Using Your Health Insurance
Health insurance can be tricky... we are here to help!
We have an incredible Family Financial Liaison, Michele, on site to help talk you through your insurance benefits and how that applies to your child's services. Every plan is different and we are here to help you! Michele can be contacted by calling our number: 360-989-7347, option 3.
It is recommended that you call your insurance company before coming to your child's first session to ask if speech and/or occupational therapy is a covered service under your plan.
Please know that information provided during verification of insurance, does not guarantee that your insurance will cover or pay for services. Coverage and payment are not determined until the claim is received and processed by your insurance carrier. Copays, private pay, and non-covered services are due at time of service.
No Surprises Act – Good Faith Estimate
Effective January 1, 2022, you have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
We have an incredible Family Financial Liaison, Michele, on site to help talk you through your insurance benefits and how that applies to your child's services. Every plan is different and we are here to help you! Michele can be contacted by calling our number: 360-989-7347, option 3.
It is recommended that you call your insurance company before coming to your child's first session to ask if speech and/or occupational therapy is a covered service under your plan.
Please know that information provided during verification of insurance, does not guarantee that your insurance will cover or pay for services. Coverage and payment are not determined until the claim is received and processed by your insurance carrier. Copays, private pay, and non-covered services are due at time of service.
No Surprises Act – Good Faith Estimate
Effective January 1, 2022, you have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
- You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and medical visit charges.
- Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule at item or service.
- If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
- Make sure you save a copy or picture of your Good Faith Estimate.
What insurances are you in-network with? |
We currently accept and are in-network with: Regence BlueCross BlueShield, Regence Group Administrators (RGA), Federal BCBS, Premera, Cigna, Kaiser Added Choice (PPO plan), Asuris Northwest Health, BridgeSpan, EBMS, First Choice Health Insurance, LifeWise, Tricare West, Meritain, PacificSource (excluding Legacy Employee plan), Molina (referral required) and Moda (certain plans). We are constantly adding more insurances, so please call to verify.
We will also submit claims to certain insurance companies as an out-of-network provider. We are accepting private pay at this time, through check, credit, or debit cards. |
Will my insurance cover therapy? |
As a courtesy to our families, we may contact insurance plans to ask if speech and/or occupational therapy is a covered benefit of the plan. It is still the family's responsibility to know about their insurance plan benefits and pay any non-covered services.
We also encourage families to call their insurance company to inquire about covered benefits. |
What happens if I need to cancel? |
Your child's therapy session time is held exclusively for your child. If you need to cancel, you must provide at least a 24 hour notice by calling 360-989-7347, option 3. If you notify us within 24 hours of your session time (excluding emergencies) or do not show at your appointment time, you will be responsible for a $50 late/no show fee. Insurance does not cover this cost. If attendance is <80%, we will discuss another option for treatment delivery called our Flexible Scheduling list.
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Common insurance definitions:
Deductible: amount of money that must be paid before insurance will pay anything
Co-Pay: The set dollar amount you pay for a covered health care service at the time you get care
Co-insurance: The percentage of the costs of a covered health care service you pay after you've paid your deductible. You pay 100 percent of the full allowed amount until you meet your deductible.
Out of Pocket Max: The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copays and coinsurance, your health plan pays 100 percent of the costs of covered benefits. The out-of-pocket maximum doesn't include your monthly premium payments or anything you spend for services your plan doesn't cover.
Visit Limit: The amount of visits a health insurance plan allows
Authorization: some insurance plans require authorization from the insurance company to provide a service. If you know your plans requires authorization, please communicate that to our staff.
Co-Pay: The set dollar amount you pay for a covered health care service at the time you get care
Co-insurance: The percentage of the costs of a covered health care service you pay after you've paid your deductible. You pay 100 percent of the full allowed amount until you meet your deductible.
Out of Pocket Max: The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copays and coinsurance, your health plan pays 100 percent of the costs of covered benefits. The out-of-pocket maximum doesn't include your monthly premium payments or anything you spend for services your plan doesn't cover.
Visit Limit: The amount of visits a health insurance plan allows
Authorization: some insurance plans require authorization from the insurance company to provide a service. If you know your plans requires authorization, please communicate that to our staff.