Health insurance helps cover the cost of healthcare, including mental health services. Depending on your specific plan, you may pay some of the cost through a deductible, copay, or coinsurance, while your insurance covers the rest.

Every insurance plan is different, so we always recommend checking your individual benefits to understand your coverage for mental health services.

Interna accepts Medical Assistance.

Medical Assistance (MA) is Minnesota’s Medicaid program, which provides health coverage to eligible Minnesotans. Eligibility depends on factors such as income, household size, age, disability status, and other circumstances.

If you have MA, your mental health services may have little or no out-of-pocket cost. Your exact coverage depends on your plan and the services you receive.

Key Features of Medical Assistance

• No Monthly Premium: Enrollees do not pay a monthly fee to keep the coverage active.

• Low Cost-Sharing: Members typically have very small or zero co-pays for approved medical services.

• Comprehensive Care: Covers doctor visits, hospital stays, prescriptions, mental health services, and long-term support.

• Income and Asset Rules: Eligibility depends on household size, income limits, and resource guidelines set by the state

Interna accepts most PMAP plans.

If you have Medical Assistance (MA), your coverage may be managed through a health insurance company. This is called a Prepaid Medical Assistance Plan, or PMAP.

Your PMAP covers services included with Medical Assistance, including mental health care. The specific providers, services, and benefits available to you depend on which PMAP you have.

Not sure which plan you have? Your insurance card should list the name of your health plan.

Interna does not accept medicare.

Medicare is a federal health insurance program in the United States. It provides medical coverage for people age 65 or older, as well as younger individuals who have long-term disabilities as defined by the federal government.

Interna does not accept Tricare.

TRICARE is the uniformed services health care program for active-duty service members, National Guard and Reserve members, military retirees, and their eligible family members worldwide. Managed by the Department of Defense's Defense Health Agency, it blends military health resources with a civilian network of medical professionals.

Interna accepts most commercial plans.

Commercial insurance is health insurance you receive through an employer or purchase yourself. There are several types of commercial insurance plans, and each has different rules about which providers you can see and what you may pay for services.

Common types of plans include:

• HMO (Health Maintenance Organization): Generally requires you to use providers within your insurance network. Out-of-network services are typically not covered except in certain circumstances, such as emergencies.

• PPO (Preferred Provider Organization): Usually gives you more flexibility to see both in-network and out-of-network providers, although you may pay more for out-of-network care. Referrals are generally not required.

• EPO (Exclusive Provider Organization): Generally covers services only from in-network providers, but typically does not require referrals to see specialists.

• POS (Point of Service): Combines features of HMO and PPO plans. You may be able to receive out-of-network care, but usually at a higher cost.

Even within the same insurance company, plans can be very different. Interna accepting an insurance company does not necessarily mean every plan offered by that company is in-network, so we recommend verifying your specific plan and benefits.

Insurance language can feel like another language Here are a few terms that can help you better understand what you may pay for therapy:

• Premium: The amount you pay, usually monthly, to maintain your health insurance coverage.

• Deductible: The amount you may need to pay for covered healthcare services before your insurance begins sharing the cost. Not all services or plans require you to meet your deductible first.

• Coinsurance: A percentage of the cost you pay for a covered service, often after meeting your deductible. For example, if your coinsurance is 20%, you may be responsible for 20% of the allowed cost.

• Copay: A set amount you pay for a covered service. For example, your plan may have a $30 copay for a therapy session.

Your deductible, copay, and coinsurance depend on your specific insurance plan, so two people with the same insurance company may have very different costs.