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Insurance & Fees

Northland has contracts with Blue Cross and Blue Shield, Health Partners, UCare, Preferred One, and Medicare. However, not all therapists are billing through these contracts, and some may have agreements with additional insurance providers. Please check the lists below, and on the Bio pages, for which insurance each therapist is currently able to bill.

If your insurance carrier is not on the list for a therapist you would like to work with, find out whether your policy will pay out-of- network providers.

You may also pay directly with cash, check, or credit card. If you are unable to pay the full fee, check with your therapist about their specific sliding scale or flexible fee policy.

Female client sitting on a couch.

Coverage by Therapist

For more information on each of our therapists, see our Therapists page.

Debra Klein

  • Aetna
  • BlueCross and BlueShield
  • First Health
  • Great-West Life
  • Health Partners
  • Cigna
  • Humana
  • Medicaid
  • Medicare
  • Out of Network
  • PreferredOne

David Shannon

  • BlueCross and BlueShield
  • HealthPartners
  • Cigna
  • Medicaid
  • Medicare
  • Out of Network
  • UCare

Jim Wagner

  • Blue Cross and Blue Shield
  • Health Partners
  • Cigna
  • Aetna
  • UCare
  • Preferred One
  • Medical Assistance (MA)
  • Out of Network

Rick DuChene

  • Blue Cross and Blue Shield
  • Health Partners
  • Cigna
  • UCare
  • Medical Assistance (MA)
  • MHP
  • PreferredOne
  • Aetna
  • Out of Network

Good Faith Estimate

Under the No Surprises Act, if you don’t have insurance or pay for services without insurance, you have the right to receive a Good Faith Estimate explaining how much your medical care will cost:

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate.
  • For questions or more information, go to www.cms.gov/nosurprises.
  • Most psychotherapy clients receive regular and recurring services. It may be difficult to determine the total length of treatment to meet original goals. Your goals may change during treatment, which would affect the estimate. Given these conditions, you may receive a Good Faith Estimate for recurring services provided within a 12-month period. In other words, we can give you an estimate of the cost of weekly sessions for one year. We can give you a new estimate for additional services beyond a year.
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