Insurance & Fees

At Ruston Therapy, we want the process of beginning care with us to feel transparent, supportive, and easy to understand.

Q: What insurance does Ruston Therapy accept?

Ruston Therapy accepts Premera, Regence, Cigna, United Healthcare, Aetna, Kaiser Permanente, First Choice Health, Optum, Tricare, Spring Health, and Lyra.

Q: Do you provide a Good Faith Estimate?

Yes, we provide Good Faith Estimates for private pay clients as required by law.

Q: Can I use my out-of-network insurance benefits?

Yes, you can use out-of-network benefits. We provide a Superbill, which is a detailed receipt you can submit to your insurance company for reimbursement based on your plan's out-of-network benefits.

Q: How does billing and payment work at Ruston Therapy?

We securely collect a card on file for all clients. Copays and coinsurance amounts are charged at the time of your visit. Private pay session fees are processed on the day of service. If insurance processes a claim differently than expected, we'll notify you of any balance once we receive the Explanation of Benefits (EOB).

Below is helpful information about how insurance works, how we handle payments, and what to expect with fees so you can focus on your well-being first.

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What insurance does Ruston Therapy accept?

We are in-network with many major insurance providers for therapy in Washington, Florida, and New York (coming soon!).

Some examples include Premera, Regence, Cigna, UnitedHealthcare, Aetna, Kaiser Permanente, First Choice Health, Optum, and Tricare.

Insurance coverage varies by plan, and what your plan covers depends on your individual policy. Your copay, deductible, and coinsurance responsibilities will be based on your specific benefits.

How does Ruston Therapy verify my insurance benefits?

Before your first session, our team verifies your insurance benefits so you know what to expect financially.

This includes:

Your current deductible status
Estimated copay or coinsurance amount
Any visit limitations or authorizations required

We’ll share this information with you before your intake whenever possible so you can make a confident decision about your care.

_{Please note:}_{Insurance estimates are not a guarantee of payment. Final responsibility lies with your insurance carrier and your policy.}

What are your private pay rates for therapy?

Do you provide a Good Faith Estimate?

We understand that insurance isn’t always the right fit for everyone. For clients who choose private pay, rates vary depending on the provider and session type. We’ll discuss specific private pay rates with you during your free consultation so you have full clarity before you begin.

Private pay can offer more flexibility and privacy, and we’re happy to answer any questions about what might work best for you.

Can I use my out-of-network insurance benefits?

What is a Superbill and how do I use it?

A Superbill is a detailed receipt you can submit to your insurance company for reimbursement based on your plan’s out-of-network benefits.

If your plan is not one we’re in-network with, you may still have out-of-network coverage.
We can provide a superbill upon request.

We recommend contacting your insurer to ask:

Do I have out-of-network mental health benefits?
What percentage will be reimbursed?
Is there a deductible?
How do I submit claims?

How does billing and payment work at Ruston Therapy?

To make scheduling and billing easier and more seamless, we securely collect a card on file for all clients.

Copays and coinsurance amounts are charged at the time of your visit.
Private pay session fees are processed on the day of service.
If insurance processes a claim differently than expected, we’ll notify you of any balance once we receive the Explanation of Benefits (EOB).

Having a card on file allows us to reduce later billing issues and keep your account up-to-date so you can stay focused on care.

What is the Ruston Therapy cancellation policy?

Cancellation policies vary by provider and are reviewed with you during your initial consultation or intake session.

We ask for advance notice if you need to reschedule so that we can offer the time to another client. Depending on your provider’s policy, late cancellations or missed appointments may be subject to a fee — insurance does not cover missed session fees.

_{Cancellation fees are standardized across all our locations (WA, FL, NY) to ensure fairness and clarity for all clients.}