Coverage & Costs

Insurance & Payment Options

We believe cost should never stand between you and mental health care. Here's everything you need to know about coverage at Willamette Valley Behavioral Health.

Accepted Plans $ Payment Options How It Works ? FAQs

Accepted Insurance Plans

We accept most major insurance plans across Oregon. Not sure if your plan is accepted? Call us and we'll verify your benefits before your first appointment, at no cost to you.

PacificSource
Blue Cross Blue Shield
Regence
Aetna
Moda
Cigna
Evernorth
Trillium
Care Oregon
Health Share
Medicaid / OHP
Providence
Jackson Care Connect
Cascade Health Alliance
First Health
Umpqua Health Alliance
💡

Don't see your plan? We also accept out-of-network, superbill, and out-of-pocket payments, and offer a sliding fee scale for qualifying clients. Contact us, we'll do our best to make care accessible for you.

Payment Options

We offer several ways to make care affordable, regardless of your insurance status.

In-Network Insurance

Use Your Insurance

If your plan is listed above, we bill your insurer directly. You're typically responsible only for your copay or coinsurance at the time of service.

We'll verify your benefits before your first appointment so there are no surprises.

Out-of-Network

Superbill / Reimbursement

Don't have an in-network plan? We can provide a detailed superbill after each session that you submit to your insurer for partial reimbursement.

Many out-of-network plans reimburse 50 to 80% of session costs after your deductible is met.

Self-Pay & Sliding Scale

Self-Pay & Sliding Fee Scale

No insurance? No problem. We offer competitive self-pay rates and a sliding fee scale for qualifying clients based on household income.

Contact us to discuss your situation, we're committed to finding a solution that works for you.

How Insurance Works With Us

We handle the administrative side so you can focus on your care.

1

Submit Your Intake Form

Include your insurance information in the intake questionnaire. We'll take it from there.

2

We Verify Your Benefits

Our team contacts your insurer to confirm your coverage, copay, and deductible before your first session.

3

We Walk You Through It

We'll clearly explain what's covered and what to expect cost-wise, so you can make an informed decision.

4

We Bill Directly

Once care begins, we handle billing with your insurer. You pay only your portion at the time of each session.

Frequently Asked Questions

Have a question not answered here? Contact us, we're happy to help.

A copay is a fixed amount you pay at each session, set by your insurance plan. Copays for mental health services typically range from $10 to $60 depending on your plan. We'll confirm your exact copay amount when we verify your benefits before your first appointment.
Most insurance plans do not require a referral to see a licensed mental health provider. However, some HMO plans may require one. We recommend checking with your insurer, or just contact us and we can help you find out.
Your out-of-pocket maximum is the most you'll pay for covered services in a plan year. Once you reach that limit, your insurance covers 100% of additional covered costs. This means therapy can become fully covered after you've met your maximum.
A deductible is the amount you pay for covered services before your insurance starts sharing costs. Some plans apply the deductible to mental health services; others cover therapy with just a copay from session one. We'll clarify this when we verify your benefits.
Our sliding fee scale adjusts your session rate based on your household income and family size. Qualifying clients may pay significantly reduced rates for services. Contact us to learn more about eligibility, all conversations are kept confidential.
Yes. Mental health services are generally an eligible expense under Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can typically use these funds to pay your copay, deductible, or out-of-pocket session costs.
Please notify us as soon as your insurance changes. We'll re-verify your benefits and walk you through any impact on your coverage or costs. We work hard to minimize disruption to your care during transitions.
In most cases, yes. Oregon law requires insurance plans to cover telehealth services at the same rate as in-person care. We'll confirm your specific telehealth coverage when verifying your benefits.

Not Sure What's Covered?

We'll verify your benefits for free before your first appointment. No commitment required, just answers.