Fees and Insurance

Please check your coverage carefully before the first session by calling your insurance provider at the number listed on the back of your insurance card.

Private Pay

Rates:

Intake (60 mins) - $275

Individual (38-52 minutes) - $175

Individual (53 minutes plus) - $225

Family (45-55 minutes)- $175

Interaction Play Therapy - $40 in addition to session

Sliding fees are available - rate would be determined with your provider

In Network:

Aetna

Blue Cross/Blue Shield of MN

Cigna

Health Partners

Medica *

Tricare *

Medical Assistance (MA)

Optum Health

Preferred One

UCare

United Behavioral Health (UBH)*

UnitedHealthCare*

*Unlicensed therapists are not covered in-network with these insurance companies

Out-Of-Network Insurance

Out-of-Network rates apply to providers not listed above. Many insurance programs will reimburse member up to 80% of the fee. Please contact your insurance for out-of-network benefit options.

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network
provider at an in-network hospital or ambulatory surgical center,
you are protected from surprise billing or balance billing.

If there is a problem with your billing, please contact your therapist.  In the event a
resolution is not reached, please contact Sarah Coleman at scoleman@seedsforchangecounseling.com


What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.”  This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in network facility but are unexpectedly treated by an out-of-network provider. 

You are protected from balance billing for:
Emergency services
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.  If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections: 

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly. 

  • Your health plan generally must: 

    • Cover emergency services without requiring you to get approval for services in advance (prior authorization). 

    • Cover emergency services by out-of-network providers. 

    • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits. 

    • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit. 

If you believe you’ve been wrongly billed, you may contact: