Practice Details
Fees & FAQ
Everything in one place: session rates, insurance and superbills, payment methods, and answers to the questions I hear most often.
Private Pay Therapy
$210
per 50-minute session
- Full confidentiality — no session notes or records shared with an insurer
- No required insurance diagnosis on your permanent record
- Treatment pacing tailored to your goals, not a plan's authorization schedule
HSA/FSA cards, credit cards, and debit cards accepted. Free 15-minute consultation included at no cost.
Coverage & Superbills
Insurance & Reimbursement
In-network plans accepted:
- Premera Blue Cross
- LifeWise Health Plan of Washington
Your sessions are covered based on your plan’s specific copay or deductible structure. During your free 15-minute consultation, I’ll collect your Premera or LifeWise member details to verify your exact coverage before your first full session.
All other carriers: I provide automatic monthly Superbills (itemized receipts) you can submit to your PPO plan for out-of-network reimbursement.
HSA/FSA & Payment Methods
Therapy is a qualified medical expense, so HSA and FSA cards can be used directly for session fees. Credit and debit cards are also accepted, and payment is handled securely through my client portal at the time of service. Keep your monthly superbills as documentation for your plan administrator.
Your Right to a Good Faith Estimate
Under the No Surprises Act, you have the right to receive a Good Faith Estimate explaining the total expected cost of your non-emergency care, including psychotherapy sessions. You will receive an estimate before starting services and at any point upon request. For more information, visit cms.gov/nosurprises.
Ready to Take the Next Step?
Whether you plan to use Premera/LifeWise insurance or private pay, our work begins with a free 15-minute consultation.
Schedule ConsultationWhy private pay works in your favor
- Enhanced privacy — no session notes or records shared with an insurer
- Zero mandatory medical diagnosis on your permanent record
- No insurance session caps or externally imposed treatment limits
- Care planned around your goals, not a plan's authorization schedule
- Longer or more frequent sessions available when clinically useful
How billing works — both paths
Select a step to see the details for in-network and private-pay clients.
Step 1 detail
If you have Premera Blue Cross or LifeWise Health Plan of Washington, we verify your benefits in advance and you simply pay your plan's standard copay. If you have another carrier, call the member services number on your card and ask about your out-of-network outpatient mental health benefits, deductible, and reimbursement rate for CPT code 90837.
Estimate Your Out-of-Network Cost
Most PPO insurance plans reimburse 50% to 80% of session costs via superbills after your deductible is met.
Your deductible is what you pay out of pocket each year before out-of-network benefits begin. Call your insurer and ask how much of it has been met.
Deductible already met — no sessions needed.
Typical PPO out-of-network rates fall between 50% and 80%.
Your net cost
~$63
per session
Insurance reimburses
~$147
per session
This tool provides estimates for planning purposes only. Actual reimbursement depends on your specific insurance policy and allowed amounts.
Frequently Asked Questions
Everything You Need to Know About Sessions
Clear, transparent answers about out-of-network benefits, scheduling, and what to expect.
Fees & Insurance
Telehealth & Scheduling
Therapy Approach & Fit
Have a question not answered here? Send a message to hello@emilyricecounseling.com or schedule your free 15-minute consultation.
Schedule Consultation