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 accept the following insurance plans:

  • We do not currently contract with Medicaid. However, we are currently in the process of contracting with Medicare; this process may take several months.

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 as stated in your insurance plan. Any co-payments are due at the time of service.*

Our standard rates (what we bill your insurance company, in-network or out-of-network) are $225 for the initial "intake" interview, and $175 for subsequent appointments.

For couples or marital therapy fees, please see our couples therapy page.

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. For out-of-pocket payers, we offer a discounted therapy rate of $200 for the initial "intake" interview, and $160 for subsequent appointments. 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.

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, ultimately the responsibility for  understanding the coverage falls on the client.


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


  • Missed appointments: 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 $100 fee. Insurance will not pay for a missed appointment.


  • 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 a psychological assessment. Please contact OPS if you are in this situation.


  • For more complete details regarding fees and payments, click HERE to see our office policies.

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

The 5 questions to ask:

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


  • 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?


  • Is there a maximum number of therapy sessions allowed? If so, how many of these sessions have already been used? (Or, if asking about psychological testing, is there a maximum number of units that can be billed?)


  • If seeking couples or marital therapy, does my insurance cover this as a benefit? (Many health insurance companies deem couples therapy as not “medically necessary,” click HERE for more information.)


  • If you are using out-of-network benefits, ask,  "What are the reasonable and customary amounts covered for the services I need?"

    • The initial intake session:
         CPT code 90791

    • For therapy:
         CPT codes 90837 and/or 90834

    • For psychological testing: 
         CPT codes 96130, 96131, 96132, 96133, 96136, and/or 96137



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