The decision to start therapy can feel daunting. Of course, you’ll have questions. If you don’t find your answers here, just reach out.
Do You Take Insurance?
We are in-network with HealthPartners, Blue Cross/Blue Shield, PreferredOne, Aetna, UCare, Medica, UnitedHealthcare, UMR, and OPTUM plans; we also accept MN Medical Assistance/Medicaid. We will submit insurance claims on your behalf and any portion owed by you will be due at the time of your appointment. If we are not in-network with your insurance plan, you can inquire about using your out-of-network benefits. We will provide you with a super bill that you may send to your insurance company for direct reimbursement. In order to determine the net cost of your session using your insurance, please research and compute your deductible, the total deductible amount already accrued for the calendar year, and the percentage of the therapy fee your insurance company will cover.
Does Insurance Cover Video Therapy?
Video therapy, also called telehealth, is usually covered by commercial insurance plans the same way that office visits are covered. If you are unsure, we can help you navigate your telehealth benefits prior to beginning your first appointment.
How Long Can I Expect To Be In Therapy?
The length of therapy is unique to each individual and couple and truly is determined by your life experiences and your goals for therapy, as well as the extent of your needs. At the beginning of treatment, we will work with you to determine your goals and then check in with you regularly to assess and re-evaluate.
How Long Is Each Session?
Individual sessions are 45 mins; Couple or family sessions are 50-55 minutes.
What Are Your Fees?
The initial visit is an assessment appointment and is $200. Individual therapy is $130 for a 45 minute session or $150 for a 53+ minute session. Couple and family sessions are $150. Our therapists occasionally offer fees on a sliding scale basis. Please inquire with your therapist to see if you are eligible for a sliding scale rate for therapy services.
How Frequent Are Sessions?
Research shows that clients who engage in weekly therapy benefit more from their therapy experience than those who come in less frequently. For this reason, we highly recommend scheduling weekly sessions until you and your therapist agree to reduce the frequency of sessions. If you would prefer to meet more or less frequently, we would be happy to discuss a schedule that accommodates your financial and scheduling needs.
How Do I Schedule An Appointment?
After reading the therapist bios, please contact the therapist you'd like to schedule with using the contact button at the bottom of their page. It is helpful to include your insurance type, scheduling preferences, and a brief note about what you'd like help with. You can also email email@example.com to learn more. We look forward to hearing from you!
What is a “deductible,” “copay,” and “coinsurance”?
Most, but not all, insurance plans generally start with a fixed deductible that you will need to exhaust each insurance year (12 months from the start of your insurance) BEFORE insurance will cover services. This deductible could be $100 or several thousand dollars. If you have a deductible, insurance will process your claim and your responsibility will be the full contracted rate for the service. For example, if we have a contract with your insurance that we will be paid $125 for a service and you have a deductible, you will be responsible for the full $125.
COPAY & COINSURANCE
Usually after you exhaust your deductible in each insurance year, you may have a copay or a coinsurance. A copay is a fixed amount you will pay each session, like $20 or $50. Insurance will cover the rest of our contracted rate.
A coinsurance is a percentage you pay for each session, like 20% or 30% of the contracted rate. For example, if our contract rate with your insurance is $125 and you have a 30% coinsurance, you would be responsible for $37.50 ($125 x .30 = $37.50). Insurance will cover the rest of our contracted rate.
Sometimes insurance begins to cover the ENTIRE cost of your services. That’s because you have reached your “out-of-pocket” maximum, which is the maximum amount you and/or your family are required to pay out-of-pocket for deductibles and copays/coinsurances each insurance year.
Please know this information is for educational purposes only and may not accurately describe how your specific insurance functions. It is the responsibility of each client of Through Therapy Collective to be aware of her/his/their insurance benefits. However, we hope this is a helpful guide to some terminology that you may encounter in your research.