Payment & Insurance
This page provides information about insurance and self-pay options so you can plan ahead.
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. We 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 welcome self-pay clients, including those without insurance. Please contact us to ask about rates.
Payment Methods
Credit / debit cards
Cash or check
Health Savings 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.
