Fees & Insurance
Cognia Health is a private-pay practice. We do not bill insurance directly. Most patients pay at the time of service and submit their own claims for out-of-network reimbursement.
Service Fees
Current fees are listed on the Good Faith Estimate page. Fee schedule updates are in progress and will be reflected there when finalized.
Using Your Insurance
We are a private-pay, out-of-network practice. We do not accept insurance assignments, verify benefits on your behalf, or submit claims to insurance companies or health plans.
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.
What reimbursement looks like in practice
Out-of-network reimbursement depends entirely on your specific plan. Before your first appointment, contact your insurance company 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?
We are credentialed with Premera Blue Cross, Regence BlueShield, and First Choice Health. Being credentialed with these plans means they recognize our provider credentials when processing out-of-network claims -- it does not mean we are in-network or that we bill them directly.
Reimbursify is a platform that can help you submit out-of-network claims to your insurer. Visit Reimbursify
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
Payment is collected at the time of service. We accept all major credit and debit cards. Payment is processed securely through Stax.