Clarity Counseling Seattle

Rates, Payment, and Insurance Questions

Rates, Payment, and Insurance Questions

Standard Rates

We understand that therapy is an investment, and our therapists are committed to helping you get the most from it.
The standard 50-minute appointment rates are:

Emma, Misa, Corey, Lisa: $175 for both individuals and couples/relationships
Hyacinth: $185 for individuals, $195 for couples/relationships
Rosa, Maggie, and Lindsey: $195 for both individuals and couples/relationships
Justin: $195 for individuals, $215 for couples/relationships
 

Payment

All payments are handled through our secure client portal. We can accept all major credit and debit cards, including HSA (Health Savings Account) and FSA (Flexible Spending Account) cards. These accounts can often significantly reduce your out-of-pocket costs, as therapy is typically a qualified expense.
 

Insurance for Individual Therapy

We are an out-of-network provider, so most of our therapists are able to give monthly superbills (invoices) to individual clients who wish to submit for possible reimbursement, which most of our individual clients do. Coverage varies by plan, so we recommend contacting your insurance provider to understand your out-of-network benefits. Apps like Reimbursify can also streamline the claims process.

Involving health insurance into your care can actually be a tricky and possibly impactful decision (a lot happens behind-the-scenes when insurance is in-play that you'll want to be aware of), so to support your decision-making we provide a brief waiver that outlines important considerations when using insurance for therapy — including relinquishing privacy, and insurance's requirement of you having a diagnosed mental illness.
 

Insurance for Couples Therapy, and why it's rarely covered

We’re often asked: “Do you take our insurance for couples or relationship counseling?” And the answer is complicated — but important to understand.

Even if your insurance representative says couples therapy is covered, they’re usually referring to this very specific scenario:

  • One partner is officially diagnosed with a mental illness (the “identified patient”),
  • The couples therapy sessions are focused solely on treating that person’s mental illness,
  • The other partner is attending couples therapy only to support their partner's treatment.

This is the only situation in which couples counseling is typically covered by insurance. The focus is on one person's medical necessity — not the relationship itself.

But here’s the issue: most couples don’t come to therapy for this. Instead, they're seeking support for communication, emotional connection, trust, intimacy, parenting, conflict...all the many reasons why our relationships need help...but none of these qualify as a billable mental illness in the eyes of insurance companies. Insurance created the term “medical necessity” to express that they only cover the treatment of someone's diagnosed mental illness...not their relationship struggles.

Additionally, using insurance for relationship work inappropriately (e.g., by assigning a diagnosis just to get coverage) could constitute insurance fraud. That’s not a risk we’re willing to take — for your protection or ours.

And lastly, we believe it’s important for clients to understand that if a mental health diagnosis is submitted to an insurance company, that diagnosis becomes part of the patient’s permanent medical record. This can have future implications when applying for life insurance, long-term care insurance, military service, law enforcement, firefighting roles, or pilot licenses.

We know this may be frustrating to hear. We wish insurance worked differently — but we’re committed to transparency and ethical care. Our couples therapy sessions range from $175 to $215, which reflects the specialized training our team brings to relationship work.

If you have questions, please feel free to reach out. We’re happy to clarify any part of this.
 

Good Faith Estimate

A Good Faith Estimate of costs is available at the time of scheduling or upon request, in accordance with the No Surprises Act.

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