RATES & INSURANCE

counseling and coaching for individuals and couples in the state of Minnesota. 

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Investing in Your Care

At Thistle and Thrive, we believe clarity around fees and insurance is part of creating a safe and trustworthy therapeutic relationship. Below you’ll find information about rates, insurance, and payment options for both psychotherapy and coaching services.


Psychotherapy services are clinical mental health services provided by a Licensed Independent Clinical Social Worker (LICSW) in Minnesota and may be eligible for insurance coverage. We are able to bill insurance for psychotherapy services when applicable. Coverage, copays, deductibles, and reimbursement rates vary by plan.

 Clients are encouraged to contact their insurance provider directly to understand their specific benefits for outpatient mental health services.

Common questions to ask your insurance provider:

• Is outpatient mental health covered?
• Do I have a deductible or copay?
• Is preauthorization required?
• Are telehealth sessions covered?

Psychotherapy Rates & Insurance

For clients who choose not to use insurance or whose plans are out of-network, self-pay options may be available.

Individual Therapy: $175 per session ($220 for initial intake appointment)

 Couples Therapy: $220 per session ($250 for initial intake appointment)


Self-Pay Therapy Rates

Home & Wellness Coaching is offered as a private-pay, non-clinical service. Coaching is not psychotherapy and is not eligible for insurance reimbursement. Payment is due at the time of service. Sessions are collaborative and reflective, with space for both thoughtful conversation and practical support.


Home & Wellness Coaching Rates (Private Pay Only)

The complimentary in-home consultation is an opportunity to:

  • Walk through your space together
  • Clarify goals and priorities
  • Discuss how coaching might support you moving forward


In-Home Consultation

Accepted forms of payment include credit or debit cards and, for psychotherapy services only, HSA/FSA cards depending on plan eligibility. Cancellation and no-show policies apply to both psychotherapy and coaching services and will be reviewed prior to beginning work together.

Payment & Policies

Insurance may only be billed for psychotherapy services. Coaching is not therapy and cannot be billed to insurance, nor does it involve diagnoses, treatment plans, or insurance-related documentation. To maintain ethical clarity and professional boundaries, clients engage in either psychotherapy or coaching services at any given time, but not both simultaneously.

Questions About Rates or Coverage?  If you’re unsure which service is the right fit or have questions about insurance or payment, I’m happy to discuss options during an initial consultation.

Disclaimers

In harmony with the NASW Code of Ethics, Thistle and Thrive welcomes and accepts people of any race, gender identity, gender expression, nationality, ethnic origin, physical or mental ability, or sexual orientation. You are welcome here. 



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