Payment and Insurance

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Automatic Payments for ​A Better Billing Experience
We have implemented a new billing policy in order to deliver a more convenient and consistent payment experience to our patients. Your credit or debit card will be securely saved on file in our EHS (Electronic Health System) to cover any balance due after your insurance benefits are applied. This policy will help you to simplify how you pay medical bills.  Now, paying your healthcare bills is a convenient experience, just like paying for a hotel visit or a subscription streaming service. You will not receive a paper statement in the mail, however electronic receipts are available upon request for HSA/HRA determination.  Plus, our EHS is completely secure, so you never have to worry about your personal information being viewed or stolen by others.

Copays will be automatically charged to your card on file within one-week of the date-of-service.  Coinsurance and deductible payments will be charged to your card only after we have received and carefully reviewed an EOB from your insurance plan/provider with their determination of client responsibility.

Letter to our clients regarding Auto-Pay Billing

Click here to enroll in automatic billing.

FAQ about Auto-Pay

Q: Is this something new? I’ve never had to do this before.

A: Due to the number of high deductible health plans and higher patient co-insurance benefits, this has become necessary at our organization. Please keep in mind, we will not charge your card if you do not owe anything.

Q: How much are you going to charge my card?

A: We will charge your card the amount that your health plan determines is your responsibility.

Q: Will you send me a bill to let me know what I owe?

A: After your appointment, you will receive an explanation of benefits (EOB) from your insurance provider that will confirm your payment responsibility. We receive the same letter, typically within 7-30 days following your appointment. We will review each EOB carefully and charge your credit card the amount that is determined by your health plan to be your responsibility.

Q: What is a deductible? How does it affect me?

A: First, contact your health plan to determine if you have a deductible and the exact amount of the deductible. An annual deductible is the dollar amount you must pay out of pocket during the year for medical expenses before your health plan begins paying. For example, if your health plan has a $500 deductible, you must pay the first $500 of medical expenses before your health plan begins to pay for any services. This is similar to the deductible for your car insurance or homeowner’s insurance.

Q: When does a deductible begin?

A: Your deductible begins annually at the start of your health plan year. Health plans can start on any date. Typically they begin on either January 1st or July 1st.

Q: How will I know when my deductible has been met?

A: You may find out when your deductible has been met by calling your health plan at any time. Some health plans enable patients to view this information online.

Q: What happens if I do not have a credit card?

A: If you do not have a credit or debit card, we can accept a deposit at check-in before your appointment.

Q: What happens if I need to dispute my bill?

A: We will only charge you the amount determined by your health plan in your EOB. However, we will work with you if there has been a mistake on your bill and refund you the necessary amount to correct any error.

Q: I have always paid my bills on time. Why do I have to give you a credit card?

A: To be fair and consistent to our patients, we are implementing the new policy with a comprehensive approach. Additionally, we want all of our patients to benefit from this new policy, which simplifies how you pay medical bills.

Q: I do not have a deductible/I have dual plans. I will never owe you anything. Do I still need to give you a card?

A: Due to the complexity of health plans, patients are not always aware of a payment responsibility. Additionally, changes to health plans happen often, which can make you responsible for payments without your knowledge. For this reason, we ask all patients to save a card on file to ensure we are prepared in the event they do have a payment responsibility.

Q: Who can I talk to about this policy? I do not want to participate.

A: your clinician or our office manager can answer your questions. We understand this is a new policy that may be unfamiliar to you. However, it is similar to the process you experience to check in to a hotel or rent a car.


The Family Development Center accepts the following insurance carriers:*
Not all providers accept all insurance plans.

  • Aetna
  • BlueCross Blue Shield/Blue Plus
  • Cigna
  • Health Partners
  • Hennepin Health
  • Medicaid (Medical Assistance and MN Care)
  • Optum: Medica, UBH, UHC, UMR
  • Preferred One
  • UCare

*If your plan is not listed here, please call us to determine if we are able to accept your insurance. For many companies we will be able to bill as an out of network provider.


Therapy Fees and Sliding Scale
Initial intake (first session): $175
One hour session: $150

We offer a sliding-scale option for uninsured or underinsured clients. Please call or complete form below for more information.

We offer the option of a free 30-minute consultation for new clients considering therapy.  We offer this consultation to help both client and therapist determine if the therapy will be a good fit.  The consultation may take place either in person or via telephone.