Insurance & Fees

We want cost to be clear before you start. We’re in network with most major Minnesota plans. We also see clients who pay privately, with reduced fees available, or who use out-of-network benefits.

Insurance we accept

Aetna
Blue Cross Blue Shield of Minnesota
Blue Plus (BCBS PMAP)
Cigna
HealthPartners
Medica
Minnesota Medicaid (Medical Assistance)
Surest
UBH
UCare
UMR
UnitedHealthcare

Please note: UnitedHealthcare, UMR, UBH and Surest only cover sessions with our fully licensed clinicians. If you have one of these plans, we’ll match you with a licensed clinician.

Check your coverage

Before your first session, call the member services number on the back of your insurance card and ask:

Is Peak Performance and Counseling Services in network with my plan?
What is my copay or coinsurance for outpatient mental health visits?
Do I have a deductible, and how much of it is left this year?
Is telehealth covered the same way as in-person visits?

You’re responsible for any copay, coinsurance or deductible your plan doesn’t cover.

Private pay rates

Free consultation (30–45 min): $0
Diagnostic assessment (90791): $300
Therapy session, 16–32 min (90832): $175
Therapy session, 33–52 min, in person or telehealth (90834): $225
Therapy session, 53+ min, in person or telehealth (90837): $250
Optum EAP (Employee Assistance Program) session: $225

Payment: Every client account needs a current credit card or HSA card on file. Our billing service charges any balance due every Friday.

Sliding scale: Reduced fees are available for private-pay clients. Ask us about it when you book your free consultation.

Out-of-network benefits

If we’re not in network with your plan, your plan may still pay part of the cost. We can give you a superbill (an itemized receipt) to send to your insurance company for reimbursement.

Cancellations and missed sessions

If you need to cancel a scheduled session, tell your provider or cancel in the app at least 24 hours ahead. Otherwise you may be charged a $75 late-cancellation fee. Insurance doesn’t pay for missed sessions. This fee doesn’t apply to Medical Assistance clients.

Your right to a Good Faith Estimate

Under the federal No Surprises Act, if you don’t have insurance or choose not to use it, you have the right to a Good Faith Estimate of what your care is expected to cost. You can ask for one at any time, and you’ll also get one when you schedule care. If your bill comes to at least $400 more than your Good Faith Estimate, you can dispute it. To learn more or ask for an estimate, call (952) 204-5655 or visit www.cms.gov/nosurprises.