Funding and Payment Options:
Insurance Types Accepted:
Blue Cross Blue Shield of MN (Commercial)
Health Partners (Commercial)
Optum Plans (United Healthcare)
NOTE: It is important for you to verify coverage with your insurance, and to make sure that you understand what your out of pocket expenses will be due to possible deductibles or copays. I will also verify insurance prior to our first full session.
Private Pay
Some people prefer to pay privately, without the use of insurance. The purpose may be in order to keep your diagnosis and therapy goals confidential and protect your privacy with your insurance company or employer. If this is your preference, I am happy to provide you with a billing statement which you may decide to submit to your insurance company at a later date if you would like to get reimbursed.
Co-Pays
If your insurance requires a co-pay, those fees are due at the time of service.
Deductibles
If you have an unmet deductible through your insurance plan, you will need to pay for the cost of therapy out of pocket, at each session, until your deductible is met. Those costs are due at the time of service.
Monthly Statements
Monthly statements will be generated for every person indicating services provided/received, balance and amount paid.
Rescheduling and Cancellation Policy
We understand that there are things that will come up that may prevent you from making it to your therapy session. We ask that you contact us/your therapist within 24 hours to cancel or reschedule your appointment if you will be unable to make it. If you do not call to reschedule with the 24 hour time period, there is a $75 charge. We also understand that there are emergencies and things that may come up that do not allow you to reschedule in the requested timeframe. We will work something out given extenuating circumstances. For any no-call, no shows the fee is $100.
Payment Options
Cash
VISA
AMEX
Mastercard
Discover
HSA/FSA card
Check
Good Faith Estimate Rights for Clients - Effective April 25, 2026
Charlie Brown Therapy wants to do our part to protect our patients from surprise bills. While we wait for many details regarding the compliance of the No Surprises Act, we assure you of our commitment to comply with all guidelines to protect our patient’s rights and will update this page as further information emerges.
Insured Clients Using Benefits to Cover Therapy
Your health plan can give you the most accurate price for medical services. Minnesota law requires physicians, hospitals, and health plans to provide consumers with a good faith estimate of the cost of their care. Because health insurers negotiate different payment rates for services with each health care provider, including hospitals, physicians, clinics, and individual providers, the best way to compare prices you will pay is to contact your own insurance company. Your final out-of-pocket costs can be higher or lower than your neighbor’s even when you’ve received the same services because health insurance plan payments vary, and insurance plan benefit levels are unique to each plan. Always independently verify insurance coverage, provider participation, and coverage terms. This may not reflect all insurance accepted by the provider and is for informational purposes only.
Here is a list of Minnesota frequently used commercial insurance companies and their main customer service phone numbers:
Insurance Providers:
Blue Cross Blue Shield of MN: 651-662-8000
HealthPartners: 952-883-5000
UnitedHealth Care: 952-945-8000
Note: If you are insured, you should contact the phone number provided on your insurance card. The above is only a partial list of insurance companies.
Private-Pay Clients:
Your patient rights by law as of April 25, 2026 seek to ensure that you have the right to a written estimate of your healthcare bill. It is called a “Good Faith Estimate”. Charlie Brown Therapy clients have a right to this good faith estimate when:
• You schedule your appointment 3 or more days in advance
AND
• You won’t be utilizing insurance to pay for the visit
• If you schedule your appt in less than 3 days time, your Good Faith Estimate will be provided for any additional services/plans for care following your appointment.
• If you schedule a “free consult” your Good Faith Estimate will be provided after your consultation, along with any other needed intake information.
Notice to All Clients:
Save a copy of your Good Faith Estimate
Additional information regarding your rights to a Good Faith Estimate is posted at National CMS: www.cms.gov/nosurprises or call 800-985-3059.
If you have questions regarding our internal billing processes you can contact our business office by calling (952) 738-4965 or by email info@charliebrowntherapy.com.
Minnesota state law protections: how much patients covered by fully insured commercial plans will pay for certain unauthorized, non-emergency services and unauthorized emergency services. For more information about your rights under Minnesota state law, please contact the Minnesota Department of Commerce.