Payment & Insurance

Insurance Plans Accepted

• Sanford Health Plan – Commercial Products, Simplicity, and NDPERS Plans (Cannot accept True Plans)

• Sanford Health Plan - Sanford Health Employees

• Blue Cross Blue Shield - North Dakota plans, out-of-state plans (including Minnesota) with PPO listed, Federal BCBS plans

Verifying Your Coverage

If you’re unsure about coverage, please reach out to your insurance provider. I encourage you to confirm your mental health benefits and any out-of-pocket costs with your insurer.

Questions to Ask Your Insurance Provider

• Is Empowered Life Counseling (Maronda Robertson or Tom Dubbels; 3788 55th Ave South, Fargo, ND) considered in-network with my plan?

• Does my plan include outpatient mental health benefits?

• What is my copay or coinsurance?

• Do I have a deductible? If so, what is it, and has it been met?

Out-of-Network Coverage

If we are not in-network with your insurance plan, you may still be able to use your out-of-network benefits. Many PPO plans reimburse a portion of counseling costs, typically 60–90%, after you meet your deductible. If you choose to use out-of-network benefits, we can provide a Superbill (a detailed receipt) for you to submit to your insurance company. Reimbursement is determined entirely by your plan and is not guaranteed.

Self-Pay

We accept private pay clients with people that do not have insurance. Please contact us to inquire about rates.

Payment Methods

• Credit / debit cards

• Cash or check

• Health Spending Account (HSA) / Flexible Spending Account (FSA) cards

Good Faith Estimates

If you are paying out-of-pocket, you can request a Good Faith Estimate of your expected counseling costs, including session fees and related charges. This helps you plan and avoid surprise bills. Estimates are not a guarantee of final costs and may change based on your needs. To request one, contact us before your first session. For more info, visit www.cms.gov/nosurprises or call 1-800-985-3059.