Payment and Insurance

In-Network Benefits

I am currently an in-network provider for the following insurance plans:

  • BCBS
  • Cigna
  • First Choice
  • Magellan
  • Medicare
  • MHN
  • Moda
  • Providence
  • PBH/UBH
  • Tricare

Prior to your initial visit, our medical biller Rachel Powers will contact your insurance company to clarify your insurance benefits, including deductible and copay. For payment, billing, and insurance questions, contact Rachel at rachel@fpcounseling.net.

Please note that if you cannot make it to a session, cancellations must be made at least 24 hours in advance to avoid paying the $50 late cancellation or no-show fee for the missed session. Insurance companies DO NOT pay for missed sessions, so the $50 fee would become your responsibility.

Out-Of-Network Benefits

If you have a different insurance provider than the ones listed above, services may still be covered in full or in part by your insurance or employee benefit plan. Let Lizza know that you would like to use your out-of-network mental health benefits and our medical biller will verify your out-of-network options and obtain pre-authorization if necessary.

Cash Pay

For those not using insurance, please contact Lizza for session rates. Payment can be made by check, cash, debit, credit, or Health Savings Account (HSA) cards. We can keep your card on file and, with your authorization, run the card after each session, or you can log into your Patient Portal on Simple Practice to pay your balance.

Why Some People Choose Not to Use Their Insurance for Mental Health Counseling

While using health insurance benefits allows you to save money in the short term, this benefit should be weighed against the risks and drawbacks. These include:

  • Diagnosis: Insurance will only pay for mental health services if you meet criteria for a diagnosable mental disorder for which counseling is deemed “medically necessary.”  Though most clients fit one or more acceptable diagnosis, please be aware that when a mental health diagnosis is used, it becomes part of your medical records.
  • Lack of privacy: Insurance companies will sometimes ask for detailed information, including your diagnosis, symptoms, personal history, or substance use (if any), and occasionally summaries of your actual sessions. These will become part of your permanent medical records and may be shared with third parties such as other insurance companies.