Insurance & Payment
Specialty care, covered by insurance.
We're an insurance-based practice on purpose, and we handle the hard parts so you can focus on the path forward. Here's how it works.
Not sure who? Let us match you
Insurance, Simplified
We're in-network, and we handle the paperwork.
We're in-network with most major plans, and our team takes care of the billing as part of your care. Most clients use their insurance and are responsible for their plan's copay, coinsurance, or deductible. We always recommend confirming your benefits before your first session, and we're glad to help you figure out what to ask.
Plans we accept
Most major Minnesota plans.
Aetna
America’s PPO
BlueCross BlueShield
Corporate Counseling Associates EAP
Cigna
Fairview Mental Health Community Access
FirstHealth
Medical Assistance/MN state insurance plans
Medica
Medicaid
HealthEZ
HealthPartners
Hennepin Healthcare
Humana
Optum Behavioral Health
Surest (formerly BIND)
UCare
United Behavioral Health
UMR
More on payment
Other ways this can work.
Prefer to self-pay?
That works too.
Some clients choose private (cash) pay for added privacy or flexibility. We offer private-pay rates and are happy to talk through what makes sense for you.
Out-of-network benefits
You may still be reimbursed.
If we’re not in-network with your specific plan, your plan may reimburse part of the cost through out-of-network benefits. We provide a superbill (a detailed therapy receipt) you submit to your insurer. We can’t promise what your plan will reimburse, but we make the paperwork easy.
HSA & FSA
Yes, you can usually use them.
Therapy is typically an eligible HSA or FSA expense. Check with your plan administrator to confirm.
Good Faith Estimate
Clear costs, up front.
If you’re uninsured or paying privately, you have the right to a Good Faith Estimate of expected costs under the No Surprises Act. We’ll provide one.
The Words, In Plain Language
A quick glossary.
In-network
Your plan covers part directly; you usually owe a copay, coinsurance, or your deductible.
Out-of-network
No direct agreement, but your plan may reimburse you after you pay and submit a superbill.
Superbill
A detailed therapy receipt with the codes your insurer needs to consider reimbursement.
Private / cash pay
Paying directly, without insurance.
What To Ask Your Insurer
Five quick questions that clear up most of it.
1
Is Vayda in-network with my plan?
2
What’s my copay or coinsurance for therapy?
3
Has my deductible been met?
4
Do I need a referral or pre-authorization?
Helpful CPT codes: 90791 for an intake, 90837 / 90834 for ongoing therapy sessions, 96130 / 96131 + 96136 / 96137 for psychological testing.
Questions people ask
A few things you might be wondering.
Do you take my insurance?
We’re in-network with most major plans (see the list above), and we’ll help you confirm your benefits.
Will my sessions be covered?
Coverage depends on your plan; we encourage you to check your benefits before you start.
Do you handle billing?
Yes — that’s part of the care.
What if I don’t have insurance?
Private pay is welcome, and you’ll get a Good Faith Estimate.
We’ll help you sort the coverage part.
Book a free 15-minute consult, or tell us what’s going on and we’ll match you.