Does the Edina Clinic Accept Insurance for Individual Therapy?
By Cabot Psychological Services · Published 2026-10-14 · Last updated 2026-10-14
Yes, the Edina office accepts a broad range of insurance for individual therapy, including Medicaid (Medical Assistance in Minnesota) and Medicare, which is rare among private psychology practices. What you’ll pay depends on your specific plan, so Cabot Psychological Services checks your coverage before your first appointment and confirms the details with you. You don’t have to sort out your benefits alone. Our licensed clinicians (LP, LICSW, LMFT, and LADC) provide individual therapy for concerns like anxiety, depression, trauma, and OCD. We also see clients at our Minneapolis office, and you can meet with a therapist by telehealth from anywhere in Minnesota.
Does the Edina Office Take Medicaid and Medicare for Individual Therapy?
Yes, Cabot Psychological Services accepts Medicaid and Medicare for individual therapy at the Edina office, which is rare among private psychology practices. Our approach to insurance-based mental health care across our Minneapolis and Edina offices is built around this kind of access. If you know your plan as Medical Assistance, you’re in the right place: Medical Assistance is the name Minnesota uses for its Medicaid program. The Minnesota Department of Human Services Medical Assistance page explains who qualifies and what the program covers.
Cabot Psychological Services has been in practice since 2010, making it one of Edina’s longer-established independent psychology practices. Hennepin Healthcare is one of our insurance partners.
We’re not listing other plan names here, and that’s on purpose. Two people with the same insurance company can have very different benefits, depending on the plan their employer or the state chose. What matters is your specific plan, and we check that for you before your first visit.
How Does Insurance Verification Work Before Your First Session?
We verify your insurance coverage before your first appointment, so you know where you stand before you sit down with a therapist. Insurance verification means confirming with your insurer that your plan covers outpatient mental health care and what your share of the cost may be.
Benefit details can be confusing. Terms like “deductible” (the amount you pay before your plan starts paying) and “copay” (a set fee per visit) are easy to mix up, and you shouldn’t have to call your insurer or decode those terms by yourself.
Here’s the order things usually happen:
- Book online through SimplePractice (clientsecure.me), or contact our office.
- Share your insurance details with us.
- We check your coverage with your insurer.
- We confirm your coverage with you before session one.
Online self-scheduling helps if you’re new to the area or move often. Many people in nearby Minneapolis neighborhoods like Loring Park and Whittier rent their homes and may not have a long-term provider yet. Booking online lets you start without waiting on a phone call.
What Information Should You Have Ready?
Have your insurance card and the policyholder’s basic details ready so verification goes smoothly. The policyholder is the person whose name the plan is under. Sometimes that’s you. Sometimes it’s a spouse or parent.
Keep these items close by:
- Member ID number
- Group number, if one is listed on your card
- Name and date of birth of the policyholder
- The insurer’s phone number, found on the back of the card
If you have Medicare or Medical Assistance, have that card handy too, even if you also carry a second plan. Some people have two kinds of coverage, and both cards help us get the full picture.
What If Verification Shows a Coverage Gap?
If verification shows your plan does not fully cover therapy, you learn this before your first session, not after. Finding out early gives you time to think through your choices without pressure.
A gap can come up for ordinary reasons. Your plan may limit certain services, or it may only pay for providers in a set network. Start by asking your insurer whether your plan includes out-of-network benefits, then ask our office what options exist for your situation. A coverage question doesn’t mean therapy is out of reach, and we’ll talk it through with you without judgment.
Do You Need a Diagnosis for Insurance to Cover Therapy?
In most cases, yes. Health insurance usually pays for therapy only when a licensed clinician documents a mental health diagnosis that shows the care is medically needed.
Insurers call this “medical necessity.” In plain words, the plan wants a clinician to confirm that you have a real health concern and that therapy is a reasonable way to treat it.
Many of the common reasons adults seek individual therapy meet this bar, such as:
- Anxiety that gets in the way of work, sleep, or daily life
- Depression, including persistent sadness, low mood, and loss of joy
- PTSD after a traumatic event
- OCD (obsessive-compulsive disorder)
- Insomnia and ongoing sleep trouble
A diagnosis is a clinical tool for care and billing. It isn’t a label that defines who you are. It gives your therapist a shared starting point and gives your insurer the information it needs to process claims.
Therapy usually begins with an intake assessment. During that conversation, a clinician typically asks what brought you in, how long it’s been going on, and how it affects your days. Your answers are what the clinician uses to arrive at a diagnosis, and from there the two of you build a treatment plan together.
Which Individual Therapy Services Can Insurance Help Pay for at the Edina Clinic?
Insurance can often help pay for evidence-based individual therapy for anxiety, depression, trauma, OCD, grief, burnout, insomnia, and other clinical concerns, depending on your plan. Evidence-based means the methods have strong research support behind them.
The table below shows common concerns and the related services Cabot Psychological Services offers.
| What you’re dealing with | Related service at the practice |
|---|---|
| Anxiety | Individual therapy for anxiety |
| Depression and treatment-resistant depression | Depression therapy, treatment-resistant depression care |
| Trauma and PTSD | Trauma-informed therapy, EMDR (Eye Movement Desensitization and Reprocessing) |
| OCD | Specialized OCD treatment |
| Burnout and work stress | Burnout and work-related stress therapy |
| Insomnia | Psychological treatment for sleep difficulties |
| Grief | Grief counseling |
Across these services, clinicians draw on evidence-based approaches. Cognitive Behavioral Therapy (CBT) is a core modality at the practice, and clinicians also use Acceptance and Commitment Therapy (ACT), Dialectical Behavior Therapy (DBT), and Exposure and Response Prevention (ERP). You and your clinician decide together which approach fits best.
In plain terms, CBT helps you notice and change thought patterns that keep a problem going. ERP gradually helps you face OCD triggers without doing the compulsion. EMDR uses guided eye movements while you process traumatic memories.
We also offer specialized individual support for first responders and healthcare workers. Minneapolis has a large healthcare and first responder workforce, including people who work at HCMC and on the University of Minnesota medical campus. Substance use counseling is delivered by a licensed alcohol and drug counselor (LADC).
Coverage for one service doesn’t always mean coverage for another, so we confirm what your plan pays for during verification.
Services That Usually Fall Outside Insurance
Reiki and certified life coaching are offered as complementary services alongside clinical therapy, and health insurance plans generally do not cover non-clinical services like these. Insurers pay for treatment of a diagnosed health condition, and Reiki and life coaching sit outside that category. They’re add-ons, not a replacement for licensed clinical therapy.
If you’re curious about Reiki or certified life coaching, ask our office directly rather than assuming your plan covers them.
Does Your Therapist’s License Affect Insurance Coverage?
Yes, insurers generally pay for therapy delivered by licensed clinicians, so the credentials on your therapist’s license matter for coverage.
Cabot Psychological Services has a multi-disciplinary team. Credentials on the team include PhD, LP, LICSW, LMFT, LADC, and LGSW. Having that range of licensure in one practice is uncommon, and it means you can work with a psychologist, a clinical social worker, a marriage and family therapist, or an alcohol and drug counselor without switching practices.
| Credential | What it means | Example clinician |
|---|---|---|
| LP | Licensed psychologist | Amanda Mulfinger, PhD, LP, President and Owner, MN License #LP5029 |
| LICSW | Licensed independent clinical social worker | Andrea Steele, MSW, LICSW, MN License #LICSW17856 |
| LMFT | Licensed marriage and family therapist | Craig Norvell, MA, LMFT, MN License #LMFT2363 |
| LADC | Licensed alcohol and drug counselor | J Gold, MSW, LICSW, LADC, MN License #LICSW31202 and #LADC306430 |
Amanda Mulfinger, PhD, LP, is the President and Owner of Cabot Psychological Services. J Gold holds dual licensure in clinical social work and alcohol and drug counseling.
Clinician schedules and office locations can change. When you book, ask which clinicians are available at the Minneapolis office, the Edina office, or by telehealth.
You can look up any Minnesota license number yourself, because the state licensing boards keep public records showing each license’s current status. LPs fall under the Minnesota Board of Psychology, LICSWs and LGSWs under the Board of Social Work, LMFTs and LAMFTs under the Board of Marriage and Family Therapy, and LADCs under the Board of Behavioral Health and Therapy.
What Do LGSW and LAMFT Mean for Your Plan?
LGSW and LAMFT clinicians are licensed at a graduate level and practice under supervision, and some insurance plans treat supervised clinicians differently. LGSW stands for licensed graduate social worker. LAMFT stands for licensed associate marriage and family therapist.
Two examples on our team:
- Anna Weiland, MSW, LGSW, MN License #LGSW31602
- Adam Cook, MA, LAMFT, who is supervised by Craig Norvell, LMFT, MN License #LMFT2363
Because plans vary on how they handle sessions with supervised clinicians, we can confirm during verification whether yours covers sessions with an LGSW or LAMFT.
Can Teens Use a Parent’s Insurance for Individual Therapy in Edina?
Yes, teens covered as dependents on a parent’s health plan can usually use that coverage for individual therapy, and Cabot Psychological Services offers therapy for children and adolescents. A dependent is a child listed on a parent’s insurance plan.
For families in Edina and nearby suburbs, the Edina office offers an in-person option closer to home than the Minneapolis office. We work with teens on anxiety, depression, behavioral challenges, and trouble with emotional regulation, meaning difficulty managing strong feelings.
For verification, we need the policyholder’s details, and for most teens that’s a parent. The parent’s name, date of birth, and insurance card information help us check coverage quickly.
Psychological testing and ADHD assessment are separate services from individual therapy. A plan that covers therapy may treat testing differently, so ask us to confirm testing and assessment coverage separately during verification.
If a child is in immediate danger, call 911 or go to the nearest emergency room. For a mental health crisis, you can call or text 988 to reach the 988 Suicide and Crisis Lifeline, which is available 24 hours a day.
Can You Use Insurance for Telehealth Instead of Driving to Edina?
Yes, Cabot Psychological Services offers telehealth therapy statewide in Minnesota. Minnesota law requires many state-regulated health plans to cover therapy by telehealth the same way they cover in-person visits. Not every plan falls under that law, and situations differ, so confirm your own coverage during verification.
Edina is a car-dependent suburb, so the Edina office is easiest if you drive. If you live in Loring Park, Whittier, or Stevens Square and rely on transit, getting to Edina may take a long time, and the Minneapolis office or telehealth may suit you better.
Winter is another reason people pick telehealth. From November through February, ice and short daylight make commutes harder. Limited daylight can also deepen low mood, and winter is a known driver of seasonal depression. Telehealth removes the drive, so a hard winter day doesn’t have to mean a missed session.
Telehealth also widens access outside the Twin Cities. Many areas of greater Minnesota have mental health workforce shortages, and local therapists can be hard to find. Statewide telehealth lets people in those areas see a licensed therapist from home.
If you’d like to combine in-person and telehealth sessions, ask our office whether that works for your schedule, and confirm during verification that your plan covers both.
Next Steps for Using Your Insurance at the Edina Clinic
Cabot Psychological Services accepts a broad range of insurance for individual therapy, including Medicaid (Medical Assistance) and Medicare. Because we verify your coverage before your first appointment, you aren’t facing surprise insurance questions on day one, whether you choose the Minneapolis office, the Edina office, or telehealth anywhere in Minnesota.
Starting therapy can feel like a big step, and we’d rather the paperwork not add to it. Multiple clients have independently described our office culture as warm, and we try to bring that same care to the first message about your insurance.
When you’re ready, book online through SimplePractice at clientsecure.me, or contact our office with your insurance card in hand. We’ll check your coverage and help you find a licensed therapist who fits what you need.
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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