Payment for Service


Please call or email for more information

Method of payment

Cash or personal check are accepted and due at each session.



A sliding-scale discount may be available for clients with limited income to ensure that services are accessible for all.

If you would like to discuss your situation, please call Kara at 612-710-0125.


Out of Pocket (Self-Pay)

There are many reasons to pay for services out-of-pocket.

Paying out of pocket allows you and your behavior specialist to determine your treatment plan, not the insurance company. Some insurance companies have limits on the number of times and type of services that can be utilized by you and your family. Also, by paying out of pocket, you do not have to meet criteria for a mental health diagnosis to receive counseling and/or consultation, and you have more flexibility in choosing the issues to focus on during your sessions.

When insurance does cover the costs of therapy, counseling or consultation, your insurance company requires a mental health diagnosis in order to verify the "medical necessity" of your need for service. They also have the right to request assessment, diagnosis, and treatment information. Private pay allows YOU to be in control of your information and your sessions NOT your insurance carrier or provider.

Given this, some people choose to pay for counseling, consultation and therapy out-of-pocket in order to maintain their privacy and to avoid a compulsory diagnosis.  Many clients choose to utilize their company cafeteria plan or submit for payment through their tax deductible medical savings account. I offer all of the appropriate receipt for service documentation in order for you to do so smoothly. I do assess for mental health conditions, create treatment plans, and keep progress notes. However, in most cases, I am not required to share this information with your insurance company if they are not paying for the treatment.

Working with Insurance

I do not work directly with any health insurance companies, although your provider MAY reimburse you for services received out-of-network.

If you have insurance and you would like to investigate the possibility of reimbursement for out-of-network coverage, please check your policy carefully and ask the following questions of your provider:

  • Do I have mental health benefits?
  • Does my insurance plan cover out of network services?
  • If yes, what providers are allowed?
  • How much does my plan cover for an out-of-network provider?
  • How many sessions per calendar year does my plan cover?
  • Is family consultation, mediation and parent education covered under any health savings accounts or cafeteria plans?
  • Is individual therapy covered? Is family therapy covered?
  • How do I obtain reimbursement for consultation and health specialties with an out-of-network provider?
  • What identifying information is needed from my therapist or specialist to retrieve reimbursement?
  • What is the coverage amount per therapy or consultation session?
  • Is approval required from my primary care physician?

I do offer proof of service and receipt of payment documentation that you may submit to your health insurance provider at your convenience.


Cancellation Policy

There is a standard fee for no-shows or cancellations with less than 24 hour notice.