Solace Counseling Insurance Information
Insurance Information
Solace Counseling is currently credentialed with the following insurances:
- Aetna
- BlueCross and BlueShield (North Dakota plans, Cards with PPO listed on them, and Federal plans accepted)
- Medica
- Medicare
- North Dakota Medicaid
- Sanford Health Plan
- Sanford Employee Plan
- United Healthcare
- UMR
***Sanford True can be accepted however you must get a referral from your Primary Care Provider prior to scheduling an appointment with us.
While we do not participate with all health care providers, many insurance companies offer “out of network” mental health benefits. Most insurance plans with out-of-network benefits will reimburse you 60-90% of our fee when you submit a claim. Please note that we make no guarantees about the level of reimbursement from your insurance company.
Please check with your insurance company prior to the first session to determine if seeing a Licensed Independent Clinical Social Worker qualifies for reimbursement.We can provide receipts (Superbills) that will assist with the reimbursement process.
Questions to ask your insurance provider:
- Does my health insurance plan include mental health benefits?
- 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?
Are there benefits in NOT using insurance?
Absolutely! There are multiple benefits for not utilizing your insurance and they are listed below.
Diagnosis: This is the biggest challenge when it comes to utilizing insurance. Insurance companies require a diagnosis for each client in order to cover the services. The issue with that is not everyone fits the criteria for a mental health disorder! We do not believe it to be ethical or right to provide a mental health diagnosis for someone who does not indeed fit the criteria. This causes a barrier to treatment. We want anyone to be able to seek counseling services.
Confidentiality: Your records are much less private. Whenever there is a diagnosis, this must be sent to your insurance company for reimbursement purposes. Your insurance company can audit your records at any time and view this diagnosis. A claims specialist can receive details of your case that you may not want to be shared.
Treatment Timeline: Insurance often dictates the length of time in treatment with mental health services. Oftentimes this timeline is cut short and the healing and growth process is incomplete. If you do not utilize your insurance, you can remain in treatment as long as clinically appropriate. Insurance also dictates things like whether phone calls can be covered, online therapy, etc. Choosing to not bill insurance gives both you and your therapist the flexibility to provide the therapy that is the best fit for you.
Ready to learn more about our process & services?
If you're ready to learn more about our process and services, we encourage you to contact us and we can discuss the next step.