Fees & Insurance
Cognia Health is in-network with most major Blue Cross Blue Shield plans. We also offer private-pay options and out-of-network superbills for patients who prefer not to use insurance.
Accepted Insurance Plans
We are in-network with the following plans:
- Premera Blue Cross
- Regence BlueShield
- Anthem Blue Cross Blue Shield
- First Choice Health
- Most plans under Blue Cross Blue Shield
We verify your benefits before your first appointment. Copays and deductibles vary by plan and are collected at the time of service.
Out-of-Network Reimbursement
If your plan is not listed above, you may still be able to receive reimbursement through your out-of-network benefits. After each appointment, we provide a superbill, a detailed receipt that includes the diagnosis codes, procedure codes, and provider credentials your insurance company needs to process an out-of-network claim. You submit the superbill directly to your insurer.
Questions to ask your insurance company
Out-of-network reimbursement depends on your specific plan. Before your first appointment, contact your insurer and ask:
- Do I have out-of-network mental health benefits?
- What is my out-of-network deductible, and how much have I met?
- What percentage does the plan reimburse after the deductible?
- Do I need prior authorization for outpatient psychiatric services?
Reimbursify is a platform that can help you submit out-of-network claims to your insurer. Visit Reimbursify
Private Pay
We welcome patients who prefer to pay out of pocket without using insurance. Current fees are listed on the Good Faith Estimate page.
Medicare
Cognia Health has opted out of Medicare. Medicare patients are seen under a private contract, which means Medicare will not reimburse any portion of the fees. This must be agreed to in writing before services begin.
Payment
Copays, coinsurance, and self-pay fees are collected at the time of service. We accept all major credit and debit cards. Payment is processed securely through Stax.
Frequently Asked Questions
Cognia Health is in-network with most major Blue Cross Blue Shield plans, including Premera Blue Cross, Regence BlueShield, and Anthem Blue Cross Blue Shield, as well as First Choice Health. We verify your benefits before your first appointment so you know your copay or deductible in advance. If your plan is not one we accept, you can still be seen as a private-pay patient.
You can still be seen. We offer private pay, and after each visit we provide a superbill you can submit to your insurer for any out-of-network reimbursement your plan allows. The out-of-network section above lists the questions to ask your insurance company before your first appointment.
A superbill is a detailed receipt for a visit. It includes the diagnosis codes, procedure codes, and provider credentials your insurance company needs to process an out-of-network claim. You submit the superbill directly to your insurer, and they reimburse you according to your out-of-network benefits.
It depends on your plan. Many plans cover telehealth psychiatric visits on the same basis as in-person visits, and when Cognia is in-network with your plan, a telehealth visit is billed like any other in-network visit. Coverage still varies, so if you are unsure, ask your insurer whether outpatient telehealth mental health services are covered.
Current private-pay fees for evaluations and follow-up visits are listed on the Good Faith Estimate page. Out-of-network costs depend on your plan deductible and reimbursement rate, so the amount you ultimately pay varies. Copays, coinsurance, and self-pay fees are collected at the time of service.
No. Cognia Health has opted out of Medicare. Medicare patients can be seen under a private contract, which means Medicare will not reimburse any portion of the fees. This agreement must be signed in writing before services begin.