Fees & Insurance Info | Lakeville, MN

Rates Without Using Health Insurance

Intake/diagnostic assessment $250
53-60 minute follow up sessions $190
38-45 minute follow up sessions $150

Insurance Information

*Some people prefer not to use insurance to increase personal privacy.

Understanding Your Health Insurance Benefits:

Deductible: the amount you have to pay for health care services before you’re insurance plan will pay any portion of your services, For example, if your deductible is $500 you will have to pay the $500 out-of- pocket until your deductible is considered satisfied. Once your deductible is satisfied, your insurance plan will begin paying a portion of your health care costs that are covered by your plan.

Your plan may encourage you to use in-network providers by charging you lower deductibles, co-payments and co-insurance amounts. The deductibles for in-network and out-of- network services may not cross apply (meaning you have separate deductible to meet). For example, you have a $500 in-network deductible and a $1,000 out-of- network deductible. Even if you have already met your in-network deductible so for all in-network services you only pay your co- insurance or copayment amount you would still need to meet your $1,000 deductible if you choose to see an out-of- network provider.

Out-of- pocket limit/max: the most you could pay during a coverage period (usually one year) for your share of the cost of covered services. This limit helps you plan for health care expenses.

Co-payments: a fixed dollar amount (for example, $20) you pay for covered health care, usually when you receive the service.

Co-insurance: your share of the costs of a covered service, calculated as a percent of the allowed amount of the service. For example, if the health plan’s allowed amount for a 60-minute psychotherapy sessions is $100, your co-insurance payment of 20% would be $20. This may change if you haven’t met your deductible.

Allowed amount: the amount the plan pays for covered services. If an out-of- network provider charges more than the allowed amount, you may have to pay the difference.

Balance billing: amount your out-of- network charges for any amount not covered by your insurance plan. For example, if an out-of- network provider who charges $150 for a service and the allowed amount is $100, you would be responsible for paying the $50 difference even if your co-insurance for out-of- network services is 20% ($20).

Covered Services: services that your insurance plan will pay for also known as payable services.

Not Covered Services/Excluded services: services that your insurance company will not pay for unless either a request is submitted and approved or after a denial an appeal is approved.

Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services.

I’d recommend asking these questions to your insurance provider to help determine your benefits:

Does my health insurance plan include mental health benefits with Barbara Schnichels, LICSW?
Do I have a deductible? If so, what is it and have I met it yet?
Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
Do I need written approval from my primary care physician in order for services to be covered?

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