Fees and insurance
What Therapy Costs, and How to Use Insurance or Your HSA
Individual therapy is $170 and couples therapy is $180. I accept nine insurance plans, HSA cards, and all major credit cards.
In short
Individual therapy sessions are $170 and couples sessions are $180. I accept nine insurance plans, including Aetna, Premera Blue Cross and Regence, plus Visa, Mastercard, American Express, Discover and HSA cards. Therapy is generally an eligible HSA expense. Insurance coverage varies by plan, so confirm your benefits before we start.
Insurance
Insurance plans I accept
Insurance coverage can vary depending on your specific plan and benefits. I recommend contacting your insurance provider to confirm your mental health benefits, coverage, and any copay or deductible before beginning therapy.
- Aetna
- Aetna EAP
- Anthem
- Blue Cross Blue Shield
- LifeWise
- Premera Blue Cross
- Regence
- UnitedHealthcare
- Optum EAP
Before your first session
How to check your coverage
- 1
Call your insurer
Use the member services number on the back of your card and ask about your outpatient mental health benefits.
- 2
Ask three questions
Is outpatient therapy covered? What is my copay or coinsurance? Have I met my deductible for this year yet?
- 3
Book a free consult
Once you know your benefits, send a short request. We'll talk through fit and any questions you have about cost.
Paying
Paying without insurance, and using an HSA for therapy
Cards
I accept Visa, Mastercard, American Express and Discover.
HSA
You can pay with your Health Savings Account card. Therapy is generally an eligible medical expense under IRS rules, but check with your HSA administrator if you're unsure.
Good Faith Estimate
If you're not using insurance, you have the right to receive a Good Faith Estimate of what your care will cost. You can ask for one before we start. Read the Good Faith Estimate notice.
Where to go next
Questions people ask
Before you reach out
Still wondering?
A free 15-minute call is the easiest way to ask anything this page doesn’t answer.
425-470-3874
sophie@freimarktherapy.com
Can I use my HSA for therapy?
Yes, I accept HSA cards. Under IRS rules, therapy for mental health is generally an eligible medical expense. Your HSA administrator has the final say on your account, so if you're unsure, check with them before your first session.
Is couples therapy covered by insurance?
Sometimes. Some plans cover couples sessions, and others only cover therapy that treats a diagnosed condition for one person. The best way to know is to call your insurer and ask specifically about couples or family therapy. I'm happy to help you figure out what to ask.
What if my insurance plan isn't on your list?
Reach out anyway. I can provide a superbill, a receipt you can submit to your insurance for possible out-of-network reimbursement. Whether your plan reimburses is between you and your insurer, so check with them first. You can also pay by card or HSA.
How much does therapy cost without insurance?
Individual sessions are $170 and couples sessions are $180, and each one is 53 minutes. If you pay without insurance, you're entitled to a Good Faith Estimate of expected costs. You can pay by Visa, Mastercard, American Express, Discover or HSA card.
Do you offer a free consultation?
Yes. Before we schedule a first session, we can have a free 15-minute consultation to talk about what's bringing you in and whether I feel like a good fit. It can be just you or, for couples, both of you together.
Questions about fees or insurance are welcome. I'm happy to help you understand your options.
Telehealth anywhere in Washington