Insurance & Fees

Health insurance is complex, difficult to understand, and, let’s be honest, often frustrating. While we at Anarres cannot change how the insurance industry operates, we are committed to helping you understand your benefits as clearly as possible. Please reach out with any questions! We are happy to help you navigate your coverage so you can focus on getting care, not decoding paperwork.

Is Anarres in-network with my insurance?

Anarres Seattle is currently in-network with the following insurance providers: Premera, Regence, Kaiser (Core/HMO & PPO), First Choice Health, Cigna, and Aetna.

Additionally, Katie Jo is also in-network with UBH/United/Optum.

We are actively working to establish contracts with Coordinated Care, Molina, and Ambetter (Medicaid plans). Expanding access to care is important to us, and we continue to advocate for broader coverage options.

How do I check whether you are in-network with my insurance?

Insurance companies often subcontract mental health benefits, so the most reliable way to verify your coverage is to call the number on your insurance card and ask whether we are in-network using our Tax ID: 81-4508764. We understand that navigating this process can be complicated, and we are happy to help if you have any questions.

How much will I pay per session?

This is a common question, and the answer highlights how complex insurance can be to understand.

If we are in-network with your plan, you will typically pay one of the following:

Your deductible, or
A co-pay or co-insurance amount once your deductible is met.

A deductible is a set amount (often $500–$3,000) that you must pay for healthcare services before insurance begins to share the cost.

For example:
If your deductible is $500 and the contracted session rate is $120:

You would pay $120 for the first four sessions, totalling $480 total.
For the fifth session, you would pay $20 to reach your $500 deductible.

After meeting your deductible, you would only pay your co-pay or co-insurance for each session. If you receive other medical care during this time, those payments usually count toward your deductible as well.

There is a chance that your deductible may not apply to mental health services. The best way to determine if CPT codes apply to your deductible, we encourage you to contact your insurance provider.

How can I determine my deductible, co-pay, or co-insurance amount?

You have two options to check your benefits:

Visit your insurance company’s member portal or call your insurance company, or
Contact us, and we will do our best to help you understand your coverage.

The most commonly billed CPT code is 90837, which represents a standard outpatient therapy session and may be useful when reviewing your coverage details.

What are my options if I have a large deductible?

High deductibles can make starting therapy feel overwhelming. If this is your experience, we encourage you to talk with us! While we must follow insurance contracts regarding what is owed, we can often help arrange payment timing to make costs more manageable.

If you anticipate not meeting your deductible during the year, you may choose to decline using insurance and discuss a sliding-scale rate with your clinician instead. Please note that if you opt out of insurance for the year, we cannot begin billing that same plan mid-year. You may resume using insurance the following year or if you switch to a new plan.

Do you offer sliding-scale services?

Yes! We believe therapy should be accessible and offer sliding-scale options when our clinicians have availability. While space is limited, we encourage you to contact the clinician you’re interested in working with. If they do not have openings, we will do our best to connect you with another provider or referral.

Do clinicians make a lot of money? Why does therapy cost what it does?

This is an important and common question.

While the session fee can look high, most clinicians are not paid their full session rate. The majority of our clients use insurance or sliding-scale options, and insurance reimbursement rates are often much lower than people expect. For each session, the practice must cover health benefits for our staff, liability coverage, office rents, taxes, and the many unseen parts of providing ethical, high-quality care.

Clinicians also spend significant unpaid time on documentation, coordination, training, and consultation so that clients receive thoughtful, responsible care. Because of this, a full-time caseload is typically around 20 sessions a week - not 40 hours of back-to-back appointments.

At Anarres, we believe both clients and clinicians deserve better. We actively negotiate with insurance companies to secure better reimbursement rates, enabling us to continue improving clinician compensation while keeping therapy accessible.

Our goal is to balance three things that are often in tension: affordability, sustainability, and excellent care - for the people we serve and the clinicians who serve them.