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At Olympic Psychology Services, we do our best to provide superior care at the most reasonable possible cost to the client. On this page, you can learn more about our fees, and how to get the most from your insurance coverage.

Insurance and fees:

At present, we are contracted with the following insurance companies for general therapy (not for psych testing or couples therapy - see below). Please note that insurance companies frequently change their plan structures, and we may not be affiliated with all plans and networks in every company listed below:

  • For certain clients and services we accept Medicare payments, please contact us for more information.

If your insurance company is on our accepted list above:

Your insurance will be billed for service. You will be responsible for any co-payments or deductibles as stated in your insurance plan. Any co-payments are due at the time of service.*

Our standard rates are:

  • $275 for the initial "intake" appointment

  • $200 for regular therapy appointments

These rates are what we bill your insurance company; you are responsible only for your copayment(s).


Couples therapy and psychological testing are subject to separate fee structures. Click the links below for more information: 

If your insurance company is not on our accepted list above, or if you do not have health insurance:

  • You may be able to use your "out-of-network" benefits for your insurance plan that is not on the list above. Insurance companies typically reimburse 60%-80% of the costs for an out-of-network provider, although this rate varies. 

    In this case, we require payment at the time of service* and then we will submit an out-of-network claim to your insurance company, who will reimburse you at their out-of-network rate. (Please contact your insurance company to verify that you have out-of-network benefits.)


  • If you have no health insurance, or you do not wish to use your insurance, you may pay for services entirely out-of-pocket. Payment is due at the time of service.*

*Payments may be made by cash, check, debit card, credit card or HSA card. There is a $30 charge for any returned checks.

We suggest
a quick call to your insurance company to verify and/or clarify your insurance benefits.

The  6 questions to ask:

1)  Is [doctor name] in my network? (If not, skip to question #6.)

2)  Is pre-authorization for therapy required? (If so, ask for the authorization number or code.)

3)  Do I have a deductible I need to meet before my insurance starts to cover payment? If so, how much of the deductible do I still have to meet for this calendar year?

4)  How much will I pay as my copay (or co-insurance) for each visit?


5)  Is there a maximum number of therapy sessions allowed? If so, how many of these sessions have already been used?

6)  If you are using out-of-network benefits for therapy and would like to know how much your insurance company will reimburse you, ask, "What are the reasonable and customary reimbursement amounts?" You may use the codes below to help them answer:

  • The initial intake session:
       CPT code 90791

  • For therapy:
       CPT codes 90837 and/or 90834

Other important information:
  • We will bill your insurance company, we will work with your insurance company, and we can answer some questions regarding what your insurance plan will or will not cover. However, insurance companies in recent years have made their networks, plans, and coverages quite confusing, both for consumers and doctors. We unfortunately cannot always answer every question about your insurance, or foresee every snag in your coverage. Ultimately the responsibility for understanding the coverage falls on the client, and we strongly encourage you to contact your insurer.

  • Please check your deductible(s). Even if psychological services are “fully covered” by your insurance company, they will not pay if you have not met your deductible for the year (just as with any covered procedure).

  • Please be aware that your behavioral health insurance company MAY NOT be the same as your medical health insurance company. Some people have medical plans which have contracted out the behavioral health portion of the coverage to a different company.

  • Missed appointments: For general therapy, please notify us at least 48 hours in advance if you are unable to keep your appointment. Failure to provide this notice of cancellation, or failure to arrive for a scheduled appointment, will result in a full charge for the appointment. Insurance will not pay for a missed appointment. (Please note there are different policies regarding missed appointments for couples therapy, groups, and testing/evaluations.)

  • Third-party payers: We work with some third-party payers for services; for example, sometimes a school district, a liability insurance company, a law firm, a court system or another government agency is paying for services. Please contact OPS if you are in this situation.

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