INSURANCE & PAYMENT · SPOKANE VALLEY, WA
Getting help shouldn't feel like
homework.
We want to make the financial side of therapy as simple and stress-free as possible. Here's what you need to know.
YOUR OPTIONS
We offer several ways to cover care.
Whether you're using insurance, paying privately, or somewhere in between, we'll help you figure out what makes sense for your situation.
IN-NETWORK
Aetna
Insurance
We're in-network with Aetna, which means your sessions may be covered at a lower cost to you, depending on your plan's deductible and copay structure.
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We bill Aetna directly on your behalf
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You pay your copay or deductible portion at the time of service
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Benefits vary by plan, so we recommend calling the member services number on your insurance card to confirm your mental health coverage
IN-NETWORK
Premera
(BCBS)
We're in-network with Premera BCBS. If you carry a Premera plan, your mental health benefits may apply to sessions at The Couch.
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We bill Premera directly on your behalf
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Your cost depends on your specific plan's copay and deductible
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Call the number on your card and ask about your outpatient mental health benefits before your first session
IN-NETWORK
Cigna &
Evernorth
We're in-network with Cigna and Evernorth. If your employer or individual plan is through Cigna, your mental health benefits may apply to sessions at The Couch.
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We bill Cigna directly on your behalf
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Your cost depends on your specific plan's copay and deductible
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Call the number on your card and ask about your outpatient mental health benefits before your first session
IN-NETWORK
UnitedHealth
Care
We're in-network with U.H.C. which means your sessions may be covered at a lower cost to you, depending on your plan's deductible and copay structure.
-
We bill UnitedHealthCare directly on your behalf
-
Your cost depends on your specific plan's copay and deductible
-
Call the number on your card and ask about your outpatient mental health benefits before your first session
PRIVATE PAY
Private Pay
& Superbills
Paying privately gives you full flexibility and privacy. And if you have out-of-network benefits, a superbill can help you get reimbursed by your insurance.
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Pay directly at the time of your session
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We provide detailed superbills upon request for out-of-network reimbursement
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HSA and FSA cards accepted
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Your records stay more private without insurance involvement
SUPERBILLS EXPLAINED
WE ACCEPT
Using insurance
out-of-network?
All major credit and debit cards
HSA and FSA cards
If your insurance isn't one we're in-network with, you may still be able to get reimbursed for part of your session costs. Here's how it works.
WHAT'S A SUPERBILL?
A superbill is a detailed receipt that includes the session date, diagnosis codes, and procedure codes your insurance company needs to process a claim. We provide them upon request, and you submit them directly to your insurer for potential reimbursement. They are generated and emailed on the 5th of each month.
Before your first session, we recommend calling the member services number on your insurance card and asking: "Do I have out-of-network mental health benefits, and what is my reimbursement rate for outpatient office psychotherapy?" We're happy to help you think through this.
CANCELLATION POLICY
Clients must provide a minimum of 24 business hours advance notice to cancel or reschedule their appointment to avoid a missed session fee (our full bill rate).
Monday appointments must be canceled before 5 PM on the previous Thursday.
WHEN IS PAYMENT COLLECTED?
Payment is collected at the time of your session through our secure client portal. You'll receive an automatic receipt after each payment, which you can use for your records or submit with a superbill.
GOOD FAITH ESTIMATE
Under the No Surprises Act, you have the right to receive a Good Faith Estimate of your expected costs before beginning services. We provide this automatically before your first session. If you have questions about what it means, just ask.
FREQUENTLY ASKED QUESTIONS
Your questions about
coverage & payment answered.
How do I know if my insurance will cover sessions?
The best way is to call the member services number on the back of your insurance card and ask about your outpatient mental health benefits. For Aetna, Premera Blue Cross Blue Shield and Cigna members, we're in-network and can verify your benefits before your first session. For other plans, we can provide superbills for out-of-network reimbursement.
What is a superbill and how do I use it?
A superbill is a detailed receipt we provide after your sessions. It includes all the codes your insurance needs to process a reimbursement claim. You submit it directly to your insurer, and they'll reimburse you based on your out-of-network benefits. Many clients recoup a meaningful portion of their costs this way.
Can I use my HSA or FSA card?
Yes. Therapy is an eligible expense under most HSA and FSA plans. Your card works just like a regular credit card at time of payment. If you need itemized receipts for your plan administrator, we provide those automatically.
Why might someone choose private pay over using insurance?
Private pay gives you and your therapist full control over your treatment, including session frequency, length, and approach, without restrictions from your insurance company about what they'll cover or for how long. It also keeps your mental health records more private. Some people find this worth it; others prefer the cost support of insurance. We'll talk through what makes sense for you.
How often will I need to come in?
Most clients start with weekly sessions, which tends to build the most momentum early on. As things stabilize, many shift to every other week. We'll talk through what makes sense for your goals and your schedule in your first session.