Insurance & Payment Information
Dream Life Out Loud, PLLC currently accepts several insurance plans for psychotherapy services. Because insurance networks can be listed under different parent companies, plan names, or administrator names, we review each client’s insurance information before services begin.

Please note that insurance participation may vary by clinician and plan type. Our Client Care Team will review your insurance information and help determine whether your benefits appear to be in-network with Dream Life Out Loud.

Insurance verification is not a guarantee of coverage or payment. Clients are responsible for any copays, deductibles, coinsurance, denied claims, non-covered services, or balances not paid by insurance.

For insurance plans where we are out-of-network, clients may be eligible for out-of-network reimbursement. Upon request, we can provide a Superbill for you to submit directly to your insurance carrier.

We accept all major credit cards, as well as Health Savings Account (HSA) and Flexible Spending Account (FSA) cards.

Payment is due at the time of service.

For Youth Inquiries

Please note: For clients under 18, a parent or legal guardian must participate in the intake process and complete all required consent documentation prior to services beginning.

A Note About Family Therapy

Family therapy often involves multiple participants and may require coordination of schedules, consent forms, and treatment goals. Our team will discuss recommendations during the intake process.

Insurance & Payment Information
Dream Life Out Loud, PLLC currently accepts several insurance plans for psychotherapy services. Because insurance networks can be listed under different parent companies, plan names, or administrator names, we review each client’s insurance information before services begin.

Please note that insurance participation may vary by clinician and plan type. Our Client Care Team will review your insurance information and help determine whether your benefits appear to be in-network with Dream Life Out Loud.

Insurance verification is not a guarantee of coverage or payment. Clients are responsible for any copays, deductibles, coinsurance, denied claims, non-covered services, or balances not paid by insurance.

For insurance plans where we are out-of-network, clients may be eligible for out-of-network reimbursement. Upon request, we can provide a Superbill for you to submit directly to your insurance carrier.

We accept all major credit cards, as well as Health Savings Account (HSA) and Flexible Spending Account (FSA) cards.

Payment is due at the time of service.

Using Out-of-Network Benefits

Many insurance plans offer out-of-network reimbursement for psychotherapy services. If Dream Life Out Loud is not in-network with your insurance provider, you may choose to pay for services directly and request a Superbill for submission to your insurance company.

While reimbursement is never guaranteed, many clients receive partial reimbursement depending on their individual plan. We recommend contacting your insurance carrier to better understand your out-of-network mental health benefits, deductible requirements, and reimbursement rates.

We accept all major credit cards, as well as Health Savings Account (HSA) and Flexible Spending Account (FSA) cards.

Payment is due at the time of service.

Private Pay Services

Clients may choose to pay for services directly rather than use their health insurance benefits.

In addition, all Therapy Intensives are offered as a private pay service. Because therapy intensives are delivered in an extended, customized format that differs from traditional weekly psychotherapy, they are generally not covered by health insurance plans and cannot be billed to insurance.

Clients who elect not to use available insurance benefits—or who choose to participate in a therapy intensive—will be asked to sign an acknowledgment indicating that they are voluntarily declining insurance billing (when applicable) and accepting financial responsibility for services.

Private pay may be a good option for clients who value increased privacy, wish to avoid a mental health diagnosis being submitted to insurance, desire greater flexibility in their treatment, or are seeking a more focused and immersive therapeutic experience through a therapy intensive.

We accept all major credit cards, as well as Health Savings Account (HSA) and Flexible Spending Account (FSA) cards.

Payment is due at the time of service.

Therapy Access Funding
Dream Life Out Loud proudly welcomes clients utilizing mental health funding through programs such as the Washington Therapy Fund Foundation and The Loveland Foundation.

If you have received a therapy voucher or funding award, please let us know as part of your inquiry. Our team will work with you to verify eligibility, review available services, and discuss any remaining financial responsibility prior to beginning treatment.

We believe access to quality mental health care matters and are committed to helping clients navigate available funding resources whenever possible.

Couples Therapy & Insurance

Many clients are surprised to learn that couples therapy is not always covered by health insurance plans. While some plans may provide coverage when medical necessity criteria are met, coverage for relationship-focused therapy varies significantly by insurer and individual plan.

Because benefits differ from plan to plan, we encourage clients seeking couples therapy to contact their insurance provider directly to verify eligibility and coverage prior to beginning services.

Questions you may wish to ask your insurance company include:

• Do my benefits cover couples or marriage counseling?
• Is a mental health diagnosis required for coverage?
• Are there limitations on relationship-focused therapy services?
• What is my copay, deductible, or coinsurance responsibility?

Our team is happy to help you understand your options, but we strongly encourage clients to verify coverage directly with their insurance carrier.

Family Therapy & Insurance Coverage

Insurance coverage for family therapy varies by health plan and is not always covered in the same way as individual therapy. Some insurance plans may provide benefits for family therapy when certain medical necessity criteria are met, while others may have limitations or exclusions.

If you plan to use insurance benefits for family therapy, we encourage you to contact your insurance provider directly to verify coverage before beginning services.

Questions you may wish to ask include:

• Does my plan cover family therapy services?
• Is a mental health diagnosis required for coverage?
• Are there restrictions on which family members may participate?
• What is my copay, deductible, or coinsurance responsibility?

Our team is happy to help you understand your options, but we recommend verifying benefits directly with your insurance carrier to avoid unexpected costs.

If family therapy is not covered by your plan, private-pay options are available.