Insurance
I am in network with the following insurance companies:
- Wellmark BCBS
- Sanford Health Plans
- Avera Health Plans
Intake Assessment (first appointment)
$245
Subsequent therapy sessions (53 minutes)
$235
Please verify your coverage, deductible, and copay directly your insurance company. Copay is due at time of session.
Private Pay
Credit card, HSA, FSA
To reflect reduced admin time, I am pleased to offer a discount on each session for those who opt for private pay.
Intake Assessment (first appointment)
$195
Subsequent therapy sessions (53 minutes)
$180
Considerations
I work with both Private Pay and Insurance Pay clients, and encourage clients to consider the advantages and disadvantages of both approaches.
Advantages of Using Insurance:
- Lower Out-of-Pocket Costs: Depending on your insurance plan, copays and deductibles can make therapy more affordable.
- Consistency: Fewer interruptions in receiving therapy due to financial resources.
Disadvantages of Using Insurance:
- Diagnosis Requirement: Insurance companies require a formal diagnosis, which becomes part of your permanent health record.
- Session Limitations: Insurance plans can limit session length (e.g., no sessions over 60 minutes) and the number of sessions covered per year.
- Privacy Concerns: Using insurance means that your therapy records are shared with the insurance company, which may impact your privacy.
- Restricted Choice of Therapists: You may be limited to choosing therapists who are within your insurance network.
Advantages of Private Pay:
- Greater Privacy: Your therapy records remain confidential between you and your therapist, with no third-party access.
- No Diagnosis Needed: You do not need a formal diagnosis to receive therapy, maintaining more privacy over your mental health status.
- Flexibility: You can choose the length and frequency of your sessions without restrictions from insurance companies.
- Therapist Choice: You have the freedom to select any therapist, not just those within an insurance network.
Disadvantages of Private Pay:
- Higher Out-of-Pocket Costs: Paying out of pocket can be more expensive without the financial support of insurance.
- Accessibility: Higher costs may limit the ability to access therapy for those with budget constraints, and may interrupt therapy services if financial availability runs dry.
Understanding these pros and cons can help you make an informed decision about the best payment option for your therapy.