Billing & Insurance

Insurance

We strive to have providers on major insurance panels in our area to make counseling affordable for our clients.

Our licensed therapists are in-network with some or all of the following insurance plans. Coverage depends on your therapist and specific plan. For insurance not listed, we can explore your out-of-network benefits. Many clients pay only a small co-insurance fee per session, with us billing insurance for the rest. Call us at 425.869.2644, ext. 0 for assistance with out-of-network options.

We offer in-network providers with the following plans:

*Please note, we are not enrolled or accepting the following insurance plans: Medicaid, Community Plans, Medicare (Capitated or DNSP), Washington State Apple Health, any state-supplemented insurance plans, Labor and Industry (L&I) claims and or PIP (car accident claims).

Understanding Your Coverage

We know that navigating insurance isn’t easy, and we are here to help support you through the entire process. Our staff is happy to look up and verify your mental health benefits and provide you a benefit assessment of coverage. For plan specific details, please call the Member Services number on the back of your insurance card to better understand your individual plan’s coverage.

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.

Good Faith Estimate

Under the law, health care providers are required to adhere to balance-billing* protections for individuals seeking care from providers or facilities who are either out of network for the client’s insurance plan or who do not currently have insurance coverage. This law is known as the No Surprises Act. It states that individuals as listed above are entitled to be notified of their rights when considering whether to engage the services of a provider or facility who unbeknownst to them, may not be in-network with their insurance plan. 

Emmaus will provide you with a Good Faith Estimate in writing within one business day of scheduling your appointment.

Additional Questions

Our care team’s goal is to provide you with the best possible care at Emmaus. From scheduling your sessions to handling billing inquiries, we are here to support you outside of your therapy sessions. We have compiled a listing of our most common questions around therapy sessions at Emmaus for your review.

We are happy to assist you between 8 AM and 5 PM Monday through Friday via calling 425.869.2644, ext. 0. If you do call after these hours, please leave us a confidential voicemail message and your call will be returned the next business day.

Helpful Links

• FAQs: Insurance
• Two Active Insurance Policies: Coordination of Benefits and Secondary Billing
• Insurance Definitions
• College bound dependents, what you should know.