The following is a list of frequently asked questions about the financial aspect of therapy. If you do not see your question here, please feel free to email it to me.
What are your fees?
Feel free to contact me for more information about counseling fees.
What forms of payment are accepted?
Cash and personal checks are preferred forms of payment but I also accept debit and credit cards.
Do you accept insurance?
Presently, I am contracted with Premera Blue Cross and Lifewise. If your plan is issued through one of these carriers and you have outpatient mental health benefits, then my services will be covered at an in-network rate.
If you have greater than $180.00 remaining in your yearly deductible, I require a deposit for this amount, which will be held on your account until the first claim clears.
What if I am insured by someone other than Premera or Lifewise?
If your plan is issued through a different carrier and you have out-of-network mental health benefits, my services will be covered at the out-of-network rate determined by your plan. Once your yearly deductible (if applicable) is satisfied, the out-of-network reimbursement rate of most insurance companies is around 50-60% of my service fee.
In out-of-network situations, I collect my full fee at the time of service. Upon your request, I can send an electronic claim to your insurance company; they can directly reimburse you. Or, if you prefer, I can issue a statement for you to send to your insurance company for direct reimbursement.
If you are covered by Regence Blue Shield, please note that, effective January 1, 2017, all Regence clients will be given a monthly statement of charges that can be directly submitted to Regence for reimbursement.
I encourage you to contact your insurance company to ascertain the parameters of your out-of-network coverage. The list of questions below will help you do this.
How can I find out if insurance will cover outpatient psychotherapy?
Simple! Just log in to your insurance carrier's website or call the member customer service phone number listed on your insurance identification card. Obtain the answers to the following questions:
Are outpatient mental health visits covered under my plan?
Does my plan require my primary care physician to pre-authorize mental health visits?
How many visits are covered in a calendar year?
Do I have a deductible that applies to outpatient mental health services and, if so, how much is remaining for the calendar year?
Are my outpatient mental health benefits subcontracted to or managed by a carrier other than Premera or Lifewise? * (Please note: If the mental health portion of your benefits is handled by a company other than Premera or Lifewise, my services will be considered out-of-network, even though your insurance card indicates otherwise.)
What is my co-insurance payment or co-payment for outpatient mental health services? *
If I choose to see someone who is out-of-network for outpatient mental health visits, what is my deductible and at what rate will you reimburse me for these services? **
* This question applies only to Premera or Lifewise clients. ** This question applies only to out-of-network clients.