If you plan to use insurance for your therapy sessions, we encourage you to check with your insurance provider to understand your behavioral health benefits, including out-of-network coverage and any pre-authorization requirements. While we will assist in verifying your benefits, we cannot guarantee reimbursement from your insurance company.

Important Note: When using insurance, we are required to provide a diagnosis, which becomes a part of your healthcare record. We do not accept secondary insurance for payment.

To understand your coverage, you may contact your insurance provider and ask:

Do I have mental health coverage?

What is my deductible, and has it been met?

What percentage of the session fee does my insurance cover?

What is my copay or coinsurance?

Is there a limit on the number of therapy sessions I can have per year?

Do I need pre-authorization from my physician or insurance company?

Lovejoy Therapy submits insurance claims electronically. Clients are responsible for any copay or coinsurance at the time of each session, subject to meeting applicable deductibles and other conditions set by their insurance plans.

We currently do not accept secondary insurance for payment.ake all the difference.

Aetna

Providence

Oregon Health Plan (OHP)

Medicaid

Regance BlueCross BlueShield

For many other insurance providers, Lovejoy Therapy is considered an out-of-network provider. If we are out-of-network with your plan:

You may still receive partial reimbursement from your insurance provider.

We will electronically submit claims on your behalf.

You will be responsible for your portion of the session fee at the time of your appointment.

Regardless of insurance benefits, clients are responsible for the full payment of fees.

We accept:

✔ Cash
✔ All major credit cards
✔ Credit card payments processed through our electronic health record system

Flex Plans & Medical Savings Accounts:
Many employers offer medical savings plans or flex spending accounts (FSA/HSA). Depending on your contributions, psychotherapy out-of-pocket expenses may be covered through your plan.

If you have any questions about payment or insurance, please reach out to our team—we are happy to assist!

Under the law, health care providers need to give patients who don’t have certain types of health care coverage or who are not using certain types of health care coverage an estimate of their bill for health care items and services before those items or services are provided. • You have the right to receive a Good Faith Estimate for the total expected cost of any health care items or services upon request or when scheduling such items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees. • If you schedule a health care item or service at least 3 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 1 business day after scheduling. If you schedule a health care item or service at least 10 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after scheduling. You can also ask any health care provider or facility for a Good Faith Estimate before you schedule an item or service. If you do, make sure the health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after you ask. • If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill.