Insurance & Rights
Clear answers, less overwhelm.
Navigating insurance can be stressful. Here's what you need to know about Apple Health, current Medicaid policy, and your rights as a client in Washington State.
Apple Health Enrollment
Eligibility & enrollment, step by step.
- 1
Check whether you may qualify
Most adults 19–64 qualify with household income up to 138% of the federal poverty level. Children, pregnant people, and some immigrants have higher limits or separate programs. People 65+ or with a disability are evaluated under different rules.
- 2
Gather your information
Have Social Security numbers (if you have them), recent pay stubs or income info, household members' birth dates, your address, and any current insurance details.
- 3
Apply online, by phone, or in person
Under 65: apply at Washington Healthplanfinder or call 1-855-923-4633. 65+, Medicare, or disability-related coverage: apply through Washington Connection (DSHS). Applications are free and can be submitted any time of year.
- 4
Choose a managed care plan
Once approved, pick a plan such as Molina, Community Health Plan of Washington, or Coordinated Care. If you don't choose, one will be assigned — you can usually switch later.
- 5
Get your ProviderOne card & schedule
You'll receive a ProviderOne services card and plan ID card. Share your plan with us and we'll verify benefits before your first session.
- 6
Stay covered
Watch for renewal notices, report changes in income or household, and respond by the deadline. Call Apple Health customer service at 1-800-562-3022 with questions.
Medicaid Policy
What's changing with Apple Health.
Policies are evolving at both the state and federal level. This summary is current as of fall 2026 and is not legal advice — always confirm details with the Washington State Health Care Authority.
Visit the Health Care Authority →Mental health care is covered
Apple Health (Washington Medicaid) covers outpatient counseling, including individual and couples/family therapy when medically necessary, with no copays for members.
Keep your contact info current
Eligibility is reviewed regularly. Renewal notices come by mail and through Washington Healthplanfinder — missing one can end coverage, so update your address whenever you move.
More frequent renewals for expansion adults
Under the 2025 federal budget law, adults covered through Medicaid expansion (ages 19–64) are scheduled to renew every six months starting with renewals after December 31, 2026.
Work & community engagement requirements
Beginning no later than January 1, 2027, many expansion adults will need to show about 80 hours a month of work, school, job training, or volunteering. Exemptions include people who are pregnant, parents or caregivers of young children, and people who are medically frail — which can include serious mental health conditions.
Continuous coverage for young kids
Washington provides continuous Apple Health coverage for eligible children from birth to age six, so they don't lose coverage at annual renewal.
Your Rights in Washington
Know your rights as a client.
A written disclosure statement
Washington requires licensed counselors to give you a disclosure statement before treatment — covering the clinician's training, methods, fees, and how to file a complaint.
Informed consent & choice
You may ask questions about any approach, choose your provider, decline a treatment, and end therapy at any time.
Confidentiality
What you share is private under HIPAA and Washington's Health Care Information Act (RCW 70.02). Limited exceptions include imminent risk of harm, suspected abuse of a child or vulnerable adult, or a court order.
Access to your records
You have the right to request, review, and receive a copy of your health records, and to ask for corrections.
Dignity, respect & non-discrimination
You have the right to care free from discrimination based on race, culture, gender identity, sexual orientation, disability, religion, or neurotype.
A Good Faith Estimate
Under the federal No Surprises Act, if you are uninsured or self-pay, you can receive a written estimate of expected costs. You may dispute a bill that is $400+ over the estimate.
Questions about your coverage?
We accept Apple Health, Molina, CHPW, Premera, Regence, BCBS, Aetna, and Coordinated Care — and offer a $95–$180 sliding scale.
Contact Us