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APPOINTMENTS:

The standard meeting time for therapy is 60-minutes. It is up to you, however, to determine the length of time of your sessions. Our therapists are happy to help you in deciding a session length that best fits your needs.

 

CANCELLATIONS:

The time you agree to meet with your therapist is set aside just for you. If you have to cancel for any reason (except for a true unforeseen emergency), a 48 HOUR notice by phone, email, or portal is required to avoid being charged a flat rate of $75 for your missed appointment.

 

PAYING FOR THERAPY:

The cost of services will vary depending on the type of service provided. Prior to your first session, our practice administrator will review Flourish’s billing policy with you and answer any questions. This conversation is also an opportunity for you to discuss personalized billing arrangements.

 

Flourish offers both insurance and self-pay options to help you get the care you need.

 

INSURANCE

We understand that insurance benefits can be confusing, and we are happy to answer any questions you may have regarding insurance. If you choose to use insurance, we are currently an in-network provider with the following insurances:

 

Aetna

Blue Cross Blue Shield

Cigna

HealthPartners

Medica

Medicaid/Medical Assistance (MA)

Mayo/Medica

Optum

PreferredOne

Tricare

Ucare

United Behavioral Health (UBH)

United Healthcare (UHC)

 

Please know that your insurance company may not cover the entire session fee, and you are responsible for any co-payments, deductible amounts, and any costs not covered by your insurance plan.

 

If you choose to use your insurance, these are the rates billed to your insurance:

Diagnostic Evaluation CPT code (90791): $195

Individual Psychotherapy CPT code (90837): $165

Couples/Family Psychotherapy CPT code (90846, 90847): $165

Group Psychotherapy CPT code (90853): $85

 

Be aware the rate billed by Flourish is different from the contract rate. Your session fee will vary based on the contracted rate between your insurance company and Flourish. Each insurance company contacts varying rates with different area providers. Your insurance provider determines the rate.

 

Examples of our contracted rates for a 60 minute Individual Psychotherapy CPT code (90837):

BCBS: $135.31

Medica: $109.59

Mayo-Medica: $108.75

United Health Care: $109.59

Aetna: $165

Preferred One: $144.23

Optum:$109.59

Cigna: $165

UCare: $109.51

Health Partners: $132.21

 

Flourish requires a credit card on file for all charges not covered by your insurance company. The amount owed is charged to your card on file 2-3 days after invoicing. If you need to make other payment arrangements, please contact our practice administrator by phone at 507-993-7731 or email at flourish@flourish-counseling.com

 

Again, if you have any questions about billing insurance, please feel free to contact us.

 

SELF-PAY

Self-pay is another way to pay for mental health services. Insurance requires a diagnosis, access to your records, and specific regulations that may not meet your individual needs. Self-pay removes focus from the billable service and allows for greater flexibility to incorporate various care approaches at your request. Our self-pay rate is $125 for a 60-minute session and $65 for a group session. Payment will be due at the time of service unless other billing arrangements are made in advance.

GOOD FAITH ESTIMATE 

Under the No Surprises Act (H.R. 133 - which will go into effect on January 1, 2022), health care providers need to give clients or patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services.

  • This Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created. 

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes (under the law/when applicable) related costs like medical tests, prescription drugs, equipment, and hospital fees.

  • The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill. 

  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

  • Make sure your health care provider gives you a Good Faith Estimate within the following timeframes:

    • If the service is scheduled at least three business days before the appointment date, no later than one business day after the date of scheduling;

    • If the service is scheduled at least 10 business days before the appointment date, no later than three business days after the date of schedule; or

    • If the uninsured or self-pay patient requests a good faith estimate (without scheduling the service), no later than three business days after the date of the request. A new good faith estimate must be provided, within the specified timeframes if the patient reschedules the requested item or service.

 

HSA and FSA

HSA and FSA cover mental health services. Flourish is happy to provide you with a statement that you can submit to your HSA or FSA for reimbursement.