Fee-for-Service Payment (Self-Pay)
Self-paying for therapy offers certain benefits that billing insurance does not. Consider this option for greater flexibility in your therapeutic services:
Privacy. Insurance providers require the completion of a diagnostic assessment and treatment plan as justification for therapy. These documents become a part of your permanent health care record. Self-pay services allow your health information to remain private and for you to opt out of diagnosis altogether if you and your therapist determine this is appropriate.
Simplicity. Insurance providers have made it more difficult than ever to know what to expect as it relates to billing. With self-pay services, there are no surprises. The price listed is always what you’ll pay. Payments will be charged to the credit card on file.
Agency. When billing insurance, your insurance provider may have limitations that impact your ability to access treatment. Session limits, excluded diagnoses, and excluded services, such as couple’s therapy, may be a barrier to you getting the most appropriate treatment. Self-pay services allow you and your therapist to determine the length and structure of services based on your needs and goals.
FBTA is happy to provide clients with the necessary billing information to submit to their Health Insurance, Health Savings Account (HSA), or Flexible Spending Account (FSA) for reimbursement.
We are happy to bill your insurance for therapy sessions, if you prefer, and will make all reasonable efforts to verify your insurance coverage and obtain required authorizations. The amount your insurance covers may vary, and your costs and/or the need for a doctor’s referral, will depend on your insurance plan. It is your responsibility to know and understand your benefit coverage, as a verification of benefits is not a guarantee of claim payment. All benefits are subject to the terms and conditions outlined in the member contract with your insurance company. If you have questions about your insurance benefits, please contact your insurance company directly.
Our therapists are in-network for most major insurance providers and employee assistance programs (EAP), including the following. These links are provided as sources of information for your convenience. The websites listed are operated by third parties and we do not control or accept responsibility for content, services, or products provided to you by them.
- AllOne EAP
- Blue Cross and Blue Shield
- Health Partners
- Medical Assistance
- Minnesota Care
- Preferred One
- South Country Health Alliance
- ThedaCare EAP
- Ucare Minnesota
- United Healthcare
- United Medical Resources
- The Village EAP
- VITAL WorkLife EAP
See below for fees for services and use the associated CPT codes when verifying insurance coverage: