If you are considering receiving therapy from Heart
and Mind Counseling, please call to schedule a free
20-minute telephone consultation to discuss your
issue(s) and how you may benefit from counseling.
Payment is expected at the time services are rendered
and is addressed at the beginning of each session, in
order to facilitate maximum focus on therapy for the
remainder of the appointment time. Heart and Mind
Counseling accepts cash, checks, or credit cards.
“Out of Network” Insurance Benefits
Rick Carlson is an “Out-of-Network” provider for
most major insurance companies. Clients using this
insurance benefit pay for therapy at the time of
service prior to the session, and then submit costs to
their insurance company for partial reimbursement,
depending on coverage limitations.
“Out-of-Network” services generally do not
require insurance company treatment plans,
coordination of care, and case management,
submitting therapy expenses to insurance does
require a “diagnosis” of a current mental
health disorder. This will be discussed with you
before being listed on your detailed receipt.
most insurance plans include “Out-of-Network”
mental health benefits, some do not. Please verify
your current benefits before planning to use this form
of insurance for counseling.
Health Savings or Medical Flex Savings Account (HSA/FSA)
Some clients submit their receipts for reimbursement
to their employer sponsored Health Savings or Flex
Savings Account, in effect paying for their therapy
with pre-tax dollars.
Many counseling clients choose to pay for their
counseling personally, regardless of insurance
Private paying clients may decide not to involve
insurance companies in their mental health care,
period. They consciously choose a therapist they know
to be professional, compassionate and effective, and
one who shares their own personal or spiritual values.
Their therapy is not limited by diagnoses, treatment
plans, or session limitations that a health policy may
Additionally, self pay clients are assured of the
highest degree of privacy, flexibility, and control of
their mental health record allowed by Minnesota state
law, since records are exempt from insurance reporting
and random compliance audits.
To help making paying for therapy easier, some clients
are seen on a negotiated fee, according to
Rick Carlson, M.A., LPC,
NCC, CEAP - 801 Eclipse Parkway, New Prague, MN 56071
Phone: (612) 998-6616 - Email: firstname.lastname@example.org