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Insurance and payment options.

We keep the financial side straightforward so you can focus on the work. Book a free consultation and we will walk through everything specific to your situation before you commit to anything.

Insurance we accept.

We are actively expanding our insurance network to make care accessible to more people in Oregon.

Currently In-Network

Providence Health Plan. We bill Providence directly on your behalf. You pay your copay or coinsurance, and we handle the rest. This includes both therapy sessions and ADHD assessment services.

Coming Soon

Regence BlueCross BlueShield and Moda Health. We are actively credentialing with both plans. If you are on Regence or Moda, reach out during your consultation and we can update you on the timeline.

How In-Network Insurance Works

  1. Share your insurance details. During your consultation or before your first session, give us your insurance information.
  2. We verify your benefits. Before your first appointment, we confirm your coverage, your copay or coinsurance, and whether any prior authorization is needed. You will know what to expect before you start.
  3. We bill directly. After each session, we submit the claim to your insurance. You only pay your portion: copay, coinsurance, or deductible balance.
  4. No surprises. If anything about your coverage changes, we let you know before your next session. You will never be caught off guard by a bill.

Out-of-network reimbursement.

If your insurance is not listed above, you can still see us and seek reimbursement from your plan. Many people recover a significant portion of the cost this way.

1

Pay at Your Session

You pay the session fee at the time of service using a credit card, debit card, HSA, or FSA card.

2

Get Your Superbill

We automatically provide a detailed superbill after each session. This includes everything your insurer needs: diagnosis codes, procedure codes (CPT), provider credentials, session dates, and amounts paid.

3

Submit to Your Insurer

Most insurers allow you to submit superbills through their online portal or mobile app. Some accept email or mail submissions. The process is usually straightforward and takes about five minutes.

4

Get Reimbursed

Your insurer processes the claim and reimburses you based on your out-of-network benefits. Reimbursement amounts vary by plan, but many cover 50-80% of the allowed amount after your deductible is met.

Questions to Ask Your Insurer Before You Start

Call the member services number on the back of your insurance card and ask these questions. They will help you understand exactly what your plan covers before your first session.

  • Do I have out-of-network mental health benefits? (Some plans do not cover out-of-network providers at all.)
  • What is my out-of-network deductible, and how much have I met? (Reimbursement usually does not begin until your deductible is satisfied.)
  • What percentage do you reimburse for out-of-network mental health providers? (Common rates are 50-80% of the "usual and customary" or "allowed" amount.)
  • Is prior authorization required for psychological testing? (Relevant if you are pursuing ADHD assessment. Reference CPT codes 96130, 96131, 96136, 96137.)
  • How do I submit a superbill for reimbursement? (Get clear on whether they accept online, email, or mail submissions.)

What you are paying for.

This is doctoral-level care from a psychologist with over a decade of experience. Here is what that means in practice.

Doctoral-Level Expertise

Dr. Dowling holds a Doctor of Psychology (PsyD) degree and has nearly 20 years of clinical experience across multiple settings. He is not an intern, a resident, or a counselor in training. You are working with a fully licensed, experienced psychologist.

Thorough Assessment

ADHD evaluations include multiple sessions, validated standardized instruments, observer ratings, proprietary CAST scoring, and a comprehensive written report. This is not a checklist. It is a real evaluation.

Small Practice, Real Attention

A manageable caseload means Dr. Dowling is prepared for your session, remembers your history, and has the bandwidth to give your case the attention it deserves. You are not a number.

Continuity of Care

One provider from start to finish. If you do an ADHD assessment and then start therapy, your therapist already knows exactly what the evaluation found. No handoffs, no repeating your story, no lost context.

Ways to pay.

We offer multiple options to make quality care accessible. We will walk you through everything during your free consultation.

Insurance

In-network with Providence Health Plan. We verify your benefits, bill directly, and handle the paperwork. You just pay your portion. Regence and Moda coming soon.

HSA / FSA

Both therapy and ADHD assessment are eligible HSA and FSA expenses. Pay with your pre-tax health savings dollars. It is one of the best uses for those funds.

CareCredit

Healthcare financing that you can apply for online and use right away. CareCredit offers promotional financing options that many clients find helpful, especially for assessment services.

Payment Plans

We offer interest-free payment plans for ADHD assessments. We will set up a schedule that works for your budget during your consultation. No credit check, no finance charges.

Sliding Scale

We reserve a limited number of sliding-scale slots for clients who need financial flexibility. If cost is a barrier, bring it up during your consultation. We will do what we can.

Out-of-Network Superbills

For insurance plans we are not yet in-network with, we provide detailed superbills after every session so you can submit for reimbursement. Many clients recover a meaningful portion of the cost.

Good Faith Estimate.

Under the No Surprises Act (effective January 1, 2022), you have the right to receive a Good Faith Estimate explaining how much your medical care will cost before you receive services.

Under the law, healthcare providers are required to give patients who do not have insurance, or who are not using insurance, an estimate of the expected charges for medical items and services. This includes therapy sessions and ADHD assessments.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This estimate is based on information known at the time it is provided. The actual charges may differ if your treatment plan changes.

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 or picture 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.

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