Fees are billed at each session or may be paid in advance of multiple sessions with a card, cash, or a check made out to Navigate Family Therapy.


All of our clinicians are Preferred Providers with Premera, Lifewise, Anthem, Wellspring and many other Blue Cross/Blue Shield insurance plans, and some of our clinicians are covered by First Choice which includes many Kaiser PPO plans and other.  Many insurance policies in Washington State will cover mental health services but not all and so we recommend you check with your insurance plan to be sure of your coverage, even if you see your plan on our list.

We also participate with companies as an “out of network” provider and can supply you with a monthly Superbill in order to pursue reimbursement. The amount you are reimbursed will vary depending on your personal insurance plan. We cannot guarantee reimbursement from any given company.

Most insurance companies do not cover relationship therapies such as marriage, couples or parenting, as they will only reimburse for therapies requiring a mental health diagnosis.

If you would like to use your insurance benefits to pay for sessions, please contact your insurance company to inquire about mental health benefits in advance.

Here are some questions to ask:

  • Do I have mental health benefits?
  • Is my clinician a preferred or in-network provider?
  • If not, do I have coverage for out of network providers?
  • What is the amount or percentage for reimbursement?

As we are all facing the changes with COVID-19, our billing support team can help you find out if you have coverage for online or phone therapy, known as telehealth or teletherapy benefits. We also encourage you to reach out to your insurance provider to see if you have this coverage and to advocate for these services to be covered for you with your clinician.

For any insurance or billing questions, please reach out to our billing expert Amy Toomey who can be reached at or 206-339-1855 Option 3.