Blue Cross Therapists in Langley, WA
![Photo of Charlene Ray, MSW, LICSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/23e0e707-9c83-4206-9764-8552d5775507/2/320x400.jpeg)
I provide a unique combination of cognitive behavioral, soul centered, poetry and nature based therapies that guide you to discovering the strengths and gifts within yourself. My work is to empower and inspire you to take control of your life, and create a more positive and satisfying life that enables you to achieve your dreams.
I provide a unique combination of cognitive behavioral, soul centered, poetry and nature based therapies that guide you to discovering the strengths and gifts within yourself. My work is to empower and inspire you to take control of your life, and create a more positive and satisfying life that enables you to achieve your dreams.
![Photo of Ian L Weiner - Ian L Weiner M.A. L.M.H.C., MA, LMHC, Counselor](https://photos.psychologytoday.com/44ef314f-46cd-11ea-a6ad-06142c356176/1/320x400.jpeg)
I embrace a solution focused cognitive behavioral approach to treatment within a humanistic framework. I help clients understand how underlying thoughts and belief systems impact behavior and trigger emotion. The outcome of healthy and integrated thinking opens up the opportunity for clients to grow and discover new modes of thinking and feeling. The result of which allows for a more meaningful and healthier way of living and relating to one's self and to the world.
I embrace a solution focused cognitive behavioral approach to treatment within a humanistic framework. I help clients understand how underlying thoughts and belief systems impact behavior and trigger emotion. The outcome of healthy and integrated thinking opens up the opportunity for clients to grow and discover new modes of thinking and feeling. The result of which allows for a more meaningful and healthier way of living and relating to one's self and to the world.
![Photo of Chris J Porter, MS, LMHC, MHP, NCC, Counselor](https://photos.psychologytoday.com/aac67234-4b49-4ecd-b508-60f809ef2667/2/320x400.png)
Now working with clients in either WA or ID! My goal is to work collaboratively with you to address your most challenging mental health concerns. It is tough work facing and feeling things we typically want to avoid. As we get started, it’s important to ensure that you feel completely safe to bring your full self into session— thoughts, feelings, and behaviors. Our time needs to be effective and results-driven, and in my years in practice I’ve built a skillset that utilizes evidence based practices (EBPs) in tandem with your unique strengths and innate talents and adds to your mental health toolbox.
Now working with clients in either WA or ID! My goal is to work collaboratively with you to address your most challenging mental health concerns. It is tough work facing and feeling things we typically want to avoid. As we get started, it’s important to ensure that you feel completely safe to bring your full self into session— thoughts, feelings, and behaviors. Our time needs to be effective and results-driven, and in my years in practice I’ve built a skillset that utilizes evidence based practices (EBPs) in tandem with your unique strengths and innate talents and adds to your mental health toolbox.
![Photo of Debby Elwell, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/3d1bccc5-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
My clients are multi-dimensional people - with physical, psychological and spiritual needs - who are doing the best they can to have a gratifying and meaningful life. My role as a therapist is to assist each person to expand their awareness of self and interactions with others, and to identify and change unsatisfying patterns and behaviors. Partners: When couples first start counseling, they often have a lot of anger, hurt, and sadness. Couples therapy is designed to find solutions to problems, express and let go of resentments, rebuild trust through good communication, and learn to live with different points of view.
My clients are multi-dimensional people - with physical, psychological and spiritual needs - who are doing the best they can to have a gratifying and meaningful life. My role as a therapist is to assist each person to expand their awareness of self and interactions with others, and to identify and change unsatisfying patterns and behaviors. Partners: When couples first start counseling, they often have a lot of anger, hurt, and sadness. Couples therapy is designed to find solutions to problems, express and let go of resentments, rebuild trust through good communication, and learn to live with different points of view.
![Photo of Marie Krupa, MA, LMHC, Counselor](https://photos.psychologytoday.com/42c36d14-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
I am excited to bring my practice to Whidbey Island and to join the team at Water’s Edge in beautiful Langley. I have been in the field of mental health for over 35 years in various capacities, including a full time therapist in private practice at Ballard Counseling Group. The primary focus of my work is to help individual clients with the treatment of anxiety, depression, life transitions, grief and loss issues, family dynamics, communication and boundary skills. My primary mode of therapy is a cognitive behavioral approach with heavy reliance on Dialectical Behavior Therapy (DBT).
I am excited to bring my practice to Whidbey Island and to join the team at Water’s Edge in beautiful Langley. I have been in the field of mental health for over 35 years in various capacities, including a full time therapist in private practice at Ballard Counseling Group. The primary focus of my work is to help individual clients with the treatment of anxiety, depression, life transitions, grief and loss issues, family dynamics, communication and boundary skills. My primary mode of therapy is a cognitive behavioral approach with heavy reliance on Dialectical Behavior Therapy (DBT).
![Photo of Katie Luetkehans, LMHC, LPC, LAC, Counselor](https://photos.psychologytoday.com/88a28a2a-b2aa-47eb-a729-d88c902fa6ef/1/320x400.jpeg)
Are you ready to find solace and healing on your unique journey towards mental and emotional wellness? I'm Katie Luetkehans, a dedicated psychotherapist specializing in holistic Contemplative Psychotherapy, and I'm here to walk with you on a path towards lasting health. I practice evidence-based therapeutic techniques, including dialectical behavioral therapy, acceptance and commitment therapy, and somatic experiencing. These tools are the pillars of my practice, guiding individuals like you towards positive change and personal growth.
Are you ready to find solace and healing on your unique journey towards mental and emotional wellness? I'm Katie Luetkehans, a dedicated psychotherapist specializing in holistic Contemplative Psychotherapy, and I'm here to walk with you on a path towards lasting health. I practice evidence-based therapeutic techniques, including dialectical behavioral therapy, acceptance and commitment therapy, and somatic experiencing. These tools are the pillars of my practice, guiding individuals like you towards positive change and personal growth.
![Photo of Chris Peterson, LMCHA, PhD, MA](https://photos.psychologytoday.com/39e0e96a-4b99-48f8-8215-6280fd95b388/2/320x400.jpeg)
Life is about transitions, changing and growing in ways we don’t expect, don’t understand, and sometimes don’t enjoy very much, nonetheless always striving to become something more than we are right now. I’ve experienced many transitions in fifty years of life, and I’ve come to realize that we are going to change some kind of way. The greatest question is will we let life sweep us along, or will we choose to aim for a destination, collecting stories and wisdom – and yes, more than a few scars – as we go?
Life is about transitions, changing and growing in ways we don’t expect, don’t understand, and sometimes don’t enjoy very much, nonetheless always striving to become something more than we are right now. I’ve experienced many transitions in fifty years of life, and I’ve come to realize that we are going to change some kind of way. The greatest question is will we let life sweep us along, or will we choose to aim for a destination, collecting stories and wisdom – and yes, more than a few scars – as we go?
![Photo of Kyla Burford, MSW, LICSW, ESA, Clinical Social Work/Therapist](https://photos.psychologytoday.com/450260a2-897b-435f-9ffd-365560a7231d/1/320x400.jpeg)
Kyla Burford
Clinical Social Work/Therapist, MSW, LICSW, ESA
Verified Verified
2 Endorsed
Langley, WA 98260 (Online Only)
Often times, the only way out is through. You don’t have to make that journey alone. I will teach you skills to cope with your immediate challenges and support you with identifying and processing past experiences that are interfering with the life you want to live. Change can be a scary & sometimes painful process but I will be in your corner, cheering you on & helping you access your strengths to move forward. I work with a wide variety of issues & I have specialization in supporting people with alcoholic & dysfunctional families, navigating racial & cultural identity, ADHD, learning disabilities, blended families, & parenting.
Often times, the only way out is through. You don’t have to make that journey alone. I will teach you skills to cope with your immediate challenges and support you with identifying and processing past experiences that are interfering with the life you want to live. Change can be a scary & sometimes painful process but I will be in your corner, cheering you on & helping you access your strengths to move forward. I work with a wide variety of issues & I have specialization in supporting people with alcoholic & dysfunctional families, navigating racial & cultural identity, ADHD, learning disabilities, blended families, & parenting.
![Photo of Nancy M Kaplan, MSW, LICSW, DCSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/21e9902e-e1d1-4a4c-8a15-208e823f6694/1/320x400.jpeg)
Nancy M Kaplan
Clinical Social Work/Therapist, MSW, LICSW, DCSW
Verified Verified
Langley, WA 98260
Waitlist for new clients
I have many years experience counseling children, youth, and adults. I work with individuals, couples, families, and groups. I am also experienced in working with people from multi-cultural backgrounds. I offer a broad spectrum of approaches to help you understand yourself and make positive changes that will make your life a more fulfilling experience. I use a variety of techniques including psychodynamic, behavioral, and cognitive therapy as well as mediation and conflict resolution techniques.
I have many years experience counseling children, youth, and adults. I work with individuals, couples, families, and groups. I am also experienced in working with people from multi-cultural backgrounds. I offer a broad spectrum of approaches to help you understand yourself and make positive changes that will make your life a more fulfilling experience. I use a variety of techniques including psychodynamic, behavioral, and cognitive therapy as well as mediation and conflict resolution techniques.
![Photo of Gregory Robert Rolnick, MA, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/2812a1e4-36f7-438d-a07b-23b72cdacc3e/2/320x400.jpeg)
Gregory Robert Rolnick
Marriage & Family Therapist, MA, LMFT
Verified Verified
Langley, WA 98260
Waitlist for new clients
What kind of life do you want? Is it important to have truthful and clear communication, loving relationships, and successful work? Whatever your traumas, losses, and fears have been, there are ways to work through and let go of the past, enjoy the present, and create hope for the future. Skills are available to handle grief, anger, depression, guilt, procrastination, and resentment while maintaining the connection to those we care for and love. Good self-esteem is produced when through positive intention and careful attention we meet our challenges and difficulties to the best of our ability and live a meaningful life.
What kind of life do you want? Is it important to have truthful and clear communication, loving relationships, and successful work? Whatever your traumas, losses, and fears have been, there are ways to work through and let go of the past, enjoy the present, and create hope for the future. Skills are available to handle grief, anger, depression, guilt, procrastination, and resentment while maintaining the connection to those we care for and love. Good self-esteem is produced when through positive intention and careful attention we meet our challenges and difficulties to the best of our ability and live a meaningful life.
![Photo of Veronica Rose Connolly-Bagshaw, MA, LMHC, NCC, RYT, Counselor](https://photos.psychologytoday.com/3c11d142-46cd-11ea-a6ad-06142c356176/3/320x400.jpeg)
Veronica Rose Connolly-Bagshaw
Counselor, MA, LMHC, NCC, RYT
Verified Verified
Langley, WA 98260
Not accepting new clients
Are you struggling with the effects of stress in your body, thoughts, emotions, relationships, and want to respond to stress more skillfully? Are you living with challenges such as anxiety & depression, relationship stress, grief and loss, chronic illness, or are caring for an ill or aging loved one (family caregiving)? Do you have experiences of trauma in your past (or present) that are hindering your quality of life? Are you feeling overwhelmed, unsure of what to do, where to turn to regain your sense of balance and well being? Doing OK yet still want to learn, grow, reach more optimal level of skill, function and quality of life?
Are you struggling with the effects of stress in your body, thoughts, emotions, relationships, and want to respond to stress more skillfully? Are you living with challenges such as anxiety & depression, relationship stress, grief and loss, chronic illness, or are caring for an ill or aging loved one (family caregiving)? Do you have experiences of trauma in your past (or present) that are hindering your quality of life? Are you feeling overwhelmed, unsure of what to do, where to turn to regain your sense of balance and well being? Doing OK yet still want to learn, grow, reach more optimal level of skill, function and quality of life?
More Therapists Nearby
![Photo of Colin Ross Lindborg, MA, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/4539e60d-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
I accept most forms of insurance. Are you feeling sad, anxious, overwhelmed, or have you simply found yourself wanting more from your life? People seek therapy for a variety of reasons, and this seeking is often the first brave step toward living into a sense of greater possibility and deeper relationships! I view therapy first and foremost as healing that arises from a conversation. That conversation can be transformative, can take many forms, and is an act of co-creation between you and me. Let's help you create the life you were meant to live!
I accept most forms of insurance. Are you feeling sad, anxious, overwhelmed, or have you simply found yourself wanting more from your life? People seek therapy for a variety of reasons, and this seeking is often the first brave step toward living into a sense of greater possibility and deeper relationships! I view therapy first and foremost as healing that arises from a conversation. That conversation can be transformative, can take many forms, and is an act of co-creation between you and me. Let's help you create the life you were meant to live!
![Photo of Dani L Rotta - Beyond the Couch Psychotherapy, MA, LMHC, Counselor](https://photos.psychologytoday.com/5115fa21-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
Congratulations for getting this far in your quest to enrich your life! Calling me (or any therapist) can be another challenging step. I offer a FREE 30-minute session to help you find the best person to assist you. My Therapeutic Approach revolves around you and your goals. My training supports our collaboration for your success attaining the life you want and deserve drawing on Family Systems Theory, Comprehensive Resource Model (CRM), EMDR, Dialectic Behavior Therapy (DBT), Voice Dialogue, Cognitive Behavioral Therapy (CBT), Neuro-Linguistic Processing (NLP), and Motivational Interviewing (MI), all within a holistic approach.
Congratulations for getting this far in your quest to enrich your life! Calling me (or any therapist) can be another challenging step. I offer a FREE 30-minute session to help you find the best person to assist you. My Therapeutic Approach revolves around you and your goals. My training supports our collaboration for your success attaining the life you want and deserve drawing on Family Systems Theory, Comprehensive Resource Model (CRM), EMDR, Dialectic Behavior Therapy (DBT), Voice Dialogue, Cognitive Behavioral Therapy (CBT), Neuro-Linguistic Processing (NLP), and Motivational Interviewing (MI), all within a holistic approach.
![Photo of Jennifer R Ayers - Rising Phoenix Wellness Center, LLC, MSW, LICSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/09f14a20-6002-4b8c-9490-9207bcbb8e7c/2/320x400.jpeg)
Rising Phoenix Wellness Center, LLC
Clinical Social Work/Therapist, MSW, LICSW
Verified Verified
2 Endorsed
Freeland, WA 98249 (Online Only)
Waitlist for new clients
Waitlisting Clients. Our practice is focused on providing evidence based interventions to active duty service members and veterans. RPWC offers psychotherapy virtually as well as telemedicine for prescribing. The owner, Jennifer Ayers, is a navy veteran with over 20 years of experience in the field. She is a trauma therapist focusing on PTSD due to MST and complex trauma. Emily Munn is a navy veteran as well who specializes in Eating Disorders, Couples Therapy, and Grief.
Waitlisting Clients. Our practice is focused on providing evidence based interventions to active duty service members and veterans. RPWC offers psychotherapy virtually as well as telemedicine for prescribing. The owner, Jennifer Ayers, is a navy veteran with over 20 years of experience in the field. She is a trauma therapist focusing on PTSD due to MST and complex trauma. Emily Munn is a navy veteran as well who specializes in Eating Disorders, Couples Therapy, and Grief.
![Photo of Gazelle Williams - Gazelle Williams MA, LMHC, LMHC, Counselor](https://photos.psychologytoday.com/921a9340-64f4-4b9e-a5ce-ede76efaea2f/2/320x400.jpeg)
I believe that therapy is a place where you work through difficult issues with another individual, a counselor. The therapeutic relationship is different from relationships with friends and other natural supports. The counselor assists you in developing your own strength and wisdom that is within yourself.
I believe that therapy is a place where you work through difficult issues with another individual, a counselor. The therapeutic relationship is different from relationships with friends and other natural supports. The counselor assists you in developing your own strength and wisdom that is within yourself.
![Photo of Geoffrey M. Simkins, MSW, LICSW, Clinical Social Work/Therapist](https://photos.psychologytoday.com/4070261c-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
Geoffrey M. Simkins
Clinical Social Work/Therapist, MSW, LICSW
Verified Verified
Mukilteo, WA 98275 (Online Only)
My focus is on helping people improve themselves and help them enjoy their lives. I think sometimes to get better outcomes, if we might want to change our behaviors/thoughts/feelings. Typically I use DBT, CBT and behavioral techniques that might help us make some changes. An engaged client that puts in some effort during session and/or towards their treatment plan that usually does best. Only sees adults, over +18.
My focus is on helping people improve themselves and help them enjoy their lives. I think sometimes to get better outcomes, if we might want to change our behaviors/thoughts/feelings. Typically I use DBT, CBT and behavioral techniques that might help us make some changes. An engaged client that puts in some effort during session and/or towards their treatment plan that usually does best. Only sees adults, over +18.
![Photo of Mindy Jones, MA, LMHCA, Counselor](https://photos.psychologytoday.com/e3dd2e99-08b5-4fd0-8257-2a553e676614/1/320x400.jpeg)
I draw on several approaches for treatment including EMDR, mindfulness-based CBT, and traditional talk therapy, tailoring my practice toward the needs of each person. I use a humanistic attachment lens informed by interpersonal neurobiology. I primarily work with people who have complex intersections of identity and those who have experienced trauma. The trauma may surface through symptoms of depression, anxiety, PTSD, or difficulty managing relationships. I work with a lot of individuals who have experienced complex trauma, developmental trauma, a single traumatic event, emotional neglect, and physical neglect.
I draw on several approaches for treatment including EMDR, mindfulness-based CBT, and traditional talk therapy, tailoring my practice toward the needs of each person. I use a humanistic attachment lens informed by interpersonal neurobiology. I primarily work with people who have complex intersections of identity and those who have experienced trauma. The trauma may surface through symptoms of depression, anxiety, PTSD, or difficulty managing relationships. I work with a lot of individuals who have experienced complex trauma, developmental trauma, a single traumatic event, emotional neglect, and physical neglect.
![Photo of Jude Farrell Patton, LMFT, Marriage & Family Therapist](https://photos.psychologytoday.com/606b14db-453a-4660-909f-30c7e1946d4d/1/320x400.jpeg)
Jude Farrell Patton
Marriage & Family Therapist, LMFT
Verified Verified
Everett, WA 98203 (Online Only)
Ideally, I would like to use my extensive training and 40+ years of counseling experience to support, assist and advocate for clients whose personal identity lies on the LGBTQIA2S+ spectrum, while they explore, investigate, or plan the rest of their life journey in their true identity. Naturally, I do NOT exclude others from becoming clients, since I also have a wealth of experience serving clients from the vast straight and cisgender community.
Ideally, I would like to use my extensive training and 40+ years of counseling experience to support, assist and advocate for clients whose personal identity lies on the LGBTQIA2S+ spectrum, while they explore, investigate, or plan the rest of their life journey in their true identity. Naturally, I do NOT exclude others from becoming clients, since I also have a wealth of experience serving clients from the vast straight and cisgender community.
![Photo of Javier Fregoso, MA, LMHC, Counselor](https://photos.psychologytoday.com/cb2a44e9-572e-44a9-9f48-ce6c6fd72e6a/2/320x400.jpeg)
It is my belief that people are always in a state of becoming - changing and evolving. Along the way of life, challenges arise to help us learn and grow. I aim to utilize strengths and provide clarity to certain life challenges, past or present, in order for clients to heal and continue on their path of self discovery. I have over a decade of experience in various clinical and community settings that have helped me grow professionally and personally. I strive to co-create an authentic connection with my clients in order for them to feel at ease, to feel seen, and be able to explore areas in life they want to work on.
It is my belief that people are always in a state of becoming - changing and evolving. Along the way of life, challenges arise to help us learn and grow. I aim to utilize strengths and provide clarity to certain life challenges, past or present, in order for clients to heal and continue on their path of self discovery. I have over a decade of experience in various clinical and community settings that have helped me grow professionally and personally. I strive to co-create an authentic connection with my clients in order for them to feel at ease, to feel seen, and be able to explore areas in life they want to work on.
![Photo of Kristin Schaaf, PhD, Psychologist](https://photos.psychologytoday.com/51429d7a-46cd-11ea-a6ad-06142c356176/2/320x400.jpeg)
I provide psychotherapy to individuals and couples. I also do hypnotherapy and psychological evaluations. My theoretical orientation depends on your needs and the type of therapy you are seeking. In order for psychotherapy to be effective, there must be openness and trust, commitment to change, and an attitude of collaboration between client and therapist. Together we will explore the problems that led you into therapy, discuss your past as it is relevant to your present situation, and establish goals for your treatment.
I provide psychotherapy to individuals and couples. I also do hypnotherapy and psychological evaluations. My theoretical orientation depends on your needs and the type of therapy you are seeking. In order for psychotherapy to be effective, there must be openness and trust, commitment to change, and an attitude of collaboration between client and therapist. Together we will explore the problems that led you into therapy, discuss your past as it is relevant to your present situation, and establish goals for your treatment.
See more therapy options for Langley
Nearby Blue Cross Therapists Searches for Langley
- Chimacum
- Coupeville
- Edmonds
- Everett
- Freeland
- Marysville
- Mountlake Terrace
- Mukilteo
- Port Hadlock
- Port Ludlow
- Port Townsend
- Stanwood
Blue Cross Therapists
Does insurance cover therapy, prescriptions and other behavioral health services?
In general, yes. Laws in the U.S. require insurers to cover essential behavioral health care at the same level as other health care services. Most health plans require a medical diagnosis and treatments that are evidence based and medically essential. This means that life coaching and alternative therapies are not covered, nor is therapy without a diagnosis. Call the number on the back or your insurance card or visit your insurance company's website to review your Summary of Benefits. If you have insurance through your employer, your Human Resources department may also be able to answer questions.
How much does therapy cost with insurance?
The cost of therapy depends on your region, how much training and experience your therapist has, and the type of treatment. The rate for talk therapy generally falls between $100 and $250. For a client seeing an in-network provider, the cost of therapy is often similar to the cost of other health care services. Clients pay co-pays and may need to satisfy a plan’s deductible before benefits kick in.
What is the difference between In-Network and Out-of-Network insurance coverage?
An in-network provider has contracted with an insurer to get paid directly for services, and to accept the insurer’s rate of compensation. Clients are responsible for deductibles and copays. If a therapist is out of network, that means that the client pays the therapist directly for services at the therapist’s regular fee. Out-of-Network providers often give clients a receipt so that they can file for partial reimbursement with their insurance company.
Is it difficult to find an In-Network therapist?
It is not unusual for therapists to limit the number of insurance patients in their practice, so it’s important to check in-network availability when you schedule your first appointment. In regions and times where therapy is in high demand it may take longer to get scheduled with an in-network therapist.
What is the difference between HMO and PPO insurance plans?
HMO health plans only cover in-network services, there is no reimbursement for out-of-network providers. PPO plans often cover both in- and out-of-network services, though the client may pay more for out-of-network services.
What is a Superbill?
A superbill is a receipt for therapy services. It provides all the information required by insurance companies to reimburse you for out-of-network services, including the diagnostic codes for your care, the amount paid, and the dates and duration of care.
Does insurance cover Online therapy?
Many therapists who shifted their practice to online therapy during the pandemic have kept that arrangement. And most insurers continue to cover telehealth services, with a few exceptions. Preventive care (such as an annual depression screening) is often required to be in-person to be covered, and some states require prescribers of controlled substances to see those patients in person.
Does insurance cover Group therapy?
Many insurance plans provide coverage for group therapy provided there is a medical diagnosis for group members, but there are some noteworthy exceptions. For example, Medicare does not always cover group therapy. Group therapy tends to cost less than individual therapy.
Does insurance cover Couples therapy?
Most insurance companies do not cover the cost of couples therapy because there is no medical diagnosis or medically necessary treatment. However, a few plans will offer a limited benefit, so it is still worth checking with your insurance company. Sometimes therapy is covered for a couple when one person has a diagnosis and another family member joins them for joint therapy, but it is considered therapy for the medical condition that includes a family member as a listener or helper, not couples counseling. Without insurance, most clients pay between $100-300 per 60-90 min session for couples therapy. Often clients can find classes or workshops that make it more affordable to work on their relationship. And some employers offer benefit plans that help defray the cost of couples therapy.
Learn more about Insurance Coverage and Finding Affordable Therapy
Learn more about Insurance Coverage and Finding Affordable Therapy