Confused about health insurance?

Click here to learn the basics of health insurance.

Education is power and key.

This is important so you can avoid surprise bills, understand what you are entitled to, and get the care you need and deserve.

Click here to learn what insurance plans must cover.

Click here to learn about mental health and substance use coverage.

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Mental health is covered under the law.

“Mental health substance abuse disorder services: Behavioral treatment, mental and behavioral health inpatient services and substance abuse disorder treatment.”

This is important so you understand what you are entitled to and get the care you need and deserve.

Click here to learn the basics of health insurance.

Education is power and key.

Your rights include, but is not limited to:

• Privacy

• Confidentiality

• No surprise bills

• Mental health parity. Health plans must cover mental health services the same way they cover medical and surgical services.

• Gender affirming care

• Appealing an insurance denial

Click here for a list of insurance terms.

Education is power and key.

This is important so you can understand what you are entitled to, and get the care you need and deserve.

• A therapist is considered in-network if they have a contract with your health insurance company to accept a set fee for every session.

• Working with an in-network therapist is typically more affordable than out-of-network therapists because your health insurance pays the bulk of the therapy session fee and you only pay the copay amount.

• Understand your plan’s benefits (e.g. deductible, co-pay, etc.) so you aren’t surprised by bills and charges; this is located online your portal or you can call your company and ask for a list of benefits

• Log onto your insurance portal to find a list of in-network therapists

• Call your insurance company and ask to speak to an agent/case manager who legally must give you 1-2 therapist referrals with current openings.

• If your insurance company does not help you or find you a referral, you can file a complaint with the WA State Insurance Commissioner here

Here is an article on how to see an in-network therapist and use your insurance to pay for therapy.

The WA State Office of the Insurance Commissioner can help you:

• Understand your insurance rights, including your health insurance appeal rights and the process.

• Get 24/7 online access to information and complaint filings.

• Look into your complaints against an insurance company.

• Learn about your shopping options.

• Verify if an agent, agency, or company is authorized to sell insurance in Washington state.

• Understand how health reform works.

Click here to speak to someone today and get the help you need and deserve.