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Frequently Asked Questions

We understand that navigating the therapy process can sometimes be daunting, which is why we're dedicated to making it as seamless as possible for you. Explore this page to find answers to commonly asked questions and gain clarity on our services and approach. If you can't find the information you're looking for, don't hesitate to reach out – we're here to support you every step of the way.

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Do you offer online therapy? 

Yes. Teletherapy sessions are available for clients located in Washington State and are conducted through a secure, HIPAA-compliant video platform. Virtual sessions can be a convenient option for those with busy schedules, travel constraints, or who simply prefer meeting from the comfort of home. Most insurance plans cover telehealth services, though coverage varies. A stable internet connection and a private space are recommended.

How much does therapy cost?

Session costs vary depending on the service provided. Reduced fee options may be available on a case-by-case basis. If you have questions about rates or affordability, please reach out to discuss options.

Do you accept insurance?

Yes. I am currently in network with several major insurance providers. Coverage varies by plan, so I encourage you to verify your benefits directly with your insurance company.

WWhich insurance plans do you accept?

I am currently in network with: • Aetna • Quest • Cigna • Carelon Behavioral Health • Premera • Regence If you do not see your insurance listed, you may still be able to use out-of-network benefits.

What if I have a different insurance plan?

Many insurance plans offer out-of-network benefits, which may allow you to receive partial reimbursement for therapy services. If your plan includes this coverage, I can provide a superbill that you may submit to your insurance company for reimbursement.

How do I get reimbursed by insurance?

Following each session, your card on file will be charged. At the close of each month, you'll automatically receive a superbill within your secure client portal for submission to your insurance company. Subsequently, you'll receive reimbursement from your insurance either by mail or as a deduction from your deductible.

What is a superbill?

A superbill is a document that contains the information your insurance company needs in order to reimburse you directly. The information includes the name of your therapist, our office address, national provider ID number (NPI), business tax ID number, your diagnosis, dates of service, procedure codes, and the amount you paid.

How do I know what my insurance will cover?

Insurance policies vary widely. The most accurate way to understand your benefits is to contact your insurance provider directly. Helpful questions to ask: • Do I have mental health benefits? • Do I have out-of-network coverage? • What is my deductible? • What is my copay or coinsurance? • Are there limits on sessions?

Do you verify insurance benefits?

My office may assist with benefit verification as a courtesy; however, clients are ultimately responsible for understanding their own insurance coverage, deductibles, and financial obligations.

What costs should I expect when using insurance?

Depending on your plan, you may be responsible for: • Copays • Deductibles • Coinsurance • Non-covered services Insurance companies determine coverage, not the provider.

What if my insurance denies a claim?

If a claim is denied or applied to your deductible, you are responsible for the balance. If you have concerns about coverage decisions, your insurance provider is the best source of clarification.

Can I use my HSA or FSA card?

Yes. Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can typically be used for psychotherapy services.

Do you offer private pay options?

Yes. Many clients choose to self-pay for greater privacy or flexibility. Please contact the office for current fee information.

Why might someone choose not to use insurance?

Some clients prefer private pay because insurance often requires: • A mental health diagnosis • Medical necessity determinations • Treatment limitations • Record disclosures Choosing private pay allows for greater confidentiality and autonomy.

Valley Therapy has partnered with Mentaya to help clients use their out-of-network benefits to save money on therapy. Use this tool below to see if you qualify for reimbursement for services.

Reach Out Today
 

Send a message to Valley Therapy and Consulting to ask any questions you might have about next steps or to schedule a free phone consultation.

 

You may also call or text (509)426-4579

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© Valley Therapy & Consulting, PLLC

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