Insurance & Access to Therapy

At Dream Life Out Loud, we are committed to making quality therapy accessible to individuals, couples, and families by participating with several major health insurance plans. Our goal is to help you understand how using your insurance works and how we partner with you throughout the process.

We verify your benefits before your first appointment so that you have clarity about coverage, copays, coinsurance, deductibles, and any limits your plan may have on mental health services.

HOW USING INSURANCE WORKS

Step 1

Insurance

Verification

Using the insurance details you provide, our team verifies your coverage, including your in-network status, applicable deductibles, copays, coinsurance, and any authorization requirements.

Step 2

Schedule

Session

Once your benefits are verified, we’ll schedule your first visit. During that session, we’ll review your anticipated out-of-pocket costs and go over our cancellation policies.

Step 3

Claims Submission

After your session, we submit claims to your insurance carrier based on the benefits we’ve verified. Insurance companies may take several weeks to process claims and return payment information.

Step 4

Claim Outcome

Claims may be accepted, denied, or partially paid. This helps us refine your actual coverage and determine how future billing will occur.

Step 5

Ongoing Billing

Assuming claims are processed with minimal errors, we continue to bill your insurance according to the plan benefits and any updated information.

Let's Get Started

INSURANCES WE ARE CURRENTLY IN-NETWORK WITH

We are committed to making quality therapy accessible to individuals, couples, and families by participating with several major health insurance plans. Our goal is to help you understand how using your insurance works and how we partner with you throughout the process.

We verify your benefits before your first appointment so that you have clarity about coverage, copays, coinsurance, deductibles, and any limits your plan may have on mental health services.

We are proud to be in-network with the following providers (subject to change with contract updates):

(This list is illustrative; your specific in-network payers should be listed here and updated regularly.)

We also provide superbills for clients to submit to their insurance carrier for potential reimbursement if we are out-of-network with your plan or if you choose not to use in-network benefits.

Understanding Your Insurance Benefits

Because insurance plans vary widely, we encourage you to:

Call the number on the back of your insurance card to confirm your mental health benefits
Ask how many therapy sessions are covered per year
Confirm whether your plan requires authorization or referral
Clarify whether telehealth services are covered

You are always responsible for the portion of services that your insurance does not cover.

Coordination of Benefits

If you have more than one insurance plan (e.g., primary and secondary), we’ll need information on both. In many cases, secondary plans may reimburse out-of-pocket costs after the primary plan.

Because coordination of benefits can be complex and unique to your situation, verifying primary vs. secondary status directly with each carrier is helpful.

Our Role & Your Responsibility

We do our best to help you understand your insurance benefits, but we are not able to guarantee coverage or payment. Final determinations are made by your insurance carrier.

If you have questions about your plan’s benefits, we recommend reaching out directly to your insurer with the member services number on your card for the most accurate information.

Have more questions? Read our FAQs

What insurance plans do you accept?

We accept several major in-network plans, including Premera, LifeWise Health Plan of Washington, First Choice Health Network (FCHN), PacificSource Health Plans, and Providence Health Plan. We verify your specific plan before scheduling your first session.

What if I have a plan that you’re not in-network with?

We can provide you with a superbill, which you may submit to your insurance carrier for possible reimbursement under your out-of-network benefits.

Will therapy be fully covered?

Coverage depends on your specific plan. Some plans cover many sessions, others have limits or require authorization. We always verify benefits first, but you are ultimately responsible for any uncovered charges.

Do I have to pay upfront?

A credit card on file is required. We process insurance claims on your behalf. Any copays, coinsurance, or deductible amounts not covered by insurance are your responsibility and are typically collected at the time of service.

How many sessions are covered by my plan?

This varies by plan. Some insurance companies limit the number of therapy visits per calendar year or require authorization for continued treatment. Contact your insurer directly to inquire about session limits.

How long does insurance take to process claims?

Insurance companies generally take several weeks to respond to claims. We will let you know if there are any issues that affect coverage or payment.

Can I choose which plan to use if I have more than one?

Typically, the carrier determines which plan is primary and which is secondary. We need information on all active plans to coordinate benefits accurately.