Frequently Asked Questions

We are in-network with Aetna, Bind/Surest, Cigna, First Health Network, HealthEZ/America's PPO, Lyra EAP, HealthPartners, Humana, Blue Cross/Blue Shield, Aetna, UCare, 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 Couples Therapy? No, insurance does not cover couples therapy as a distinct service. The closest billable service is Family Therapy, but whether your insurance considers a couple as a "family unit" depends on your specific policy. We recommend checking with your insurance provider to see if they cover Family Therapy in this context. Can a Partner Be Included in Therapy Sessions? In some cases, an individual receiving treatment for their own mental health diagnosis may involve a partner or family member in their sessions—but only if the therapist determines it supports the individual’s treatment goals. These sessions remain focused on the individual, not the couple as a unit. How Do I Know What My Insurance Will Cover? Before insurance can be billed for any therapy service, a diagnostic assessment must be completed. This helps determine if the person seeking services meets the criteria for an eligible mental health diagnosis. The assessing therapist will then provide guidance on the next steps. If you’re unsure about your coverage, we encourage you to contact your insurance provider directly to ask about Family Therapy benefits. How Can We Receive Couples Therapy If Insurance Doesn’t Cover It? We absolutely offer couples therapy and have therapists who are highly specialized in working with couples. Since this service is not covered by insurance, it is available through a private pay agreement at our standard rates. For those needing financial assistance, we offer a sliding fee scale based on financial eligibility and therapist availability. Please refer to our fees posted on this website or inquire about sliding scale options. Additionally, HSA (Health Savings Account) and FSA (Flexible Spending Account) funds can be used to pay for private pay therapy sessions. For those seeking lower-cost options, our intern therapists may have greater availability for reduced-rate sessions. They work under the supervision of our highly trained couples therapists, ensuring high-quality care at a more affordable rate. If you have any questions or would like to explore therapy options, please reach out—we're happy to help!

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.

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.

Individual sessions typically range from 45 to 55 mins; Couple or family sessions are typically 50-55 minutes.

The initial visit is an assessment appointment and is $250. Individual therapy is $175 for a 45 minute session or $200 for a 53+ minute session. Couple and family sessions are $200. If you are using commercial insurance, please note that our insurance rates are usually discounted for plans we are in-network with, so your true out-of-pocket costs might be lower than our standard rates. Our therapists also offer fees on a sliding scale basis for those with financial need. Please inquire with your therapist to see if you are eligible for a sliding scale rate for therapy services.

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.

After reading the therapist bios, please contact the therapist you'd like to schedule with via the email address featured on their bio page, or submit a contact form through the website. 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 info@throughtherapy.com to learn more. We look forward to hearing from you!

DEDUCTIBLE 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. FINALLY… 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.

NO SURPRISE BILLING Section 2799B-3 of the Public Health Service Act (PHS Act) requires health care providers and facilities to make publicly available, post on a public website of the provider or facility (if applicable), and provide a one-page notice that includes information in clear and understandable language on: the restrictions on providers and facilities regarding balance billing in certain circumstances, any applicable state law protections against balance billing, and information on contacting appropriate state and federal agencies in the case that an individual believes that a provider or facility has violated the restrictions against balance billing. The full download to read is here for you: No Surprise Billing Good Faith Estimate We can provide you with a Good Faith Estimate (GFE) for any service provided upon request.