Insurance & Fees
Let's demystify insurance, shall we?
For those that want to use health insurance, most insurances have "behavioral health benefits" or "mental health benefits" that you can ask about. You can often log in to your provider online (www.bcbsil.com for Blue Cross Blue Shield) or give them a shout at the 800 number listed on the back of your insurance card. Sometimes your benefits used in therapy are wrapped up with your medical benefits, but other times they are separate. I am also happy to check benefits for you.
Most people have a deductible. Deductibles vary in amount. The deductible is a monetary number that you have to reach before you have 100% coverage, partial coverage (called co-insurance) or just a copay to make on your visits. Sometimes this deductible is separate for therapy, but many times the deductible is reached by any medical professional visits that you are making (primary doctor, specialists, etc.). Co-insurance and co-pays are often listed on your insurance card.
Providers can be In Network or operate Out of Network for you. I am In Network with Blue Cross Blue Shield PPO and Blue Choice. Individuals have both In Network benefits and Out of Network benefits. This might mean that you have a separate deductible and coverage amount for each. This means that, for example, if you have Cigna and want to work with me, you would be working on a separate deductible than your In Network providers. I have the ability to bill out of network for you, or I can provide you with a Superbill to submit on your own.
I am In Network with BCBS PPO and Blue Choice. I have the ability to bill Out of Network or provide Superbills.
In addition, I also take private pay clients. Assessments (first appointments) are $200 and all subsequent appointments are $150. In an effort to make therapy more affordable, I save a few sliding scale spots for those who can't afford my full fee.
I accept cash, checks, Chase Quickpay, and all major credit cards.