In-network with PacificSource for outpatient therapy.
In-network for PacificSource. Direct billing, copay or coinsurance at the session, no paperwork on your end. PacificSource is Oregon-headquartered (Eugene), and their Oregon plans cover therapy at parity with medical.
Request a free 15-min consultation →Direct billing, no paperwork on your end.
In-network billing means I send the claim to your insurer directly. You pay your copay or coinsurance at the session, and the rest is handled between me and them.
PacificSource Health Plans is headquartered in Eugene and is one of the most common carriers I see for Oregon clients in healthcare, higher education, and public-sector roles. Their behavioral health network is administered in-house, which keeps the billing simpler than carriers that route mental health through a third-party administrator. PacificSource is also one of the OEBB (Oregon Educators Benefit Board) medical carriers, so K-12 educators and ESD employees with PacificSource OEBB coverage can use it for outpatient therapy with me. I'm in-network for the standard PacificSource commercial plans (Navigator PPO, Smart Health, and the employer-group variants) and for the PacificSource OEBB tiers. A separate piece of the PacificSource footprint that I'm not in-network for is the Medicaid CCO side: PacificSource Community Solutions administers the Lane and Central Oregon Coordinated Care Organizations for Oregon Health Plan, and I don't currently hold an OHP contract. For OHP clients, your options are self-pay or finding a provider in the OHP network. For commercial and OEBB PacificSource clients, I bill directly after each session, your copay or coinsurance is what you owe, and the EOB shows up in your member portal a few weeks later.
If your specific PacificSource plan turns out to be out-of-network with me, you have two options: pay the self-pay fee directly ($250 per fifty-minute session), or pay the self-pay fee and submit a superbill to PacificSource for out-of-network reimbursement. Most out-of-network benefits cover a portion. Some cover most of it.
What you should actually expect.
What's specifically worth knowing about PacificSource coverage before the first session.
PacificSource plan tiers vary, but most have an outpatient mental health copay in the $25-40 range or coinsurance of 10-20% after deductible. Some employer-group plans waive the mental health deductible entirely (worth checking yours). Telehealth has been at full parity with in-person since 2020. PacificSource's clinical review process is reasonable; for standard short-term outpatient therapy, prior authorization isn't required. For longer-running treatment some plans do request periodic clinical updates; those are routine when they come up and I handle the documentation directly. Couples and family sessions have gone through cleanly under standard psychotherapy CPT codes.
For the full carrier list and the out-of-network superbill explanation, the insurance overview covers the broader practice context.
What to ask member services.
The cleanest verification before our first session is a five-minute call to PacificSource member services. Here's the script that gets useful answers.
Call the member services number on the back of your card and ask these three questions:
- Is provider Gerry McNamara, LMFT (NPI available on request) in-network for outpatient mental health on my plan?
- What's my copay or coinsurance per session for CPT code 90834 (individual psychotherapy)? And for CPT 90847 if we're doing couples or family sessions?
- Has my deductible been met for the year? If not, how much is left, and does my plan have a separate behavioral-health deductible?
If anything they tell you doesn't line up with what I'm saying on the consult, that's a useful signal: we sort it out before the first session rather than after a surprise EOB.
Questions I get asked about PacificSource.
I work at PeaceHealth, OHSU, U of O, or Samaritan. Does my PacificSource plan cover therapy with you?
Very likely yes. The healthcare and university employer groups in Oregon often use PacificSource, and I'm in-network for those plan tiers. Worth checking whether your specific tier has a separate mental health copay or deductible structure; member services on your card has that detail.I'm on a PacificSource OEBB plan as a K-12 educator. Are you in-network?
Yes. PacificSource is one of the OEBB medical carriers, and I'm in-network for the OEBB tiers. I bill PacificSource directly under the OEBB plan, you pay your copay or coinsurance, and the EOB routes through the PacificSource portal.PacificSource is the Eugene-headquartered carrier. Does that mean you mostly see Eugene clients on it?
Eugene comes up a lot, yes. PacificSource is the home-team carrier there. But it's also common in Portland-metro and statewide, especially for clients whose employer is in healthcare or higher education. The HQ being in Eugene matters less to billing than the plan tier you have.Does PacificSource cover couples therapy?
In my experience, yes, billed under standard outpatient psychotherapy codes with a clinical diagnosis for one partner. PacificSource has been consistent in adjudicating these claims. If you want certainty up front, your member services line can confirm for your specific plan.
What I help with that PacificSource covers.
Anxiety therapy
Practical, multi-modal anxiety therapy. Covered by PacificSource the same way any standard outpatient mental health visit is.
Read moreDepression therapy
Depression therapy for adults who are tired of being tired and want to understand what's underneath.
Read moreCouples therapy
Gottman-trained couples therapy. Insurance coverage for couples depends on plan specifics, which we'd verify on the consult.
Read more
Ready to talk it through? Let's see if we're a fit.
Send a message, or set up a free 15-minute phone consult. You can reach me by email, call, or text. I'll get back to you within two business days.