Does This Edina Mental Health Clinic Accept UnitedHealthcare or BCBS?
By Cabot Psychological Services · Published 2026-10-14 · Last updated 2026-10-14
Cabot Psychological Services works with a broad range of insurance plans at its Edina office and checks your specific UnitedHealthcare or BCBS plan before your first appointment. Whether you’re covered depends on that exact plan. UnitedHealthcare and Blue Cross Blue Shield each sell many different plans, so network status, copays, and deductibles can vary from one card to the next. We also accept Medicaid and Medicare, which is uncommon for a private psychology practice. You can see us in person at the Edina office or the Minneapolis office, or by telehealth from anywhere in Minnesota.
How Do I Check If My UnitedHealthcare or BCBS Plan Covers Therapy?
A straightforward way to check is to share your insurance card with us, because our team verifies your coverage before your first appointment. You can read more about how insurance-based mental health care works at our practice, but the short version is that the plan on your card matters more than the company name.
UnitedHealthcare and BCBS each sell many kinds of plans: employer plans, individual plans bought on the marketplace, Medicare Advantage plans, and public-program plans. Two people who both carry a “BCBS” card can have very different therapy benefits. One might be in network with a low copay, while the other has a high deductible to meet first.
You can also call the member services number on the back of your card. That call double-checks what our team finds, and it gives you a record of what your insurer told you.
Many plans reset or change in January. A plan that covered therapy last year may have different rules this year, so a fresh check is worth the few minutes it takes.
Reading Your Insurance Card
Your insurance card shows the plan name, member ID, group number, and a phone number, and those details are what a clinic needs to check coverage. The four items to find are:
- Plan name (for example, the specific product or network name, not just the company logo)
- Member ID
- Group number
- Behavioral health or mental health phone number
Look closely for a separate behavioral health number. Some plans handle therapy through a different team than medical care, and that team holds the real answers about mental health benefits. Note who the policyholder is, too. If a teen is on a parent’s plan, or a spouse is on a partner’s plan, the coverage check will need the policyholder’s name and birth date to go through.
Questions to Ask Your Insurer
Ask your insurer whether outpatient mental health visits are covered, what you will pay per visit, and whether anything needs approval first. These five questions are written so you can copy them straight into a note before you call:
- Are outpatient mental health therapy visits covered under my plan?
- Does my deductible apply to therapy visits, or do I pay a flat copay per session?
- Do I have out-of-network benefits if a specific clinician is not in my network?
- Do psychological testing or assessments need prior authorization (approval from the plan before the service happens)?
- Are telehealth therapy sessions covered the same way as in-person sessions?
Write down the date, the name of the person you spoke with, and any reference number for the call. If something doesn’t match later, that note makes it easier to sort out.
Insurance Verification Before Your First Edina Appointment
Cabot Psychological Services verifies your insurance coverage before your first appointment, so you do not have to sort out your benefits alone. In general, a coverage check looks at a few basic questions: whether your plan is active, whether outpatient mental health is a covered benefit, and what you may owe for a visit.
Our team includes clinicians with several license types: PhD, LP (licensed psychologist), LICSW (licensed independent clinical social worker), LMFT (licensed marriage and family therapist), LADC (licensed alcohol and drug counselor), and LGSW (licensed graduate social worker). That range means many kinds of care are available within one practice. Some plans treat license types differently, though, so ask whether your plan covers the license type of the clinician you see.
Cost keeps a lot of people out of care, including many Edina renters and single-person households, and an unexpected bill partway through can make it harder to keep going. Knowing your benefits before you start lets you plan for that.
If you don’t fully understand your benefits, that’s normal. Insurance language confuses a lot of people, and we’d rather you ask than worry.
Does the Clinic Also Accept Medicaid and Medicare?
Yes, Cabot Psychological Services accepts Medicaid and Medicare, which is uncommon among private psychology practices.
In Minnesota, Medicaid is called Medical Assistance. Medical Assistance is often run through health plans rather than directly by the state, so the plan name printed on your card is the detail that matters. Some UnitedHealthcare and Blue Cross brands also offer Medicare Advantage or public-program plans. A card may say UnitedHealthcare or Blue Cross on the front but still be a Medicare or Medical Assistance plan, which is why it helps to share the full card, front and back, rather than just the company name.
Hennepin Healthcare is also one of our insurance partners, which helps if you live in Edina or elsewhere in Hennepin County and carry a Hennepin Healthcare plan.
Cabot Psychological Services has been in practice since 2010. Accepting public-program plans alongside commercial insurance helps make care reachable for people across income levels, from suburban families to people living alone in Edina apartments.
Can I Use UnitedHealthcare or BCBS for Telehealth Therapy in Minnesota?
Many plans cover telehealth therapy, and Cabot Psychological Services offers online sessions statewide, but your specific plan still needs to be checked before you start.
Minnesota has telehealth coverage rules that apply to many state-regulated health plans. Large employer plans that pay claims themselves (often called self-funded plans) may follow different rules. Your card may not make clear which type of plan you have, and that uncertainty is one more reason verification matters.
You typically need to be physically located in Minnesota during a telehealth session with a Minnesota-licensed clinician. If you plan to travel, ask about this before scheduling a session from out of state.
Edina has dark, icy months from November through February, and limited daylight is a documented driver of seasonal affective disorder and worsening depression. Telehealth removes the drive on the days when ice, darkness, or low energy would otherwise make you cancel. It also helps in greater Minnesota, where many areas outside the Twin Cities have mental health workforce shortages and local therapists can be hard to find or have long waitlists.
Therapy and Testing Services to Ask Your Plan About
Insurance often helps pay for licensed therapy and evaluations, but coverage can change from one service to the next, so name the service you want when you ask. “Do you cover therapy?” gets a vaguer answer than “Do you cover individual therapy for anxiety with a licensed psychologist?”
Cabot Psychological Services offers these adult services, among others:
- Individual therapy for anxiety
- Depression therapy
- Burnout and work-related stress therapy
- Cognitive behavioral therapy (CBT), a structured approach that works on the link between thoughts, feelings, and actions
- Dialectical behavior therapy (DBT) and acceptance and commitment therapy (ACT)
- Trauma therapy and EMDR (eye movement desensitization and reprocessing)
- OCD treatment, including exposure and response prevention (ERP)
- Substance use counseling with a licensed alcohol and drug counselor
Psychiatric evaluation and ADHD medication management are also part of our service list. Coverage rules for those can differ from talk therapy, so ask about each one separately.
Child and Teen Therapy, ADHD, and Testing
Child and adolescent therapy, ADHD assessment, autism evaluations, and psychological testing are all offered at Cabot Psychological Services, and testing often needs prior approval from the insurance plan.
If you’re a parent in Edina, Eden Prairie, Minnetonka, or a nearby suburb, have the policyholder’s details ready. Your child is usually a dependent on a parent’s plan, so the check runs through that parent’s information. Plans may also ask for a reason or a referral before approving testing, which can add time. Start the coverage check early.
If a child or teen is in crisis, call or text 988 or go to the nearest emergency room. The 988 Suicide & Crisis Lifeline is available any time. Insurance questions should never delay urgent help.
Couples, Family, and Complementary Services
Couples and family therapy coverage varies widely, and complementary services like Reiki and life coaching are generally not billed as health insurance services.
Our team includes a licensed marriage and family therapist (LMFT), along with an associate marriage and family therapist (LAMFT) who practices under his supervision. Some plans cover couples or family sessions only when the sessions relate to one person’s diagnosed condition, so ask your insurer directly how your plan handles them.
Reiki and certified life coaching are optional add-ons offered alongside licensed clinical care, not replacements for therapy. Before booking, ask our office which services can be billed to your plan and which would be paid separately.
Edina Office, Minneapolis Office, or Telehealth
Cabot Psychological Services has offices in Minneapolis and Edina plus statewide telehealth, so you can choose the setting that fits your schedule and how you get around.
| Setting | Good fit for | Getting there |
|---|---|---|
| Edina office | Suburban families and drivers from Eden Prairie, Minnetonka, Richfield, and St. Louis Park | Easiest by car, since Edina is a car-dependent suburb |
| Minneapolis office | People in Loring Park, Whittier, and nearby neighborhoods | Often a better choice than Edina for people who rely on transit rather than a car |
| Telehealth | Busy professionals and anyone who wants sessions without a commute, especially in winter | No travel; you join online from anywhere in Minnesota |
The Edina office works well for families juggling school pickups and drivers who prefer a suburban location. For someone in Loring Park or Whittier without a car, a transit trip to Edina can add significant travel time to a session, and the Minneapolis office or telehealth is usually the more realistic choice.
Whichever setting you pick, you’re working with the same practice. Multiple clients have independently described the office culture as warm, mentioning human connection as well as clinical competence. That kind of warmth can matter in small moments, like a patient answer to an insurance question or a welcome on a first visit when you’re not sure what to expect.
What Should I Have Ready Before Booking?
Have your insurance card, the policyholder’s name and birth date, and a short note about what you want help with before you book. A quick checklist:
- Insurance card (front and back)
- Policyholder’s name and birth date
- A short note on your reason for the visit
- Preferred setting: Edina office, Minneapolis office, or telehealth
- Best days and times for sessions
Online booking is available through SimplePractice, so you can self-schedule without calling. That helps if you’re new to the area, have a packed workday, or simply find phone calls stressful.
Your note doesn’t need to be detailed. A line like “anxiety at work” or “my teen seems withdrawn” is enough to get the conversation started. If you’re booking for a child, have both your child’s information and the parent’s policy details on hand so the coverage check doesn’t stall halfway through.
Getting Started With Your Coverage Questions
The company name on your card matters less than your exact plan, so share the full card and let our team check the details. Cabot Psychological Services accepts a broad range of insurance, including Medicaid and Medicare, and verifies coverage before your first visit.
You can choose the Edina office, the Minneapolis office, or telehealth anywhere in Minnesota, and you can book online through SimplePractice. Send us your insurance details with your appointment request, and we’ll go over your coverage with you before you begin.
Our Insurance Partners
We accept most major insurance plans to make care accessible
Cabot Clients Say
"Sessions with Amanda are empowering."
Sessions with Amanda are empowering. She is a deeply kind therapist who has helped me to process, heal, and develop as a person.
"I have been a client of Cabot since the inception in 2010"
I have been a client of Cabot since the inception in 2010; my experience with the therapists and administrative staff have always been positive. I trust them and have referred both family and friends to Cabot and all have come back thanking me for the referral and have benefited from the caring and compassionate work of the Cabot staff.
"Cabot provides a welcoming and safe environment"
Cabot provides a welcoming and safe environment for those who may be struggling or need additional support. Each time I come for an appointment I am welcomed with a smile and hello not only from my therapist but others who pass through the waiting room.
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WE PROUDLY PARTNER WITH MANY MAJOR INSURANCE PROVIDERS, INCLUDING COMMERCIAL AND MEDICAID