Insurance & FEes




I am an in-network or "preferred provider" with Cigna, Pacific Source, Reliant Behavioral Health, Regence/Blue Cross Blue Shield, and Moda Health Plans.  As a preferred provider, a copay or coinsurance amount is collected each session. The amount is dependent on your plan and your deductible, but is usually a set fee or percentage.

Out of Network

I am able to bill other insurance plans as an out-of-network provider. At the time of your initial appointment I will collect the full fee and bill your insurance. After the first insurance payment is received, I will adjust your portion for each session based on what is paid and credit the difference toward future sessions.

Checking your Insurance Benefits

It is important to know what your health benefits are and what the out-of-pocket costs will be based on your specific plan. If you would like us to bill your insurance, we recommend that you contact your company and ask the following: 

  • Is Sara Carmona, LCSW covered as a preferred provider or are her services out-of-network? You may need to use my address 6118 SE Belmont Street, Portland, OR 97215

  • What is my annual deductible and have I met it? Is my deductible waived or do I have to meet deductible before my plan pays for counseling?

  • What is my co-pay or co-insurance?

  • If Sara Carmona, LCSW is out-of-network, what percentage of her services does my plan cover?

  • Are there limits on the number of outpatient mental health visits covered?


Some people choose not to use their health insurance for mental health counseling.

In order to use insurance for mental health counseling you must meet criteria for a mental health diagnosis which is then reported to your health insurance company and becomes part of your medical record. 

Self-pay is an option if you do not have health insurance or do not want to use your health insurance for mental health counseling.


Please contact me for more detailed information on fees. Payment is collected at the beginning of each session. I accept cash, check, credit card and HSA/ FSA debit cards.