Insurance and Payment Options
Making quality mental health care accessible through comprehensive insurance coverage and flexible payment solutions tailored to your financial needs
Comprehensive Insurance Coverage
Your Mental Health Matters - We Make It Accessible
At Kindwaters Therapy, we believe that financial barriers should never prevent you from accessing quality mental health care. We work with major insurance providers and offer flexible payment options to ensure our services are available to everyone in our community.
Understanding insurance coverage for mental health services can be complex and overwhelming. Our experienced billing team is dedicated to making this process as transparent and straightforward as possible, helping you understand your benefits and maximize your coverage for therapeutic services.
We are proud to be in-network providers with several major insurance plans, which means reduced out-of-pocket costs for our clients. Our administrative staff works directly with insurance companies to verify benefits, process claims efficiently, and ensure you receive the maximum coverage available under your plan.
For individuals whose insurance plans are not currently in our network, we provide detailed documentation to help you seek reimbursement from your insurance company. We also offer competitive self-pay rates and sliding fee scale options to ensure that cost never becomes a barrier to receiving the mental health support you deserve.
Accepted Insurance Plans
We currently accept the following insurance plans and are continuously working to expand our network to serve more clients in the Twin Cities area. Each plan offers different levels of coverage for mental health services, and our team is here to help you understand your specific benefits.
Hennepin Health
Comprehensive mental health coverage for individuals and families in Hennepin County with full therapeutic service benefits.
Medica / UBH
United Behavioral Health coverage through Medica plans providing extensive mental health and substance abuse treatment options.
UCare
Minnesota-based health plan offering robust mental health benefits with focus on community-centered care and wellness.
Medical Assistance
State-funded healthcare program providing comprehensive mental health coverage for eligible Minnesota residents.
Is Your Plan Not Listed?
If your insurance plan is not listed here, please check with your insurance carrier to determine whether the provider you wish to see at Kindwaters Therapy is in your network. Our billing team is also happy to assist with benefit verification and can help you understand your out-of-network benefits.
Flexible Payment Solutions
We understand that mental health care is an investment in your overall wellbeing, and we're committed to making our services financially accessible. Beyond insurance coverage, we offer multiple payment options designed to accommodate different financial situations and preferences.
Our sliding fee scale program is available for individuals and families who prefer to pay out-of-pocket or whose insurance coverage may not fully meet their therapeutic needs. This program takes into consideration your household income and family size to determine a rate that makes our services accessible while maintaining the quality of care you deserve.
We believe that financial stress should not add to the challenges you're already facing, which is why we work with each client to find a payment solution that allows you to focus on your healing and growth rather than worrying about the cost of care.
Co-Payment Information
Insurance plans typically require co-payments for mental health services, which are due at the time of your appointment. Co-payment amounts vary depending on your specific insurance plan and coverage level.
- Co-pays are required at time of service
- Amount varies by insurance plan
- Accepted via cash, credit, or debit card
- Receipt provided for your records
Private Pay Options
For clients choosing to pay privately, we accept multiple forms of payment to ensure convenience and accessibility for all our clients.
- Cash payments accepted
- Credit and debit cards (all major cards)
- Sliding fee scale available
- Payment plans can be arranged
- Detailed receipts for insurance reimbursement
Frequently Asked Questions
Our billing team can help verify your benefits before your first appointment. We recommend calling your insurance company directly or checking your member portal online. Key information to ask about includes: mental health coverage, copay amounts, deductible requirements, and any prior authorization needs.
Under the Mental Health Parity Act, most insurance plans are required to provide mental health coverage equal to medical coverage. If you're having issues with coverage, our team can help advocate for your benefits. We also offer sliding fee scale options for those paying out-of-pocket.
Yes! Mental health services, including therapy and counseling, are eligible expenses for both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). We provide detailed receipts that include all necessary information for HSA/FSA reimbursement.
Our sliding fee scale program offers reduced rates based on household income and family size. This program is designed to make our services accessible to individuals and families who may not have insurance coverage or who prefer to pay privately. Contact our office to discuss your specific situation and determine eligibility.
Yes, we understand that mental health care is an important investment, and we're willing to work with clients to arrange payment plans that fit their budget. Please speak with our billing team to discuss options that work best for your financial situation.
Questions About Coverage or Payment?
Our experienced billing team is here to help you understand your insurance benefits and find the payment option that works best for your situation. Don't let financial concerns prevent you from getting the mental health support you deserve.
Contact Our Billing Team
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