I work with Headway for all of our billing needs regardless if you are using insurance or doing private pay. Headway handles everything from checking your benefits to managing claims, so you can focus on your healing journey without the stress of paperwork. You will receive a client portal through Headway prior to our first appointment and will be required to keep a credit card on file.
Expected starting in May:
Insurance: In Network with Blue Cross Blue Shield (BCBS) of MN
Quality mental health care should be accessible. In an effort to contribute to this accessibility, I am currently in the process of becoming an approved an in network provider with Blue Cross Blue Shield (BCBS) of MN.
Please see the Navigating Insurance Page for more information
Private Pay: If you do not have BCBS or do not want to use insurance… We can still work together through Private Pay!
Private Pay allows me the flexibility to keep my caseload sustainable so I can keep doing this work long term and attend to my clients with quality care. It also offers flexibility to offer cultural forms of healing to communities that benefit from our traditional forms of healing.
With private pay you can pay for services via credit/debit/HSA/FSA and may be able to utilize your Out Of Network Benefits to help cover therapy costs. What I can provide after a session is essentially a receipt called a "super bill" that you can submit to your insurance to request to receive reimbursement.
What are my options?
I take out of pocket payments via debit/credit card, Health Savings Accounts, and Flexible Saving Accounts. This information will be taken prior to our first appointment through the Headway Portal.
You may be interested in Private Pay if you are:
Interested in flexibility in frequency of therapy
Looking for specific needs in therapy and/or a provider that may be difficult to meet when only looking at providers covered by your insurance
Wanting privacy by not having a file in your health care record regarding services
Preferring to not have a diagnosis added to your health care record required for care when using insurance
How to Finesse Insurance for Private Pay:
Check your insurance card to see if you have an HMO or PPO plan.
HMO plan: You are required to see an “in network” provider if you’d like to use your insurance. Before deciding to use your insurance, you may want to determine if your mental health coverage is worth using.
For example, you may consider private pay if your insurance provides no coverage until you reach your deductible and your deductible is so high that you are unlikely to reach it.PPO plan: You are free to pick your providers and may be eligible to use out-of-network insurance benefits to work with me. You will be responsible for paying for each session in full at the time of your appointment. I can provide you with a “super bill” each month that you can submit to your insurance company for reimbursement.
To find out how much you will be reimbursed, call the 1-800 number on the back of your insurance card and ask these questions:
Do I have mental health benefits?
Do I have out-of-network outpatient mental health coverage?
Can I use these benefits for telehealth?
What is my out-of-network deductible and how much of my deductible has been met this year?
Do I need a referral from an in-network provider to see someone out-of-network?
What percentage of each outpatient psychotherapy session is covered?
How do I submit claim forms for reimbursement and how long does it take to receive reimbursement?
Good Faith Estimates
Good Faith Estimates (GFE) are part of federal regulations that went into effect January 1, 2022 as part of the No Surprises Act aimed at protecting consumers from surprise medical bills for services/items provided by out-of-network providers/facilities by ensuring they are made aware of the estimated costs associated with seeing an out-of-network provider. A notification of the GFE along with GFEs will be provided to any person who is self-pay for the following reasons: uninsured, out-of-network, chooses not to use insurance benefits. This will also be discussed with you at your initial consultation appointment, and before any services are scheduled.