Fees & Insurance

Insurances Accepted for Therapy

How to find a Therapist that accepts insurance in Washington State? Excellent question. Let us help! Here at Lakewood Child and Family Counseling, most clients prefer to pay privately for mental health therapy services. Therefore, we offer a few Therapists that accept insurance for therapy in WA. Some of our Therapists are in-network with the following insurance providers:

• Premera Blue Shield of WA
• Regence Blue Cross in WA
• First Choice Health Network – FCHN
• Kaiser PPO and HMO (all plans)
• Molina Marketplace Plans
• Lifewise Insurance of WA
• VA CCN (with referral only)
• Tricare Select
• Tricare Prime
• and more!

Important Insurance Information

• Most union insurance plans, like ILWU are covered under First Choice Health Network (FCHN) or Premera/Regence.
• We do not accept Aetna, Cigna, United Healthplan, or Optum unless you use out-of-network benefits or private pay for sessions.

Out-of-Network Benefits

If we are not an in-network provider with your insurance, you may still have coverage. Often through your out-of-network benefits. We can provide a superbill that you can submit to your insurance company for possible reimbursement. We encourage you to check with your insurance provider to understand your out-of-network mental health therapy or behavioral health care coverage. Every plan calls it something a little different.

How Out-of-Network Billing Works

1. You pay for your sessions upfront.
2. We provide a superbill (detailed receipt) to submit to your insurance company regarding your Therapy Services.
3. Your insurance provider may reimburse you directly based on your plan’s out-of-network benefits.

We encourage you to contact your insurance provider to understand the specifics of your out-of-network coverage. Ask them about Therapy or Behavioral Health Services that are out-of-network. Ask them what they cover. If you are still unsure, call us. We know the plans we accept and how they work for Online Therapy services in the puget sound area of WA!

Private Pay Rates

For clients not wishing to use insurance for Therapy, our private pay rates are as follows:

• Intake Session (Session 1): $200 per session
• Individual Therapy: $180 per session

Payment Methods

We accept the following forms of payment:

• Credit/Debit Cards through our 100% confidential online Therapy Portal
• Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

Cancellation Policy

In order to provide you the best possible Therapy services and Therapist with availability in Washington state, we do require at least 24 hours’ notice for cancellations or rescheduling therapy sessions. If you cancel late or miss your appointment, without notice, your therapist cannot help you or anyone like you waiting for an opening.  We therefore, we charge the regular fee for missed visits.  We would much prefer to be working with you or helping another who is waiting. Therefore, if you cannot make your visit please inform us. To be helpful in this process, we send reminder texts 24 hours before  your scheduled session. We also send an emails 48 hours in advance to help you keep track. See you in your next Therapy session.

Good Faith Estimate

LCFC included a Good Faith Estimate detailing the expected costs of your mental health services in your Therapy intake paperwork. This estimate ensures transparency and helps you plan for the financial aspect of your therapy journey.

Therapist that accepts Insurance in Washington, with us it’s easy!

The steps to using your insurance are easy! Simply follow these steps:

1. Verify Coverage: Contact your insurance provider about mental health benefits, copays, deductibles, and out-of-pocket costs. They may call it Behavioral Health Care Coverage, just incase.
2. Provide Insurance Information: When scheduling your first appointment, have your insurance details ready. Plan name and numbers, Plan Sponsor information (self, spouse, parent), etc.
3. Check Referral Requirements: Some insurance plans, like VA CCN, require a referral. Ask them for 6 months of sessions to Lakewood Child and Family Counseling in Lakewood WA.

If you need assistance verifying coverage, our administrative team is happy to help guide you through the process. Especially, if you get stuck or hit a road block!