Therapy Rates and Insurance Information
We want you to feel informed and supported when starting therapy. Below is a clear overview of self-pay rates, insurance coverage, and what to expect before your first session.
Self-Pay Rates
Each clinician has their own self-pay rate based on experience and session length:
- 35–45 minute sessions: $140–$165
- 53–55 minute sessions: $175–$210
You can find your clinician’s exact rate on their provider biography page.
Insurance Coverage
Every insurance company has a contracted rate they have agreed upon with our clinic. These rates are typically similar across mental health clinics in the area due to standardized fee schedules.
Common Billing Codes
- 90791: Diagnostic assessment (usually used at the start of treatment)
- 90837: Individual therapy, 53–55 minutes
Because codes are based on the type and length of service provided, the exact amount billed is not known until after the session.
Typical Contract Rate Range
Contracted rates for a 90837 session generally fall between $100–$225, depending on your insurance plan.
Your Out-of-Pocket Costs
Co-Pay
If your insurance card lists a mental health or primary care co-pay, that is the amount you will owe at each session.
Deductible
If no co-pay is listed, you likely have a deductible to meet before your plan pays for services.
Plans With No Client Cost
Some plans offer mental health coverage at no cost to the member, including:
- Hennepin County employee plans
- Minnesota State employee plans
- MNCare / PMAP Medicaid plans administered by the state
Good Faith Estimates
If you are concerned about cost, your clinician can create a Good Faith Estimate based on your insurance contract rates. This is an estimate only. Your insurance company is the only source that can provide a legally binding cost breakdown.
When contacting your insurance, they may ask which billing codes are used. The most common codes include:
- 90791 for diagnostic assessment- 1 or 2 sessions
- 90837 for ongoing therapy sessions (53-55 min)- # of sessions varies drastically on diagnosis, history, treatment goals and participation.
How to Verify Your Insurance Benefits
We strongly encourage you to call the number on the back of your insurance card before submitting an appointment request. Having this information ahead of time can reduce financial stress and help you plan your care.
Ask your plan:
- What is my deductible, and how much has been met?
- Do I have a co-pay, and what is the amount?
- What is my coverage per therapy session?
Tip: Write down the representative’s name, date, time, and details of the call in case claims are denied later.
Accepted Insurance Plans
We are in-network with the following plans:
- HSA / FSA Accounts
- Aetna (no Medicare or Allina)
- First Health
- Blue Cross Blue Shield (BCBS) all plans, all out of state plans are run through the local plan
- Sanford Health
- HealthPartners
- UCare
- Cigna
- OPTUM plans (Medica, UMR, UBH, UHG, Surest)
Plans We Cannot Accept
We are out-of-network with any plan not listed above as well as the following;
- Medica State (Medicaid)
- Medica Medicare
- Allina plans through Aetna
- Aetna Medicare
- Aetna Mayo
- All Employee Assistance Programs (EAP)
If you’re unsure whether your plan is in-network, please call your insurance company to confirm coverage.
The reason why we are not contracted with other plans are due to the plan not offering a fair contract rate for the level of experience, education and specialty that went into being able to offer this service. In order to keep a level of integrity to our work, we only contract with plans that offer fair enough rates to cover the service.
Billing and Claims
We submit claims to your insurance as a courtesy.
However, please be aware that:
- Your insurance company may deny or not process claims correctly according to our contract.
- You are responsible for any balance not covered by insurance.
- We will notify you if a claim is denied.
- You may appeal denied claims directly with your insurance plan.
- We guarantee we will always reprocess claims if they were rejected due to a clerical error on our part (IE: DOB or address in incorrect)
- We guarantee to send a clean claim through. A clean claim is putting all of the info you gave us including your dx and the billing code with DOS. If you give us the wrong info, your claim will not clear for payment or adjustment.
- If a claim is rejected without a reason we can fix, such as, “we cannot identify the member as ours”, you will be responsible to call into your plan. You can always switch your claim to self pay if you do not want to follow up with your plan.
- Sessions are paused at the discretion of the therapist, billing department or owner if the insurance is not paying and the client is not willing to switch to self-pay. Accounts needs to stay under $200 in order to continue scheduling.
If insurance later pays after an appeal, we will issue a refund for any resulting credit.
Using HSA or FSA Funds
You may use your HSA or FSA card to pay for co-pays, deductibles, or self-pay services. Many clients find this helpful when their plan is out-of-network or coverage is limited.
Payment Methods
We accept cash, check, all major credit cards, and HSA/FSA cards.
Cancellation Policy
If you miss a scheduled appointment or cancel with fewer than 48 hours (two full business days) notice, a $100 late cancellation or no-show fee will be charged. This fee cannot be billed to insurance.