Insurance Information

PrairieCare works closely with patients, their families, agency representatives, insurance companies, EAPs and managed care providers to determine all possible payment options. We are an in-network provider for most major insurance companies and managed care plans. Please call your insurance company for specific mental health plan details regarding coverage, deductible and coinsurance. Other billing questions may be answered by calling PrairieCare’s Billing Department at 952-826-8460. It is ultimately the insurance members responsibility to verify insurance benefits.

In-network plans for Partial Hospital and Inpatient care:

  • Cigna
  • HealthPartners
  • Medicaid/Medical Assistance
  • MN BCBS
  • Preferred One

Common in-network plans for clinic and Intensive Outpatient care
Coverage may vary by clinician:

  • Aetna**
  • Cigna
  • HealthPartners
  • Humana
  • Medica **
  • Medicaid/Medical Assistance
  • Medicare*
  • MN BCBS
  • Optum **
  • Preferred One
  • Select Care**


*Medicare does not cover Intensive Outpatient Programs
**These plans do not cover Intensive Outpatient Programs as in-network


FAQ’s – Insurance

Why are there two accounts?

As a patient in our programs or hospital, you will have two accounts for which you will receive two separate statements.

  • “Professional fees” are billed through PrairieCare Medical Group.  These fees are for the time spent with the clinician individually and in groups
  • Daily “facility fees” are billed through PrairieCare and cover the time spent in the program itself.

Do you have financial assistance available?

Yes, we do!  If you qualify, you or your family may receive a discount of up to 100% of the amount left after your insurance processes.  For our patients without insurance, you may receive a discount of up to 50% on your account in addition to our automatically applied, reduced “self-pay” rates.  Qualification is based on the current years’ Federal Poverty Levels.   CLICK HERE for Financial Assistance Application.

Can I get billing information about my spouse or adult children?

In accordance with Federal HIPAA Guidelines and 42 CFR and in order to protect the privacy of our patients, a signed release of information is required to share specific information about our patients aged 16 years and older, regardless of relationship.

Can I set up a payment plan?

Yes!  You can set up a payment plan for up to 9 months.  Larger amounts that may require a longer payback time are approved on a case by case basis.  We charge no late fees and no interest will accrue on open balances.

How can I find out the specific benefits for my insurance plan?

We cannot quote benefits.  For benefit information, it is your responsibility to contact the customer service number on the back of your insurance card.

How can I advocate for necessary mental health care with my insurance plan?

Many insurance companies will require pre-authorization for initial and ongoing coverage for some mental health services. It is important to understand that the insurance companies decision on pre-authorization may be independent of whether or not the services are deemed medically necessary by the provider. In other words, a provider may deem a treatment beneficial or even necessary but the insurance company may disagree and not provide payment coverage. In these cases, we encourage members to contact their insurance company and exercise their rights as a consumer to advocate otherwise.
Click here for more information on advocating for medical coverage.

Does insurance cover the Needs Assessment?

The Needs Assessment is offered free of cost. No charges will be billed to you or your insurance for this service.

How can I make my payments to you?

One of three ways:

  • By mail with check accompanied by statement stub
  • In the clinic by check, cash or credit card, or
  • By credit card by calling the billing office @ 952-826-8460

*Coverage Disclosure to Medica/Optum Subscribers:

We regret to inform you that unlike with other major insurers, Medica/Optum is not contracted with PrairieCare for in-network services. PrairieCare believes that Medica/Optum places unreasonable limits on the authorization of critical psychiatric services. It is PrairieCare’s opinion that these limits create unnecessary barriers to receiving needed care. PrairieCare has not had this experience with other major insurers in Minnesota. Unfortunately, this means that your insurance likely will cover less of the costs of your care than if PrairieCare was in the Medica/Optum network. This also means that you may be responsible for higher out-of-pocket costs.

We want to make our services as easily accessible to those who need them. Therefore, we encourage you to:

1) Contact Medica/Optum by calling the number on the back of your insurance card and request that they consider reasonable criteria for care authorizations.

2) If you have insurance through your employer, inform your Human Resources department that your employer-selected benefit plan does not cover on an in-network basis critical services provided by one of the state’s largest psychiatric hospital systems.

3) Contact your legislators and inform them of your situation and that Medica/Optum lacks in-network coverage due to what PrairieCare’s psychiatrists believe are unreasonable authorization requirements.