Do you accept any insurance?
I am not paneled with any insurance company, except for Lyra (an EAP provider). My clients utilize my services on an "out-of-network" basis, or pay for the services out of pocket.
As a licensed mental health professional, I’m insurance eligible for insurance carriers in Washington State (i.e. Premera, Premera Microsoft, Aetna, etc.). I will provide a monthly Superbill for you to submit to your insurance company to receive reimbursement once your deductables are met.
If you would like to use your out-of-network benefits, please contact your insurance company and ask what the out-of-network reimbursement would be for outpatient in-person or online psychotherapy. The specific amount of this reimbursement depends on your plan.
Will Lyra allow a modality switch?
If you intend to use your Lyra coverage with Dr Ruan, please pay attention to the modality (Individual therapy vs Couple therapy vs Family therapy) that you like to work with her. As a matter of general practice, Lyra typically will have to approve a modality switch. They may only approve this if they view this as a therapeutic necessity.
Do I have out-of-network benefit?
We recommend that you contact your insurance company directly and ask them the following questions:
Do I have out-of-network benefits for outpatient psychotherapy?
What is my deductible?
How much of my deductible have I already met?
What is the allowable amount for psychotherapy?
What is the percentage of reimbursement for psychotherapy?
With this information, you will know whether you have met your deductible for the year and when your benefits will kick in. You will also learn how much your insurance company’s “allowable amount” for therapy will be and what percentage of that amount they will cover. For example, say if your insurance’s allowable amount is $250 a session and they cover 60% of the allowable amount, then you are responsible for $70 per session out of pocket after your deductible is met.
What are your fees?
$200/ 55 mins individual session
$250/ 55 mins for couples / family session
$315 / 75 mins for couples / family session
$375 / 90 mins for couples / family session
$160 late cancellation/ no show
Good Faith Estimate
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 health care items or services upon request or when scheduling such items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• If you schedule a health care item or service at least 3 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 1 business day after scheduling. If you schedule a health care item or service at least 10 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after scheduling. You can also ask any health care provider or facility for a Good Faith Estimate before you schedule an item or service. If you do, make sure the health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after you ask.
• If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill. • Make sure to save a copy or picture of your Good Faith Estimate and the bill.
