FAQ — Fees, Insurance & Telehealth in Washington

Currently in process of credentialing with Premera and Medicare.

Yes, I provide out-of-network services. I will provide a superbill at the end of each month for submission to your insurance.

Yes, cash pay is accepted.

Yes, I offer coaching. Please note that coaching is NOT therapy and is billed separately as cash-pay only.

• Immediate access to care: Insurance panel therapists often carry 4–8 week waitlists. Paying out of pocket means you can start this week, not next month.
• No diagnosis on your medical record: Every insurance claim requires an ICD-10 diagnostic code. Out-of-network payment leaves no paper trail — no diagnosis attached to your name, which matters if you work in education, healthcare, government, or hold a professional license.
• Flexible scheduling: Insurance typically limits you to one 53-minute session per week. As a private-pay client, you can schedule more than one session per week when needed, and sessions can run longer — 90 minutes to 2 hours at a time — for deeper work without artificial time limits.
• No treatment restrictions: Insurance can cap sessions at 12 per year, limit each session to 45 minutes, and deny coverage for certain topics. Private pay removes all of those limits.

Call the number on the back of your insurance card and ask: What are OON & INN benefits? Is there a deductible? Copay/coinsurance amounts? Reimbursement rate? Limits on therapy sessions per year? Do I need pre-authorization?

Frequency typically changes from weekly to bi-weekly, then monthly as goals are met. The total duration varies based on your individual goals and history.

Use a desktop or laptop computer — not a phone. You must be in a private place where nobody else can overhear the session, and you should never connect while driving or walking. Position yourself facing the window (not with your back to it) so lighting is even and your face is clearly visible. Check that your camera and microphone are working before the session starts. Audio-only calls and phone-based video calls are not supported.