Insurance & Payment

Q: How much do you charge for your services?

A: It depends on whether or not you have insurance coverage and want us to bill your insurance plan. We Allenmore Counseling - Preferred providers for all Western WA insurance providershave been providing counseling in the Tacoma area for many years and are contracted with most major insurance companies to charge specific rates for the services we offer. These rates vary by insurance company. If you are using your health care insurance to pay for services, you will likely have a copay, a co-insurance and possibly a deductible to pay. If you are planning to pay cash for treatment services and want to know more about our fees, please contact us at (253) 752-7320 and one of our front office professionals will be happy to discuss this with you.

Q: Do you have a sliding fee scale?

A: We are not able to offer a sliding fee scale. We have chosen to participate in a wide range of insurance and managed care plans to make our comprehensive mental health services as accessible as possible. Often non-profit agencies receive state or charitable funding which helps underwrite the costs of providing treatment services and as a result they are able to provide a sliding fee scale. As a private practice, we do not have this type of funding. We are aware of some agencies and organizations in the area that accept Medicaid plans and offer sliding fee scales. These are listed on our Community Resources page.

Q: Will my insurance cover therapy?

A: Generally, most major insurance companies cover a portion of the cost of individual therapy and only a few cover the cost of marriage or family counseling. In most cases, you will have a copay or a coinsurance amount due at the time of service. Also, most insurance plans have a deductible amount that must be paid out of pocket before your insurance will cover the cost of your healthcare. If you require more information, contact your insurance company regarding your outpatient mental health coverage.

Q: What insurance panels are your counselors and ARNPs on?

A: We participate in the major insurance panels in our area to make our services accessible to as many individuals residing in the South Puget Sound region as possible. Not every one of our providers participates in every panel. If you have questions about which panels specific providers participate in, please contact us at (253) 752-7320. While not necessarily comprehensive, the follow is a list of insurance panels in which our providers participate (and whom we bill for services):

  • AARP (if on Medicare)
  • Aetna
  • Cigna
  • First Choice
  • Humana/LifeSynch
  • Labor & Industries
  • Medicare
  • MHN
  • Northwest ONE (KPS)
  • PacificCare Behavioral Health
  • Premera Blue Cross PPO (Lifewise)
  • Regence
  • United Behavioral Health
  • United Healthcare / Tricare

What is the difference between a copay and co-insurance?

A: A copay is the minimum amount you are expected to pay at the time of service or at each appointment. The copay is often less than the coinsurance. The co-insurance is the percentage of the charges which the policy holder is responsible for paying for the services rendered. Most health insurance policies pay only a percentage of the cost of a given service provided and the policy holder must pay the remaining amount. For example, if the cost of service is $100 and an insurance plan pays 80%, the insurance plan would pay $80 dollars and the policy holder would be responsible for paying the remaining $20. This amount is what is termed the co-insurance. The copay paid at the time of service is separate from and often less than the total co-insurance owed by the policy holder.