your plan begins and ends on a date you initiated coverage, and can be anywhere throughout the year. For example, it could begin October 1st and end September 30th of the following year. 

 

2. Calendar year plan. These plans always begin on January 1st and end on December 31st. 

 

 

What is a deductible? 

 

A deductible is what you will need to pay before the insurance company will start contributing to your medical bills. Deductibles can be anywhere from $0 to $10,000. Typically, deductibles apply every calendar year. This means that between January and December, your healthcare bills would need to exceed your deductible before the insurance company would start paying, excluding copays, coinsurance, and non-covered expenses. 

 

Why does this matter? It matters because as January 1st approaches, if you’re on a calendar year insurance plan, your deductible will reset (go back to zero) and you will have to pay out of pocket for each session to reach your deductible until insurance will begin kicking in coverage for sessions (including reducing your out of pocket expense down to the copay or coinsurance). 

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The best way for you to find out what kind of plan you have is to call your insurance company (see the phone number on the back of your card).

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