Understanding Insurance

At Path to Bliss Wellness we strive to meet the diverse needs of our community by providing quality, holistic services for the entire family. As part of our commitment to you, we want to be transparent in our billing practices.

We are primarily a cash based, out-of-network clinic, as we believe in a holistic model of therapeutic alliance with our clients, that is not limited or managed by insurance requirements. It is important to each of us in our professional integrity that you are aware of your options in engaging in therapy. Use of insurance requires that you are given a diagnosis and that it be applied to your medical chart. Use of insurance also requires that your chart notes be open to review in the case of an audit by your insurance company. In our efforts to honor you as our client and your personal journey and pursuit of support, we want to make sure you understand the benefits and consequences of utilizing insurance.

  • We are able to provide what is called a Superbill- which is a medical receipt for you to submit to your insurance for reimbursement for services you have paid for out of pocket. It is important to understand that the above statements till apply regarding diagnosis being required to be attached to this receipt.

In our commitment to serving a wider community who does not have access to out-of-network benefits, our clinic has chosen to contract with CareOregon (OHP), including Opencard. There are other CCO’s we are not contracted with. It will be important for you to let us know your specific plan in order for us to bill your insurance correctly and make sure you have coverage for the services we offer. This is your responsibility as our client.

In addition, our clinic has chosen to contract with the local insurance group, PacificSource. If you carry this insurance plan, we are happy to bill for the services that you receive at our clinic.

For OUT-OF-NETWORK benefits: You as the client can contact your insurance company to inquire about your specific plan, what it covers and what out-of-network benefits are available to your specific plan. Here is a script for you to use when you call.

Insurance Call Script


”I would like to check my out-of-network benefits for outpatient mental health counseling. Can you help me with the following questions?”

  • Do I have out-of-network benefits for outpatient mental health therapy?

  • What is my out-of-network deductible, and how much of it has been met?

  • After I meet the deductible, what percentage is reimbursed?

  • What is the allowed amount for these CPT codes:

  • 90791 (intake)

  • 90834 (45 min therapy)

  • 90837 (53+ min therapy)

  • 90847 (family therapy)

  • Do I need pre-authorization?

  • Is there a limit to the number of sessions per year?

  • How do I submit superbills, and where do I send them?

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