Rates & Insurance

Rates for Dr. Marty Erickson

Initial session: $190

Continued sessions: $175

Rates for all other Progressive Paths Therapists

Initial session: $160

Continued sessions: $140

These rates are our cash payment discounted rates for those who are not using health insurance to pay for therapy.

Payment

We accept cash, check, and all major credit cards as forms of payment. Please contact us if you’d like to pay by PayPal, Venmo, or Google Wallet.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged $110.

For cancellations less than 24 hours that are beyond your control (sickness, accident, severe weather and traffic, emergencies, etc.) we will not charge the $110 no show fee. But please call in to cancel if possible, and please speak with your therapist about the situation as soon as possible.

Good Faith Estimate Notice

If you do not have health insurance or you are not using health insurance for your therapy services: Under the law, health care providers need to give an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.

Insurance

Depending on your current health insurance provider and the specific stipulations of your insurance plan's eligibility and benefits, it is possible for services to be covered in part or in full. Please contact your insurance to verify how your plan covers psychotherapy services with us.

We recommend asking these questions to your insurance provider to help determine your benefits:

How does my health insurance plan cover mental health services?
Do I have a deductible? A copay? A co-insurance amount?
Does my plan limit how many sessions per year I can have? If so, what is the limit?
Does my plan reset in January, in September, or at another time? (most plans reset Jan 1st)
Do I need a preauthorization for mental health therapy services, or a referral from my primary care physician in order for services to be covered?

Insurances Companies we are contracted with:

Note: not all providers are in-network with each of these insurance companies, please contact us for up to date information

What if the therapist you want to see is “out-of-network?”

You may see a therapist here that is not a contracted provider for your insurance, this therapist is called an “out-of-network provider.”

Call your insurance company (or login and look up details of your plan at your insurance website) and ask about your “out-of-network benefits.” Some insurance plans offer a lot of benefits for seeing out of network providers, some insurance plans have no out-of-network benefits at all. This is all determined by your specific plan. Most insurance companies have plans that have out-of-network benefits and plans that don’t.

If your plan has out-of-network benefits, these are subject to the yearly deductible, coinsurance, and out of pocket maximum stipulated in your plan. Often there is a different, higher yearly deductible for out-of-network services. Sometimes there may be a different out-of-network coinsurance and/or out-of-network out of pocket maximum as well. As an example your yearly in-network deductible could be $2,000, but your out-of-network deductible could be $4,000.

If your plan has out-of-network benefits, you can see a therapist who is not a contracted provider for your insurance. In this instance the therapist sets the fee for the service, and you pay that therapist up front for the service.

Upon your request, we will send a form to your insurance that shows that you saw this out-of-network provider, and the money you paid for their services will go to your out-of-network deductible, and out of pocket maximum stipulated on your plan.

Depending on the specific stipulations of your plan regarding out-of-network benefits, yearly deductible, copayment, coinsurance, and out-of-pocket maximum--your insurance may reimburse you for a portion of the out-of-network therapy you received. For example, if you’ve met the yearly deductible, and the out of pocket maximum for out of network benefits, your insurance will cover your out-of-network fees for all services at 100% (but note: the insurance sets what their allowable fee is for each therapy service, which may be lower than what you paid to your therapist, so you will pay that difference).

When considering seeing an out-of-network therapist it will be important for you to know the specific benefits of your plan and run the numbers to see if it is worth it to you financially and in every other way (for instance if you would really prefer to see the out-of-network provider). In some cases it is a better deal financially for you and for the out-of-network provider.

Understanding better how health insurance works

Health insurance is unlike any other insurance you likely have. Understanding what your coverage is and what all the terms mean can be quite confusing. The following is a brief explanation for each of the main insurance terms:

Premium: The set monthly fee you pay to have your health insurance. Your employer may pay all or part of this if this is part of your employee benefits. Or you may pay all of this if you buy your insurance on your own.

Deductible: How much you are required to pay for any health care services and procedures before your insurer pays anything. Your plan may have a separate individual deductible and family deductible. The family deductible is usually the aggregate of all payments for individuals on the plan. Once the family deductible is met the deductible is met for all members on the plan. Your plan may have a separate out-of-network deductible for out-of-network services if your plan has out-of-network benefits.

Co-pay: A set fee you make required by your insurance at doctors offices, therapy visits, and at other health care professionals for routine services. Typically the co-pay does not count toward your deductible but must by law count toward your out-of-pocket maximum.

Co-insurance: The percentage from your specific insurance plan that you are required to pay for health care services after you’ve met your deductible (most often 10%-40% depending on your plan, the insurance pays the remaining percentage).

Out-of-pocket maximum: The absolute max you’ll pay for all health care annually. Once you’ve met the OOP max your insurance will pay 100% of all costs. The out-of-pocket limit doesn’t include:

Your monthly premiums
Anything you spend for services that your plan doesn’t cover
Out-of-network care and services. Your plan may include a separate out-of-network OOP max if your plan has out-of-network benefits.

For more detailed explanations of your specific plan, eligibility, and benefits we again encourage you to contact your health insurance (call the number on your insurance card or login and look up details of your plan at your insurance website).

Any Other Questions

Please contact us for any additional questions you may have. We look forward to hearing from you!

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