Fees & Insurance

We accept the insurance plans and benefit programs listed below, including commercial plans and participating PMAP (Prepaid Medical Assistance Program) plans.Participation varies by therapist and specific plan, so please confirm that your chosen therapist accepts your coverage before your first appointment.AetnaBlue Cross Blue Shield (Commercial & PMAP)CignaCurativeFirst Health NetworkHealthEZ / America’s PPOHealthPartners (Commercial & PMAP)Hennepin HealthHumanaLyra EAPMedica (Commercial & PMAP)Medicare (Confirm your therapist accepts Medicare; pre-licensed therapists cannot bill Medicare.)Minnesota Medical Assistance (Medicaid)OptumSurestUCare Commercial (accepted through December 31, 2026)UnitedHealthcareUMRWe submit claims on your behalf when you use accepted insurance. If you’d like help finding a therapist who accepts your plan, select Help Me Find a Match.

When we’re in-network with your plan, covered services are billed at a negotiated rate that is generally lower than our standard fees. Your benefits determine how much of that amount you pay. Here’s what a few common insurance terms mean: Copay: A fixed amount you pay for a covered appointment.Coinsurance: A percentage of your plan’s negotiated rate.Deductible: An amount you may need to pay before your plan begins sharing the cost. If your therapy benefit is subject to a deductible, you may pay the full negotiated rate until it’s met.Out-of-pocket maximum: Once you reach your plan’s limit, it generally pays the full cost of covered, in-network services for the rest of the plan year. Some plans cover therapy with a copay before the deductible is met. You can contact your insurance company to learn how your benefits apply to therapy.

The member-services number on your insurance card is a good place to start. These questions can help: Is this therapist in-network under Through Therapy Collective?Does my plan cover outpatient mental health care?What will I pay per session?Does my deductible apply, and how much remains?Are telehealth appointments covered?Do I need a referral or prior authorization? If the answers feel confusing, your therapist can help you identify what to ask next.

If your plan includes out-of-network mental health benefits, you may be able to receive reimbursement for part of your cost. You pay the agreed-upon fee directly.With most payers, we can submit out-of-network claims on your behalf.When direct submission isn’t available, we can provide a superbill—an itemized receipt you submit to your insurer.Your insurance company determines whether reimbursement is available and how much it will cover. You can contact your insurer before starting care to ask about out-of-network benefits, including any separate deductible.

Insurance generally does not cover couples counseling when the purpose is relationship support alone. Some plans cover family therapy as part of treatment for one person’s diagnosed mental health condition. In that situation: One person is identified as the client receiving treatment.Involving a partner or family member must support that person’s treatment.Coverage depends on the plan and the therapist’s assessment. Your therapist can help you understand whether this applies to your situation. Private-pay couples therapy is also available, with reduced-fee options when offered.

Many plans cover telehealth therapy. Your cost depends on your plan’s benefits and your therapist’s participation. You can contact your insurance company to confirm your telehealth benefits before your first online appointment. If you’re unsure what to ask, your therapist can help.