Couples & Family Therapy Center, LLC
Quality counseling services to help you
Love Better & Live Well
Love Better & Live Well
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Insurance & Fee Policies

Important Information, Client Rights & Clinic Financial Policy - Brochure
Notice of Privacy Rights - Brochure


Cash Rates:  Rates vary with each therapist, but typically range from $100.00-$160.00 per hour.

Insurance Accepted:  We have providers in network for BCBS MN, BCBS WI (Anthem), Health Partners, Medica/UBH, Preferred One, Cigna, Aetna, Multi Plan, WEA Trust, WPS, and more.  Please view the therapists' profiles, or call our office to see which of our providers may accept your insurance.  

Insurance Coverage for Couples Counseling
(Important, Please Read)

Couples counseling is one of the specialties of CFTC, therefore we are conscientious about respecting the requirements of insurance companies for the coverage of couples counseling. 

It is important that you call your insurance to ask if you have insurance coverage for couples counseling/marriage counseling.

Commonly an insurance company will answer, "Yes, couple and family therapy is covered if there is a mental health disorder/diagnosis." 
What that typically means is: 


  • One or both partners in the couple would need to fit criteria for a covered mental health disorder and diagnosis (such as depression or anxiety), and be named as the "patient/client."
  • This mental health diagnosis will be submitted to the insurance company and become part of the patient's medical record.
  • Couples sessions could be covered for the "patient" as family therapy if that is part of the treatment plan to improve the mental health disorder of that "patient." 

At CFTC we are highly trained in couples counseling, and we believe in the quality and value of the help you will receive.  

It is important to understand that family therapy with the focus on an illness is different than couples counseling which focuses on the health of the couple relationship.   You may want to discuss the differences in the counseling process with your therapist.

We do our best to offer a variety of options to help clients utilize their benefits as appropriate, but also receive the best care possible.

It is important to discuss this with your therapist so you can make the best choice for you and your relationship.  

Standard Fees:

CFTC has standard fees for services, primarily at an hourly rate; longer sessions are available as well.  Please contact the office for current rates of various services.  At times, such as due to financial hardship, a reduced rate can be discussed. 

As therapists trained in couples and family therapy, CFTC therapists see you as a whole person and always consider the impact of your relationships and environments.  We want to help you reach your highest level of happiness and success. The type of counseling you are looking for, and the issues of concern, will partly determine if you will be paying cash for your services, or if you will be able to utilize your insurance. 

Cash vs. Insurance: What all clients need to understand.

It is important to understand a few issues when choosing to use your insurance for mental health services.  When seeking psychotherapy services at any clinic, and submitting these services to your insurance company, you will be forming a record of your status and treatment, just like a medical record.  That means that in order for insurance to cover this treatment, there must be an illness, or disorder, that is diagnosed and reported to the insurance company, just like a flu diagnosed by a doctor demonstrating a reason for the treatment.  This information can then be requested by other insurance policies you apply for, and other entities if required by their policies.  Many people do not have concerns about this, or complications with it either, but it is important for you to be informed. 

When paying cash for psychotherapy sessions, there is more confidentiality in the sense that insurance companies do not have access to the record of a diagnosis or of your treatment.  In addition, you are also then able to seek counseling services without being required to have an illness. 

KEY DIFFERECE: Privately paid / cash therapy does not require an illness/diagnosis, and provides more confidentiality than sessions paid by insurance. 

At CFTC we do not believe helpful counseling services are only for those who are suffering or seen as disordered and ill.  Often people struggle simply due to natural changes and challenges in life.  Getting help at these times is just as important for your health and well being and is often necessary in order to prevent a more severe condition such as depression. 


CFTC therapists are providers for many insurance companies.  Please call your insurance company's member services and ask:

  • What are my "outpatient mental health benefits?"
  • Do I need a "pre-authorization" to begin therapy services? 
  • Is the therapist I'm interested in "in network?"
  • If not, what are my "out of network" benefits?



We do not accept Medical Assistance, Forward or Badger Care at this time.

If you would like help with this process, please let us know. 

Insurance may be used for therapy sessions based on the benefits determined by your insurance plan.  In most cases, you will be able to use your insurance if you are struggling with a covered mental health disorder, such as anxiety and depression. 

Often insurance will not cover marriage and relationship counseling, or reaching for higher personal and professional goals, unless they are directly for the improvement of the mental health disorder.   Be sure to call your insurance to understand your benefits.

Therapists at CFTC are still here to help you with all of your goals; again we don't believe you need to have a disorder to deserve getting help.  For those seeking the type of help that does not qualify for insurance coverage, a cash rate will be agreed upon.  



On the Therapists page you will find which insurance companies each therapist is a provider for.

Payments & Co-pays:

Insurance co-pays and cash rates are due at each session.  Clients will receive monthly statements notifying them of their balance.  It would be appreciated that payments be made upon receipt of the statement.  If balances become overdue, clients will be notified on the statement.  If a payment arrangement is desired due to financial hardship, please discuss with the therapist. 

Cancellation Policy:

CFTC requires a 24-hour notice (business days) of cancelled appointments.  We have a list of clients waiting to fill any open hour.  Therefore, with less than 24 hours notice a fee will be charged to the client if we are unable to fill that hour.  Please cancel by voicemail or email.

Missed/Failed Appointments & Late Cancellation Fees:

Clients will be charged a $50.00 fee for missed appointments and late cancellations where the hour remained unfilled.  This fee cannot be billed to insurance and will be billed directly to the client. 

Phone Consultation:

The primary services of CFTC are face-to-face psychotherapy sessions in the office setting.  However, at times phone consultation may become desirable and/or necessary.  These services cannot be billed through insurance.  However, a cash rate may be discussed with the therapist for such services.

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