Our practice is committed to enhancing the accessibility of counseling services by participating in major insurance panels within our region. Our licensed therapists are in-network with various insurance providers; however, coverage may vary based on the individual therapist and your specific plan.

We offer in-network providers with the following plans:

  • Aetna Health
  • Allied Benefit Systems, Inc.
  • Anthem Blue Cross
  • Asuris Northwest Health
  • Blue Cross and Blue Shield
  • Evernorth Behavioral Health (Cigna)
  • Employee Benefit Management Services (EBMS)
  • Federal Employees Plan of WA
  • First Choice Health Network (FCHN)
  • GEHA
  • Health Net – Washington
  • Healthcare Management Administrators (HMA)
  • Kaiser Foundation Health Plan of Washington
  • Kaiser Permanente Northwest
  • KPIC Self-Funded
  • LifeWise Healthplan of WA
  • Managed Health Network (MHN)
  • MEDICARE (Learn more)
  • Meritain Health
  • MultiPlan
  • Optum Health
  • Oxford – UnitedHealthcare
  • Pacific Source Health Plans
  • Premera Blue Cross of WA
  • Providence Health Plan (UHC)
  • Regence Blue Shield of WA
  • Regence Group Administrators (RGA)
  • Sound Health & Wellness Trust
  • Surest
  • UMR
  • Union Plans: Most union insurance plans are covered under First Choice Health Network (FCHN) or Premera/Regence.
  • United Behavioral Health (UBH)
  • United Healthcare (UHC)
  • United Healthcare Student Resources
  • United Healthcare Shared Services (UHSS)

If you do not see your plan listed, please contact us at 425.869.2644, ext. 0 to check as some plans are carved out to a third-party carrier (TPA) and use one of the networks previously listed. If we are not an in-network provider with your insurance, we can explore your out-of-network benefits and bill your insurance directly for our services. We encourage you to check with your insurance provider to understand your out-of-network mental health coverage.

*Please note, we are not enrolled or accepting the following insurance plans: Medicaid, state-supplemented insurance plans, Labor and Industry (L&I) claims and or PIP (car accident claims).

Understanding Your Coverage

Navigating insurance can be complex, and the Care Team provides assistance throughout the process. Because plans differ among carriers, staff can verify active coverage during intake; however, clients are advised to contact their carrier directly to clarify benefits and potential deductibles, which refer to the amount owed before insurance payments begin.

Here are some key questions to ask:

  • What are my behavioral health benefits for outpatient therapy in an office setting?
  • What are my behavioral health benefits for virtual sessions?
  • Are they subject to a deductible?
    • If so, how much of my deductible has been met?
  • Will I have a copayment or co-insurance?
  • Is there a limit to the number of sessions?
  • Do I need an authorization number prior to seeing a provider?
  • Is the provider I want to see in-network with my specific plan?

Claim Processing & Payments

Claims are billed daily, and the processing time depends on your insurance carrier, which may result in multiple claims being processed simultaneously. Copayments or co-insurance payments are processed at the time of service according to insurance contracts. Any deductible payments are run after insurance claims have been processed. Kindly refer to your Explanation of Benefits (EOB) from your insurance for detailed information regarding your claim processing or contact your insurance carrier for specific details pertaining to your plan.

Payment is due at time of service.

Cancellation Policy

Cancellations made more than 48 hours (two business days) before the appointment will not incur a fee. All therapists are independent contractors and receive compensation for completed sessions. Clients who do not feel well on the day of an in-person session can switch to telehealth by notifying their therapist to avoid a cancellation fee. If you miss or forget an appointment, please call us. If we do not hear from you, future appointments may be canceled.

Private Pay Clients & Good Faith Estimate

Pursuant to applicable law, health care providers must comply with balance-billing protections for individuals who obtain services without using insurance coverage. This legislation, known as the No Surprises Act, requires that individuals be informed of their rights prior to receiving care from providers who may be out-of-network with their insurance plans. For our clients not utilizing insurance, a Good Faith Estimate outlining anticipated costs for mental health services is provided. This estimate promotes transparency and assists clients in preparing for the financial aspects of their therapeutic care at Emmaus.

Questions?

We are happy to assist you between 8 AM and 5 PM Monday through Friday via calling our billing department at 425.869.2644, ext. 18. If you do call after these hours, please leave us a confidential voicemail message and your call will be returned the next business day.

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