Insurance and Private Pay
Manatee Mental Health accepts private pay and health insurance clients. Please ask Stephanie for details about current session rates. Reduced private pay rates may be available and can be discussed as needed.
Accepted Insurance
Manatee Mental Health is currently in-network with:
- Aetna
- Blue Cross Blue Shield / BluePlus
- HealthPartners Commercial and PMAP
- Medica MN Preferred
- Medica SelectCare
- MN DSNP
- UBH General
- UnitedHealthcare
- UMR
- Minnesota Medicaid
- UCare
How to Ask About Mental Health Coverage
Health insurance can be confusing. Call the number on the back of your insurance card or log in to your insurance company’s website. Follow the prompts for “eligibility and benefits” or “search for a provider.”
When you speak with your insurance company, you may want to ask:
- Is Manatee Mental Health, Stephanie Ruppert, MA, LMFT, in-network with my plan?
- Will I be responsible for a copay, coinsurance, or deductible amount?
- Does my plan have a session limit per year?
- If Manatee Mental Health is not in-network, what are my out-of-network benefits?
- Can I submit a superbill directly for possible reimbursement?
Information Your Insurance Company May Ask For
Commonly Billed CPT Codes
90791, 90837, 90834, 90832, 90846, and 90847
NPI Number
Manatee Mental Health: 1972230845
Common Health Insurance Terms
Copay
A set amount you pay for a session, depending on your insurance plan.
Deductible
The amount you may need to pay before your insurance begins covering part of the cost.
Coinsurance
A percentage of the session cost that you may be responsible for after your deductible is met.
In-Network
A provider who has a contract with your insurance company.
Out-of-Network
A provider who does not have a contract with your insurance company. Some plans may still offer partial reimbursement.
Superbill
A detailed receipt that may be submitted to your insurance company for possible out-of-network reimbursement.
