Insurance and self-pay
Therapy That Accepts Insurance Minneapolis: Accepted Plans, Benefit Checks and Self-Pay
Yes. If you are looking for therapy that accepts insurance Minneapolis has to offer, Lumeva Wellness works with Blue Cross Blue Shield, Medica, UCare, HealthPartners, PreferredOne, Aetna, Medicare and Medical Assistance.
What your plan pays depends on its own benefits, so we check your coverage with your insurer before your first visit, at no cost to you.
This page shows which plans we work with, how to verify your benefits, and what to do if you have no insurance or your plan is not listed.
Adults 18 and older
Therapy, psychiatric care and ARMHS
Benefit check at no cost to you
Accepted plans
Therapy that accepts insurance Minneapolis: which plans does Lumeva Wellness accept?
We work with six health plans and two public programs.
Health plans
Blue Cross Blue Shield
Medica
UCare
HealthPartners
PreferredOne
Aetna
Public programs
Medical Assistance (Minnesota’s Medicaid program)
Medicare
Being on this list does not guarantee that your plan covers a visit. Plans differ, and so do the benefits inside them, so we confirm yours.
Coverage by service
Psychiatry that accepts insurance Minneapolis: does insurance cover every service?
Coverage depends on your plan and on the service, so we confirm it for each one rather than assume.
Counseling and therapy
How much your plan covers depends on its mental health benefits.
Psychiatric care and medication management
Coverage for evaluation and follow-up visits depends on your plan.
ARMHS
A Medical Assistance benefit in Minnesota for adults who meet the state’s eligibility criteria.
If you plan to use telehealth, ask whether your plan covers video visits as well.
Benefit checks
How do I verify mental health insurance benefits?
Share your insurance details with us, and we check your benefits with your insurer before your first visit, at no cost to you.
2
We contact your insurer
We ask what is covered, your copay or coinsurance, and whether a deductible applies first.
3
We tell you what we found
You will know what to expect before your first visit, though final amounts depend on how your insurer processes claims.
4
Tell us if your plan changes
We will check your new benefits.
You can also check on your own. Call the number on your insurance card or log in to your insurer’s member portal, and ask about outpatient mental health coverage. When you compare therapy that accepts insurance Minneapolis offers, ask that question first.
Get ready
What information should I have ready?
Have your insurance card, your date of birth and the service you want to ask about.
At your first appointment
Bring your insurance card and a photo ID if you are using insurance.
Understanding your bill
What do copay, deductible and coinsurance mean?
A copay is a fixed amount per visit, a deductible is what you pay before your plan covers more, and coinsurance is the share you pay after the deductible.
| Term | What it means | What to ask your insurer |
|---|---|---|
| Copay | A set amount you pay for each visit | What is my copay for outpatient mental health visits? |
| Deductible | The amount you pay first, before coverage increases | Has my deductible been met, and does it apply to mental health care? |
| Coinsurance | The percentage you pay once the deductible is met | What percentage do I pay after the deductible? |
Plan not listed
What if my insurance is not listed?
Contact us, and we will tell you whether we can work with your plan and what your options are.
Not every plan is on the list above, and coverage differs from plan to plan. Your insurer can tell you whether your plan offers out-of-network benefits. You can also choose self-pay, which is explained next.
Self-pay
How do self-pay and sliding-scale therapies work?
We offer a self-pay rate for therapy and medication management and a limited number of sliding-scale spots based on income and household size.
If you are searching for self-pay therapy Minneapolis options, or sliding scale therapy Minneapolis spots, ask our team during intake. We will go through what is available, with no pressure either way.
Some people choose self-pay because they prefer not to involve their insurer. Sliding scale spots are limited, so availability can change.
Do I need a referral to use my insurance?
No referral from another provider is needed to contact us, but some insurance plans set their own referral rules, so it is worth checking yours.
Where can I see my statements and pay my balance?
You can view statements, pay your balance and see what your insurance covered for each visit in our patient portal. If you have a question about a charge, call us or send a message through the contact form.
Costs and privacy
How does Lumeva Wellness handle your costs and insurance information?
Our therapy that accepts the Minneapolis insurance process at Lumeva Wellness starts with a benefit check, so cost is clearer before care begins.
Benefits first
We verify your coverage before your first visit.
Questions welcome
Call (612) 555-0148 or use the contact form for any billing question.
Privacy
How we handle health information, including insurance details, is described in our Privacy Notice.
No obligation
How do I check my coverage with Lumeva Wellness?
Call (612) 555-0148, Monday to Friday, 8 am to 6 pm Central Time, or verify my coverage through the contact form. Share your insurance details, and we will let you know what to expect, with no obligation.
Finding therapy that accepts insurance in Minneapolis for adults can feel confusing,
and it is perfectly fine to ask questions first.
and it is perfectly fine to ask questions first.
If you are referring someone else, learn about referring a patient.