MENU
Understanding how insurance works for therapy can feel confusing—but at Refresh Therapy, we aim to make it simple and stress-free. Whether you’re wondering if your plan is accepted, how billing works, or what your out-of-pocket costs might be, we’re here to guide you through every step. This post answers the most common questions about using insurance for counseling, helping you understand what’s covered, what to expect financially, and how to get started with care that fits both your needs and your budget.
What insurance does Refresh Therapy take?
Refresh Therapy in Vancouver accepts a wide range of commercial plans—Aetna, Cigna, BCBS, Premera, Kaiser, UHC, Moda, PacificSource, UMR, ComPsych, and more. However, each provider may be in‑network with different plans, so it’s recommended to confirm eligibility directly. Please check with us or your insurance provider to see if we’re in-network. Coverage varies, and clients are responsible for understanding their benefits.
Does Refresh Therapy take State or Federal Insurance Programs?
Refresh Therapy is not currently contracted with any state or federal insurance programs—this includes Medicare, Medicaid (Apple Health), Tricare, and others. We focus on partnering with commercial insurance providers. If you have questions about coverage or want help checking your policy, just reach out—we’re happy to assist!
How do I verify my insurance coverage before starting therapy?
Our office can help you verify your insurance coverage. Contact us to see if we accept your insurance, or you can contact your insurance provider directly to see if Refresh Therapy is in their network. Please be aware that each therapist with Refresh Therapy may be networked with different insurance providers. Check your policy to understand all of your potential costs and responsibilities.
What if Refresh Therapy is out-of-network with my insurance?
If we’re not in-network with your plan, you may still be able to see one of our therapists using out-of-network benefits. We’re happy to provide the necessary paperwork and guide you through the process. You can also choose to pay privately if that’s a better fit for your situation.
What happens if my insurance changes?
If your insurance plan changes—such as after a new job or open enrollment—please let us know right away. We’ll verify your new coverage, update your records, and make sure your billing continues smoothly so there are no surprises.
Key Takeaways
- Refresh Therapy accepts many commercial insurance plans. Common in-network providers include Aetna, Cigna, BCBS, Premera, Kaiser, UHC, Moda, PacificSource, UMR, and ComPsych.
- Coverage varies by therapist and plan. Always confirm with both Refresh Therapy and your insurance company to ensure your provider is in-network.
- State and federal insurance programs aren’t accepted. Refresh Therapy does not currently take Medicare, Medicaid (Apple Health), Tricare, or similar programs.
- You can still receive care if you’re out-of-network. Clients may use out-of-network benefits or pay privately, and superbills are available for reimbursement.
- Verifying your coverage ahead of time prevents surprises. Our team can help you check eligibility, copays, deductibles, and coinsurance.
- Notify us if your insurance changes. We’ll help you update your information and verify new benefits to keep billing smooth and accurate.
- We’re here to make the process easy. Whether you’re using insurance or paying privately, Refresh Therapy is committed to transparent, accessible care.
