Insurance and Payment

Here to help with insurance coverage and payment questions.

Understanding and paying for health care services can be challenging and confusing at times. Our goal is to help you understand how our services are covered under your specific benefit plan. Then, we’ll work with you on payment options so you can get the care you need.


Alluma accepts most of the insurance plans available in our region. If you have questions about whether your insurance is accepted by our agency, please contact us.

Private Insurance

  • Blue Cross Blue Shield (all states)
  • HealthPartners
  • PreferredOne
  • Sanford
  • Tri-Care
  • United Behavioral Health (all states)

Other insurances are accepted, but we may be considered an out-of-network provider.

Income-based Insurance

Income-based insurances are generally obtained through an application with the county or through MNSure.

  • Blue Plus (Blue Cross Blue Shield product)
  • HealthPartners
  • PrimeWest
  • Medicaid
  • UCare
  • United Behavioral Health

We can only accept income-based insurance from Minnesota companies.

You may be eligible to receive sliding fee assistance or to have a private pay agreement set up with us.

Employee Assistance Programs

We are an Employee Assistance Provider (EAP) for various local employers and EAP systems. If you do not see your employer or EAP listed below, please contact your Human Resources Department for guidance. Or you may choose to see us using your regular insurance.

  • Arctic Cat
  • Crookston Public Schools
  • DOR Affiliates (Bremer Bank)
  • Pioneer Memorial
  • RiverView
  • Sandcreek
  • The Village Family Service Center
  • Vital Work Life

Most EAPs only cover outpatient services and limit you to a certain number of sessions. Please review this with your HR department and our staff as you begin services with us.

Medicare and Military Insurance

Alluma accepts Medicare and Military Insurance. Currently, federally supported insurances require that you see a provider whose licensure type and service type are approved by the federal plan. Alluma has many Medicare-approved mental health providers, so this should not limit your access to services. Medicare does not cover substance use services, so services will be billed to private insurance or paid according to our sliding fee scale.

Uninsured Clients

Alluma is an MNSure partner. Our trained MNSure navigators can help you apply for coverage.

Sliding Fees

Alluma has a sliding fee scale designed to support eligible individuals at or below 275% of the Federal Poverty Guidelines. Review Alluma’s Sliding Fee Policy.

Payment Arrangements

With today’s high deductible insurance plans, we understand that paying for health care can be challenging. Our team is here to work with you to make a payment arrangement plan. Our providers are also happy to work with you in planning a course of treatment that works for you, your insurance, and your budget.

Still have questions? Contact our billing team at 218-470-1412 or