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Rates & Insurance

Privacy and Policy Brochures:

Notice of No Surprises Act & Good Faith Estimate:

Under the law, health care providers need to give clients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. 

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.

You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment.  

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. 

 For questions or more information about your right to a Good Faith Estimate, or how to dispute a bill, see your Estimate, or visit

Cash Rates:  

Cash rates will typically average $140.00 for 60 minutes. Rates vary with each therapist based on the service requested. Give us a call for more information.

Insurance Accepted:  

We have providers in network for BCBS MN, BCBS WI (Anthem), Health Partners, Medica/UBH, Cigna, WEA Trust.  

Please view the therapists' profiles, or call our office to see which of our providers may accept your insurance.

We do not accept Medical Assistance, Medicare, Forward or Badger Care at this time.

Financial Assistance:  

Financial assistance is available when funds allow.  The Butterfly Path is an organization that raises funds for counseling services for those who cannot afford services, or lose their insurance temporarily.  Please call to see if we have any remaining funds available at that time.  If we do not, you could contact The Butterfly Path to see what other clinics might have their funding available.  

Insurance Coverage for COUPLES & FAMILY COUNSELING
(Important, Please Read)

It is important that you call your insurance to ask if you have insurance coverage for couples and family counseling/therapy.

Commonly an insurance company will answer, "Yes, couple and family therapy is covered if there is a mental health disorder/diagnosis."

What that typically means is:

  • One family member would need to meet criteria for a covered mental health disorder and diagnosis (such as depression or anxiety), and be named and diagnosed as the "patient/client."
  • This mental health diagnosis will be submitted to the insurance company and become part of the patient's medical record.
  • Couples/family sessions could be covered for the "patient" along with individual sessions as part of the treatment plan to improve the mental health disorder of that "patient."  

It is important to understand that couples/family therapy sessions with the focus on a patient's illness is quite different than couples/family counseling which focuses on the health and function of the couple/family relationship as the primary focus.

Please discuss this with your therapist so you can make the best choice for you and your relationship.  

How to Choose Cash vs. Insurance for Counseling:

It is important to understand a few things when choosing to use your insurance for mental health services.  

First, in order for insurance to cover this treatment, it must be deemed "medically necessary" in order to treat the disorder that is diagnosed and reported to the insurance company. 

Second, when seeking psychotherapy services that are being submitted to your insurance company, you will be forming a medical record of your status and treatment.  This information can then be requested by other insurance policies you apply for, and other entities if required by their policies.  Many people do not have concerns about this, or complications with it either, but it is important for you to be informed.

Third, when paying cash for psychotherapy sessions, there is more confidentiality in the sense that insurance companies do not have access to the record, your diagnosis, or your treatment.

Finally, when paying cash for psychotherapy sessions, no diagnosis is required and you have more freedom to focus on the issues of your choice, such as your work, relationship, personal growth, etc.

Calling Your Insurance:

CFTC therapists are providers for many insurance companies.  Please call your insurance company's member services and ask:

  • What are my "outpatient mental health benefits?"
  • Do I need a "pre-authorization" to begin therapy services?
  • Is the therapist I'm interested in "in network?"
  • If not, what are my "out of network" benefits?
  • Is couples and family counseling covered?

Payments & Co-pays:

Insurance co-pays and cash rates are due at each session.  CFTC requires each client to keep a valid credit card on file that will be charged regularly upon processed sessions.  This is in order to keep client's balances low and to minimize the need for bringing checks and cash.  Clients will receive monthly statements notifying them of their balance if there is one.  It would be appreciated that payments be made upon receipt of the statement.   If a payment arrangement is desired due to financial hardship, please discuss with the therapist.

Cancellation Policy:

CFTC requires a 48-hour notice (business days) of cancelled appointments.  We have a list of clients waiting to fill any open hour.  Therefore, with less than 24 hours notice a fee will be charged to the client if we are unable to fill that hour.  Please cancel by voicemail or email.

Missed/Failed Appointments & Late Cancellation Fees:

Clients will be charged a $75.00 fee for missed appointments and late cancellations where the hour remained unfilled.  This fee cannot be billed to insurance and will be billed directly to the client.

Phone Consultation:

The primary services of CFTC are face-to-face or telehealth psychotherapy sessions.  However, at times phone consultation may become desirable and/or necessary.  These services cannot be billed through insurance.  However, a cash rate may be discussed with the therapist for such services.