• Rates and Insurance

  • Makenzie Kinloch Therapy, PLLC is in-network with Aetna and Premera insurance plans. These plans can be billed for therapy services in-network. It is your responsibility to be informed about your insurance plan, benefits, and coverage.

  • For other insurance plans, it is recommended to checking to verify what your out-of-network benefits are. For out-of-network plans, a superbill can be provided for clients seeking to submit for out-of-network reimbursement.

  • The rates for sessions are $120 for individual therapy and $140 for couples and family therapy. Some sliding scale spots are offered through Open Path Collective. If you have any questions about the finances of therapy, those conversations are welcomed!

Tips for understanding the finances of therapy:

If using insurance, it is recommended to familiarize yourself with the details of your personal insurance plan. This includes but is not limited to:

  • Do you need to meet a deductible prior to receiving coverage for therapy? If so, what is your deductible? How much is left towards meeting your deductible? When does your deductible cycle start over?

  • Are there co-pays or co-insurance costs to expect?

  • Are there any limitations to what your plan covers for mental health services?(session limits, telehealth coverage, etc.)

If you are not in-network, I recommend familiarizing yourself with your out-of-network benefits. Some important things to know are:

  • What are your out-of-network benefits for therapy services?

  • Does your insurance plan offer partial reimbursement? Do you have a deductible for out-of-network coverage? If so, what is your deductible, how much do you have left towards meeting your deductible, and when does your deductible start over?

  • What does the submission process for out-of-network claims include?

Notes on Good Faith Estimates:

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, healthcare 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. Your rights include the following:

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.

  • Make sure your healthcare 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 healthcare provider, and any other provider you choose to work with, 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 of your Good Faith Estimate.

  • For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.