Fees, Insurance, and Cancellation Policy 

I am in-network with First Choice Health and Premera Blue Cross. 

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*Please note that I do not verify benefits. Please contact your insurance to verify benefits and to find out about your copay/coinsurance and whether you have a deductible. If I am not in network with your insurance, I can provide a receipt for reimbursement.

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If I am not in-network with your insurance carrier or specific plan, it is possible that your insurance plan will cover my services as an out-of-network provider. Please contact your insurance company for more information about out-of-network benefits.

 

When calling your insurance carrier about your in-network or out-of network benefits (whichever is applicable), questions to ask include:

• Do I have a mental or behavioral health policy with in-network/out-of-network benefits?

• What are the requirements to use in-network/out-of-network benefits?

• Is prior authorization required?

• Is a referral required from my primary care physician?

• Is there a cap on how many sessions I can have?

• What is my co-pay/co-insurance? 

• Do I have an in-network/out-of-network deductible?

  • If yes:

    • What is my in-network/out-of-network deductible?

    • How much of my in-network/out-of-network deductible has been met?

    • What is the start date of the calendar year my in-network/out-of-network policy is based on?

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If you choose to use out-of-network benefits, you must pay the full fee for service at each appointment and I will provide you with a statement for reimbursement (also known as a superbill) to send to your insurance company for reimbursement. Please note that superbills do not guarantee reimbursement. Please inquire with your insurance company to find out whether they will reimburse you for services received.

 

Although there are benefits to using insurance, there are also important factors to consider before using your insurance for therapy. These factors include:​

• Insurance companies typically only cover services that are considered "medically necessary." Therefore, I may be required to diagnose you with a mental health disorder in order for therapy services to be covered by your insurance. However, not everyone who comes to therapy meets the criteria for a mental health disorder, and many people come to therapy for issues not related to a mental health disorder. For instance, some come to therapy so that they can have a safe, judgment free space for processing past and/or current experiences, self-exploration, support, personal growth, and many other personal reasons.  

• For those who are coming to therapy for treatment of a mental health disorder, insurance companies typically require that the therapist submit your diagnosis and possibly the treatment plan before they will offer reimbursement. They may also require that the therapist submit info about therapy progress.

• Some insurance companies limit the amount of sessions you can have. If you choose not to use your insurance, you can stay in therapy for as long as you find it beneficial.