For those clients choosing to pay out-of-pocket, either due to lack of mental health coverage or to maintain confidentiality from insurance companies, rates are listed below.

Service	Session Time	Cost
Virtual Consultation	15 minutes	No cost
Initial Assessment	60 minutes	$200
Individual Counseling Session	50 minutes	$185
Prenatal, Pregnancy and Postpartum Session	50 minutes	$185
Couples/Relationship Session	50 minutes	$225
Restorative Mothering peer support group	60 minutes	No cost/per session
Clinical Supervision (associates seeking LICSW, LMHC and LMFT licensure)	50 minutes 1:1 50 minutes 2:1	$150 $75/per supervisee

Insurance

Dr. Watkins is an in-network provider with the following insurance plans:

• Premera Blue Cross
• First Choice Health

If your insurance company offers out-of-network benefits, you may receive full or partial reimbursement for the cost of services. Most insurance companies that provide out-of-network benefits cover between 50%-80% of the cost per session. You will be provided with statements to submit to the insurance company to be reimbursed directly.

If you are interested in establishing with me and your insurance is not listed here, you may contact your insurance company to request a Single Case Agreement or to inquire about Out of Network benefits.

Please verify your benefits before your initial assessment. Most insurance plans require some patient portion, such as amounts working toward deductibles, co-payments or co-insurances.

Determining Insurance Benefits

Please contact your insurance provider directly to verify if Dr. Watkins is in-network with your specific plan and to determine your mental health coverage prior to your initial appointment. In order to determine what your benefits are, call the customer service number for Behavioral Health on the back of your insurance card and ask the following questions:

• Do I have behavioral health coverage?
• Determine if Dr. Watkins is an in-network or out-of-network provider for your specific plan.
• If Dr. Watkins is in-network, what is my copay or coinsurance for an outpatient mental health office visit?
• If Dr. Watkins is out-of-network, do I have out-of-network mental health benefits?
• What amount will I be reimbursed for the following services by a licensed marriage and family therapist and/or licensed mental health counselor?
  • CPT code 90791 (initial assessment)
  • CPT code 98037 (individual psychotherapy)
• Is pre-authorization required? If so, what information do I need for this? Is there a specific form that needs to be completed?
• Is there an annual deductible I need to meet before I can begin receiving reimbursement for sessions?
• Do I have to pay a copay or coinsurance amount?

Good Faith Estimate (No Surprises Act)

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy or picture of your Good Faith Estimate.

 For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.