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Forging Paths Counseling
LPCForging Paths Counseling is an outpatient mental health group practice serving adults across Salem and Portland,…
Steven Ponec
Professional Counselor AssociateHello! I’m Steven, a Professional Counselor Associate passionate about helping kids, teens, and adults feel calmer,…
Tirzah Jacob, LPC
LPCWith 26 years of experience, I've learned that people are incredibly resilient, and that there are many ways to help. I…
Meagan Sheehy, LPC, LMFT
MA, LPC, LMFTHi! I'm Meagan and I'm passionate about helping my clients live their best, most authentic and meaningful lives.I…
Accepting Always PLLC
LpcHello! All Clients are Ideal Clients. Our pursuit is to provide a safe and caring space where clients can explore and…
Josh Wilson
MA, LMFTI treat adult individuals, couples, poly relationships, and family systems in person and online in Portland, Oregon.…
Kate Mordarski
LPCI'm a Licensed Professional Counselor with 17 years experience providing outpatient, residential, and crisis mental…
Kerstin Minton / Limitless Growth Therapy, LLC
LPCWhen you’re feeling stuck like the only thing you can do is put your kid in therapy, let me be a different starting…
Jacky Gomez
LCSWYou may seem OK on the outside, but on the inside, your mind rarely slows down. There is constant mental noise:…
Ladan Alexandra Radafshar
LPC, NCC, MAI support those who are experiencing recurring conflict in their relationships. I offer individual and relational…
Erol Berkeley-Hanson
LSCW, LICSWMy name is Erol Berkeley-Hanson, LCSW, LICSW. I provide telehealth therapy for teens, adults, and families in Oregon…
Brandon Huffman
MA, LPC, NCC, CADC IICurrently accepting new clients for NeuroFeedback only! Trauma isn't measured by what happened to you, it's measured by…
Navigating Health Insurance for Therapy in Oregon
Understand your behavioral health benefits, out-of-network options, and Medicaid (OHP) coverage.
Understanding mental health insurance in Oregon can be confusing, but the Mental Health Parity and Addiction Equity Act requires most health plans to cover behavioral health services equally to medical services. Whether you have commercial insurance like Moda or Providence, or state-funded Medicaid (Oregon Health Plan), you have options for affordable care.
Frequently Asked Questions
Does the Oregon Health Plan (OHP) cover therapy?
Yes. OHP provides comprehensive mental health coverage, including therapy, counseling, and psychiatry. Your specific "Coordinated Care Organization" (CCO) like Health Share, Trillium, or PacificSource Community Solutions manages your exact provider network.
What does "Out of Network" mean?
If a therapist does not have a contract with your insurance provider, they are "Out of Network". Many PPO plans (like PacificSource Navigates or BCBS PPO) offer out-of-network benefits, reimbursing you for 50-80% of the session cost after you meet your deductible. You pay the therapist directly and submit a "Superbill" to your insurance.
Why do many therapists not take insurance?
Many specialists choose to be private-pay (cash) only because insurance companies often dictate the length, type, and frequency of care. Additionally, insurance requires a strict psychiatric diagnosis to approve coverage, which goes on your permanent medical record, leading many clients and providers to prefer the privacy of cash-pay.
What is a sliding scale?
A sliding scale is a flexible fee structure that therapists offer based on your income and ability to pay. If you do not have insurance or cannot afford the standard cash rate, search our directory for providers offering sliding scale slots.
Does insurance cover couples counseling?
Usually, no. Most insurance plans require a "Medical Necessity" diagnosis (like Major Depressive Disorder) for the "Identified Patient". Relationship counseling (Z-codes) is rarely covered unless one partner’s diagnosed mental health condition is the explicit focus of the treatment.
