Health Insurance Tips

Financial and Insurance Policies

Verification: As a courtesy, we will verify your insurance benefits and inform you of your estimated payment responsibility before your first scheduled appointment. We recommend you verify your mental health coverage (specifically outpatient services) with your insurance provider. When doing so, request a reference number for the inquiry.

Out-of-Pocket Cost: The final extent of your coverage, including your exact out-of-pocket expenses, can only be determined after your insurance carrier processes your claims. If we receive any notification that your out-of-pocket expense has changed, we will notify you as soon as we can. 

Plan Changes: If you become eligible for insurance or your insurance plan changes, you must notify the office immediately to avoid any lapse in reimbursement, which would become your responsibility. 

Primary and Secondary Insurance Plans:  If you are covered by both a primary and secondary insurance plan, it is your responsibility to notify us of both plans and complete the Coordination of Benefits (COB) process. Failure to do so may result in the denial or reversal of insurance claims, making you financially responsible for those services. Additionally, we reserve the right to cancel any upcoming scheduled appointments until the COB process is completed—unless alternative payment arrangements, such as a self-pay or cash rate, are discussed and agreed upon in advance. COB rules determine which insurance plan pays first. Typically, the primary plan processes and pays the initial claim, while the secondary plan may cover any remaining eligible costs. 

We do not accept COBRA insurance under any circumstances. If your insurance is ending and COBRA is your only option, contact the office to discuss potential alternatives. 

Accepted Health Insurance Plans

Please call our office to see if your preferred counselor on Our Team takes your insurance and has openings.

As an agency, we accept most major insurance plans; however, not all of our clinicians are in-network with every provider.
Our clinicians may be in-network with the following insurance plans:
– Aetna / Meritain
– Cigna / Harrison Electric
– First Health / Medica
– Molina
– PacificSource
– Premera
– Providence
– Regence / Blue Cross Blue Shield (BCBS)
– UnitedHealthcare / UMR

Our graduate student interns are currently able to accept:
– Molina
– Cigna
– (Coming Soon) Aetna and UnitedHealthcare

Please note: We do not accept Employee Assistance Programs (EAPs), Medicare, or other forms of Medicaid, such as the Oregon Health Plan (OHP) or Community Health Plan.

Health Insurance FAQs

1. Do I need to obtain pre-authorization before seeing a provider?
2. What is the amount of the fee that is covered or reimbursed?
3. How much is my co-payment?
4. What is my deductible and has it been met this year?
5. What is the maximum payable benefit over what period of time?
6. Is there a limit to the number of sessions?
7. What is the procedure for obtaining additional sessions if medically necessary?
8. Must my provider be on your insurance panel to obtain reimbursement?
9. What is the benefit for “out-of-network” providers?
10. Besides individual therapy, are other types of therapy (couples, family, group) covered?
11. What is the extent of information that may be required from my provider in order to authorize services or obtain reimbursement for services (e.g., diagnosis, symptoms, treatment plan)?
12. Do I have a “co-insurance” payment due?