Pricing & Financial Policy

Our Commitment to Transparency

We believe financial clarity is an essential part of the therapeutic relationship and ethical professionalism. Providing transparent information upfront grants you with resources to make financially sustainable choices that are right for you, your financial means, and your mental health needs.

As a private-pay practice, our clients get enhanced privacy, tailored treatment plans, and control over their medical records. This liberates Pacific Pines Counseling to provide flexible access to quality mental health services (more on those options below).

While we do not bill insurance, we provide everything you need to file your own out-of-network reimbursement claim. The fee estimates below represent what you would owe at the time of service or via our secure payment portal. We’ve also included other payment options and details regarding our Good Faith Estimate requirements, as required by the No Surprises Act.

Four Pathways to Accessible Mental Health Care

We believe your mental health should be accessible regardless of financial status.

  • This is our primary model for clients seeking immediate access to full clinical autonomy, complete privacy from third-party records, and unrestricted treatment planning.

    • Ideal For: Clients who prioritize maximum confidentiality and want a direct relationship with their therapist without administrative constraints.

    • Rate: See the Fee Schedule above.

  • If you have health insurance but prefer our private-pay model (for privacy or other reasons), we can help you get reimbursed.

    • The Process: After each session, you will receive a detailed receipt and a Superbill containing the necessary CPT codes and diagnosis (if applicable).

    • Easy Reimbursement Tools: You can use apps like Mentaya, Thrizer, or Reimbursify, or your insurance provider’s portal to upload these documents automatically. Many clients find this process takes less than 5 minutes per month.

    • What We Provide: A monthly Superbill PDF with all required codes, NPI number, and license details ready for submission.

    Note: Reimbursement amounts vary by your individual plan (deductibles, co-insurance rates). You are responsible for paying our full fee at the time of service; your insurer will reimburse you directly.

  • We are proud partners with OpenPath Collective, a nonprofit dedicated to making mental health care affordable. This is an excellent option for new clients of Pacific Pines Counseling who meet specific income criteria.

    • How It Works: Apply once via their website (a one-time membership fee applies). Once verified, mention your OpenPath member ID while scheduling your first appointment with us.

    • Rate: $70 per session for individual therapy, $80 per session for couples & families

    • Availability Note: We currently have limited openings for OpenPath clients due to high demand. If we are not immediately accepting new OpenPath clients, please contact us directly to be added to our waiting list, and we will reach out as soon as a spot becomes available.

  • If you are a current client of Pacific Pines Counseling and experience a change in financial circumstances, we welcome an open conversation.

    • Our Commitment: We can often discuss alternative arrangements tailored to your needs. This might look like adjusting the frequency of sessions (e.g., taking one week off monthly), offering temporary reduced rates for a defined period, or setting up flexible payment plans to spread costs over time.

    • The Process: When we discuss these adjustments, it’s standard practice to schedule a specific date in the future (e.g., in 3 or 6 months) to check in on your financial circumstances and review the arrangement. This ensures that our agreement remains sustainable for both you and Pacific Pines Counseling while supporting your continued care.

    • How to Request: Please contact your clinician directly to discuss your current situation in your next session.

Standard Fee Schedule

Celebrate with us! Now offering:

INDIVIDUAL ONBOARDING & WEEKLY SESSIONS
$165 (Associate/Launch Rate!)

The following fee estimates apply to all services unless otherwise agreed in writing prior to treatment. These rates are fixed for the duration of your engagement with us, subject only to a 30-day written notice if we need to adjust fees due to practice-wide changes.

All fees are processed automatically via our secure client portal following each session. Please ensure your payment information is up to date to avoid care interruptions or late fees.

🌲 indicates the highest value per hour

(Note: Booking one of our Extended Processing Sessions, 75-min or longer, reduces your overall hourly rate and provides more time for deep therapeutic work. Many clients find this offers greater long-term value.)

Why Private-Pay?

At Pacific Pines Counseling, we operate on a private-pay model to prioritize your autonomy and privacy. While direct billing to health insurance is a valid choice of payment for many, our practice offers specific advantages for clients who value these factors:

Control Over Your Diagnostic Record

1

Insurance billing typically requires assigning a diagnosis to each service rendered (e.g., Depression, Anxiety), which becomes part of your permanent medical history and is shared with insurers. As a private-pay client, we do not assign diagnoses unless they are clinically necessary for your treatment planning, and you agree to them. You can see and have a say in what goes into your record.

Treatment Based on Clinical Need

2

We design treatment plans based solely on your unique needs and goals, free from insurance "medical necessity" rules or arbitrary session limits (e.g., caps on visits per year).

Enhanced Privacy

3

Your records are not accessible to insurance companies, third-party administrators, or external auditors. They remain strictly within our practice's ecosystem, reducing the risk of administrative exposure of your sensitive information. (Note: This privacy does not exempt us from legal obligations such as mandatory reporting for abuse or court-ordered disclosures.)

Your Rights & Frequently Asked Questions

As required by the No Surprises Act, we provide a detailed Good Faith Estimate before treatment begins. View our full billing policies, dispute resolution process, and contact information for financial assistance here:

  • We accept payment via credit card, debit card, and HSA/FSA cards. We do not require insurance information for billing purposes.

    To ensure uninterrupted care and minimize administrative delays, we utilize an automated payment system (Autopay). We provide convenient account management via your secure client portal.

    How It Works: Upon signing up as a new client, you will provide your default payment method (credit/debit card) to our secure portal.

    Timing: Session fees are automatically charged after your scheduled session (typically at 12:00 AM or midnight).

    Your Responsibility: It is the client's responsibility to ensure that payment information on file is current and valid. If you have concerns about billing errors or need to update your payment method, please contact our office immediately via the portal or email at billing@pacificpines.com

    Late Fees: If a charge fails due to insufficient funds or an expired card, a $20 late fee will be applied once the account remains past due for 30 days.

  • Before we begin treatment, you will receive a Good Faith Estimate for your first two sessions (onboarding session & first standard session). From there, you’ll receive a second Good Faith Estimate which is based on your tailored treatment plan. In each you’ll find:

    • An estimated cost of your care, services covered, date issued, and projected course of treatment.

    • If your treatment plan changes or if you require more/less sessions than the estimated average, a revised Good Faith Estimate will be issued prior to those additional services.

    • Your right to dispute a bill that is $400 or more higher than this estimate.

    • How to contact us if you have billing questions.

    (Note: If you are a new client, we will provide this specific document during your intake process before the first session begins.)

  • If you receive a final bill that is $400 or more higher than this Good Faith Estimate, you have the right to dispute it.

    1. Contact Us: Please contact us within 120 days of receiving the bill to review the discrepancy. We are committed to resolving billing errors fairly and quickly.

    2. Federal Resolution: If we cannot resolve the issue, you may request an independent dispute resolution process through the U.S. Department of Health and Human Services (HHS). This service is free for patients.

  • At Intake: As part of our intake process, you will receive a finalized Good Faith Estimate specific to your treatment plan before we begin therapy.

    Upon Request: If your treatment needs change significantly or if you need an updated estimate at any point during care, please contact us, and we will issue a revised document immediately.

  • If you are experiencing financial hardship, please contact billing@pacificpines.com; we may be able to discuss sliding scale options or payment plans on a case-by-case basis.

  • For questions about your costs, payment methods, or to request a formal Good Faith Estimate:

    Billing Email
    billing@pacificpines.com

    Billing Phone
    (253) 540-5358

    Billing Mailing Address:
    522 W Riverside Ave, Ste N
    Spokane, WA 99201