Insurance and Fees

Navigating mental health care involves both emotional and financial investments. To help you plan for your care, you will find a clear breakdown of accepted insurance networks and an overview of how mental health benefits operate below.

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​Rates for services

Diagnostic Evaluation/Intake: $250.00

1 hour session: $180.00

45 minutes session: $150.00

*other fees available upon request

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Insurance Networks We Partner With/Contracted

We are proudly in-network with the following insurance networks:

• Premera Blue Cross Blue Shield

• Regence BCBS / Uniform Medical

• Asuris Northwest Health

• First Choice Health Network

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If you plan to use insurance benefits to help pay for services, Core counseling and Consultation is contracted with the above health insurance plans. This means Core Counseling and Consultation agrees to a contracted rate lower than the practice rate. If you have a deductible to meet before insurance pays, for example $600.00, you will pay the contracted rate for each session until your deductible is met, and then pay a percentage of that rate once deductible is met. Every plan is different and your provider cannot tell you details of your exact plan. You must contact your insurance company to find out the details of your plan. 

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Frequently Asked Questions About Insurance

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I have insurance. Does that mean my sessions are 100% covered?

Not necessarily. Having insurance coverage rarely means you will have zero out-of-pocket costs. Depending on your specific plan, you may still be responsible for a copay (a fixed fee per session) or coinsurance (a percentage of the session cost).

Additionally, if your plan has a deductible, you must pay the full contracted rate for your therapy sessions out-of-pocket until you meet that annual deductible amount before your insurance begins splitting the cost.

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What are "medical necessity" and diagnostic criteria?

To pay for mental health services, insurance companies require that the therapy be deemed medically necessary.

In the insurance world, this means your treatment must focus on treating a formally diagnosable mental health condition that causes significant impairment in your daily functioning (like work, school, or relationships). Insurance typically does not cover services focused solely on general self-improvement, life coaching, or relationship enhancement unless they are directly tied to a clinical diagnosis.

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Can the insurance company view my private session notes?

Yes. When you choose to use your health insurance to pay for therapy, the insurance company retains the right to audit your clinical files. They do this to verify the diagnosis, check that the treatment plan is appropriate, and confirm that the care meets their strict medical necessity criteria.

While clinical notes are handled with high confidentiality, they are not completely hidden from your insurance payor.

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Who is ultimately responsible for ensuring my bills are paid?

You are. While we are happy to bill your insurance company on your behalf as a courtesy, your insurance policy is a contract strictly between you and your insurance provider. It is your responsibility to verify your deductible, copays, and specific behavioral health benefits before we begin working together.

Please Note: If your insurance company denies a claim, fails to pay, or claws back a payment for any reason, the responsibility for the full session fee reverts to you.

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How to Verify Your Out-of-Pocket Costs

To prevent unexpected bills, call the member services number listed on the back of your insurance card before your first appointment and ask these specific questions:

1. "Does my plan cover outpatient mental health benefits for in-network providers?"

2. "Do I have an annual deductible that applies to mental health services? If so, how much is left?"

3. "Once my deductible is met, what is my exact copay or coinsurance amount per session?"