Payment & Insurance
This page provides information about insurance and self-pay options so you can plan ahead.
Insurance Plans Accepted
Sanford Health Plan – Commercial Products, Simplicity, and NDPERS Plans (Cannot accept True or Employee Plans)
Blue Cross Blue Shield - North Dakota plans, out-of-state plans (including Minnesota) with PPO listed, Federal BCBS plans
Verifying Your Coverage
If you’re unsure about coverage, please reach out to your insurance provider. I encourage you to confirm your mental health benefits and any out-of-pocket costs with your insurer.
Questions to Ask Your Insurance Provider
Is On By Therapy (Dr. Erica Stene Winkler; 3788 55th Ave South, Fargo, ND) considered in-network with my plan?
Does my plan include outpatient mental health benefits?
What is my copay or coinsurance?
Do I have a deductible? If so, what is it, and has it been met?
Out-of-Network Coverage
If I am not in-network with your insurance plan, you may still be able to use your out-of-network benefits. Many PPO plans reimburse a portion of counseling costs, typically 60–90%, after you meet your deductible. If you choose to use out-of-network benefits, I can provide a Superbill (a detailed receipt) for you to submit to your insurance company. Reimbursement is determined entirely by your plan and is not guaranteed.
Self-Pay
I accept private pay clients and offer a reasonable rate. Please contact me to inquire about rates.
Payment Methods
Credit / debit cards
Cash or check
Health Spending Account (HSA) / Flexible Spending Account (FSA) cards
Good Faith Estimates
If you are paying out-of-pocket, you can request a Good Faith Estimate of your expected counseling costs, including session fees and related charges. This helps you plan and avoid surprise bills. Estimates are not a guarantee of final costs and may change based on your needs. To request one, contact me before your first session. For more info, visit www.cms.gov/nosurprises or call 1-800-985-3059.
Let’s Connect!
I'm glad you're here. A great way to start is to submit an inquiry form. This allows me to respond to your request and let you know about my current availability.