Paying for Services
Navigating Life is excited to announce that we are now accepting insurance for therapy sessions through our affiliation with MN Online Counseling. This partnership allows us to offer clients the flexibility of using their insurance benefits to access high-quality mental health services. By working with MN Online Counseling, we’re able to extend our reach and provide more accessible care while continuing to offer the personalized support and guidance you’ve come to expect from Navigating Life.
To schedule your appointment, simply click the “Request an Appointment” button. You’ll be redirected to the MN Online Counseling scheduling page. From there, select Karie or Cara to view available days and times, and book your session with ease!
(You’ll be redirected to our secure partner scheduling site.)
Not quite ready to schedule?
You’re welcome to set up a 30-minute Compassion Call to explore whether we’re a good fit. (You’ll find more details below.)
Insurance Coverage
Many insurance plans offer coverage for therapy services, including individual, couples, and family therapy. While we work with a wide range of in-network insurance plans, coverage can vary by provider.
We recommend contacting your insurance company directly to confirm your benefits and provider network status before scheduling your appointment.
- Aetna
- BlueCross and BlueShield
- Cigna and Evernorth
- HealthPartners of MN and WI
- Hennepin Health
- Medical Assistance
- Optum
- Prime West
- South Country Health Alliance
- UCare
- United Medical Resources (UMR)
- UnitedHealthcare UHC | UBH
Private Pay Option
Self-pay is always an option for therapy sessions. Choosing to work outside the private insurance model allows us to collaborate with you more freely on your care—without limitations imposed by insurance, such as the number of sessions, who can be included, or what’s covered.
Payments may be made via credit and debit cards, Health Savings Account (HSA) or Flexible Spending Account (FSA) cards.
Book a free phone consultation to learn more about how we do therapy or discuss fees or insurance—no pressure, just a conversation. We’re happy to answer any questions and help you find the right fit for your needs.