Billing Information
Fee-for-Service Payment (Self-Pay or Private-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.
Insurance
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), which are listed below. 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.
See below for fees for services and use the associated CPT codes when verifying insurance coverage:
Payment Schedule
Suspension of Services Due to Balance Owed
When there is a balance of $500 or higher, without a payment plan in place, further services may be put on hold until a payment plan can be established and good faith effort made at paying down the balance. For balances remaining unpaid after 90 days, FBTA reserves the right to seek reimbursement through legal means and/or collection agency unless a payment plan has been agreed upon and payments established.
Payment Plans
A written payment plan may be established in order to help you pay your balance. Payment plans should be discussed with FBTA or your mental health professional. All payment plans must be a minimum or 20 percent of the total starting balance per month for balances under $500, and no less than $100 per month for balances over $500. Clients with a payment plan must have a credit card on file, and authorize FBTA to run this card on the date specified by FBTA. Services may be suspended or put on hold until a payment plan is established, or if the credit card on file becomes no longer valid, and is not replaced by the client.
Additional Fee Information
Please note that the following services are not billable to insurance:
Preparation of Forms and Reports: Preparation of forms and reports constitutes any time that your therapist spends reviewing, gathering, printing and/or sending documents to a third party and/or outside sources. These services will be charged at a prorated rate of $200 per hour.
Call for an appointment at one of our three convenient locations:
Coon Rapids: 763-780-1520
Cambridge: 763-689-9407
Chisago City: 651-257-2733
Call for an appointment at one of our three convenient locations:
Coon Rapids: 763-780-1520
Cambridge: 763-689-9407
Chisago City: 651-257-2733
Coon Rapids Office
199 Coon Rapids Blvd, Suite 306
Coon Rapids, MN 55433
763-780-1520
Cambridge Office
Courthouse Square
237 SW 2nd Ave, Suite 117
Cambridge, MN 55008
763-689-9407
Chisago City Office
11549 Lake Lane, Suite 2
Chisago City, MN 55013
651-257-2733