Birch and Pine Counseling
Insurance, Fees and Common Questions
Find the information you need about insurance coverage, financial assistance and more.
Insurance We Accept
Will my health insurance cover therapy?
Yes. Birch and Pine Counseling is in network with Medical Assistance, Blue Cross Blue Shield, Health Partners, UCare, Optum and Cigna. If you have any questions about coverage, please contact our office.
Sliding Fee Program
Birch and Pine Counseling offers a sliding fee discount program to ensure that all patients receive care, regardless of their financial situation.
Who qualifies?
The program is designed for those with limited financial means, whether uninsured or underinsured. Eligibility is based on the Federal Poverty Guidelines.
How do I apply?
Complete the sliding fee discount program application available at our front desk. Our staff can assist you with the application process. By signing the application, you confirm the income information provided to Birch and Pine Counseling.
Does it discriminate?
No. We do not discriminate based on race, color, sex, national origin, disability, religion, age, sexual orientation or gender identity.
Good Faith Estimates
The Good Faith Estimate (GFE) is a requirement under the No Surprises Act (2022). It provides a written estimate of the total expected cost of your treatment if you are not using your in-network insurance benefits.
What does it include?
The GFE includes all related costs, such as medical tests, prescription drugs, equipment and hospital fees.
When will I receive it?
You should receive your GFE at least one business day before your scheduled service. You can also request a GFE before scheduling any service.
What if my bill exceeds the estimate?
If you receive a bill that is at least $400 more than your GFE, you have the right to dispute the bill. Keep a copy or picture of your GFE for reference.
For more information about your rights, visit cms.gov/nosurprises or call 800-985-3059.
Ready to Take the Next Step?
We are accepting new therapy and psychiatry clients in Cloquet and Duluth.
In crisis? Call or text 988. For medical emergencies, call 911.