Fees, Plus Answers To Your Frequently Asked Fee & Insurance Questions

Counseling Fees

  • Initial Intake Appointment $200

  • Individual and Family Counseling :

    50 Minute Session $180

    80 Minute Session $275

    Payment is due at time of service. I accept cash, check, credits cards, FSA (Flex spending accounts) and HSA (health saving accounts). Harmony Counseling requires a credit card to be kept securely on file in case of no-show fees. Most clients elect to charge that credit card so payment isn’t an issue during session.

    I recognize that the cost of therapy can be prohibitive for most people. If the cost of therapy or lack of insurance benefits coverage is a barrier for you, please do not let that deter you. I have a number of sliding scale/reduced fee spots available for those with demonstrated financial need. Please contact me with further questions.

Do You Take Insurance?

Yes. I am an in-network provider with the following insurance companies. If your insurance is not listed, I am considered an out-of-network provider

  • Pacificsource

  • Aetna

  • First Choice Health

  • Out of Network (see Your Rights & Protections Against Surprise Medical Bills below)

How Do I Know What My Insurance Will Cover?

To find out what your insurance may cover, contact your insurance and ask if you have mental health coverage. If you need to provide a “CPT code” or a “service code” you can provide the following codes:

  • Initial Intake Appointment- CPT 90791

  • Individual Therapy- CPT 90837

  • Individual Therapy- CPT 90834

  • Family Therapy (Without client present)- CPT 90846

  • Family Therapy (With client present)- CPT 90847

    (Couples counseling is rarely covered by insurance benefits and is most often paid our of pocket)

You may also want to mention the type of license that I have to ensure services with my type of credential are covered. I am a LMHC or Licensed Mental Health Counselor (LH61014339) in the state of Washington. Other things you may want to ask about are:

  • What your deductible is

  • What your co-insurance payment will be

  • How many visits you get per year

  • If you need authorization for your visits

  • Details on how to submit a superbill

Contact me if you would like more guidance on how to figure out what your insurance will cover.

What Is Your Cancellation Policy?

To cancel a scheduled Counseling session, a minimum of 48 hours in advance of your session is required. If prior and timely notification is not given, you will be charged the full session fee for the missed session. Please note that there are no fees assessed for cancellations due to sickness. If you are sick or have been exposed to COVID, please do not come to your session.

Your Rights and Protections against Surprise Medical Bills

(OMB Control Number: 0938-1401)

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs,   such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

Out-of-network describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called balance billing. This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

Surprise billing is an unexpected balance bill. This can happen when you can’t control who is involved in your care – like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:
Emergency services
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you unless you give written consent and give up your protections.

You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s 

When balance billing isn’t allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.

Your health plan generally must:

Cover emergency services without requiring you to get approval for services in advance (prior authorization).

  • Cover emergency services by out-of-network providers.

  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.

  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you’ve been wrongly billed, you may contact: 
Washington Department of Health 
Phone number: 360-236-4700
Fax number: 360-236-4818
Email address: hsqa.csc@doh.wa.gov

Visit https://www.cms.gov/files/document/model-disclosure-notice-patient-protections-against-surprise-billing-providers-facilities-health.pdf for more information about your rights under Federal law.

Take The Next Step Towards Getting Help

Let's discover how I can help. Email me at katie@myharmonycounseling.com to schedule a free 10 minute consultation call. During our first call, you can share a little bit about what is going on, I can answer any questions you might have, and we can figure out if I would be the best fit to help you work through that.