Therapy & Counseling Services – Payment & Information
Whether engaged in more traditional psychotherapy or coaching, we meet with clients in person in our downtown Chicago office.
However, as appropriate, sessions can be conducted on the phone.
Therapy & Coaching appointments generally are 50-55 minutes (a clinical hour) in length. At times extended or intensive sessions can be arranged.
Fee-for-service payment is always an option. In a fee-for-service arrangement, we can base treatment on the needs of the client without the approval of insurance representatives. In addition, no information is shared with outside organizations, removing confidentiality concerns.
Fee-for-service arrangements are the only way we can assure confidentiality and ensure that treatment is not impacted by the cost-cutting efforts of the insurance companies. Our standard fee is $140.00 (individual) to $160.00 (couples and family) per clinical hour. Feel free to discuss any financial concerns you may have with your therapist prior to your first session.
Timely payment is expected. Payment can be made to the therapist at time of service or by our office via supplied credit card authorization. We accept payment via cash, check, credit card, or PayPal.
Please note that psychotherapy services are generally eligible expenses for reimbursement from medical flex-spending accounts. Additionally, the cost for our services may be able to be written off as a medical expense tax deduction, see your tax professional for more information.
Blue Cross and Blue Shield PPO: All PeoplePsych therapists are “in-network” for most Blue Cross Blue Shield (BCBS) PPO and Blue Choice plans.
Other PPO Plans: If your coverage is through another PPO (such as Cigna, United, Humana, or Aetna), your insurance likely covers out-of-network providers as well. Although this coverage may be at a lower rate, we will attempt to access those benefits to partially cover our psychotherapy services making our therapy sessions more affordable than a fee-for-service arrangement.
For most clients who wish to access their insurance benefits, whether Blue Cross Blue Shield PPO or another plan, we will bill your insurance directly and submit the claim to the insurance company. For those not covered through BCBS PPO, this submission is a courtesy and a retainer may be requested to offset the delay in insurance processing as full payment of therapy charges is still the responsibility of the client.
If preferred, clients using out-of-network insurance benefits can pay up front for services and request a completed statement to submit to their insurance company for reimbursement on their own.
Chicago Public School Employees: It is important to note that some employees covered through BCBS PPO plans through the Chicago Public Schools (CPS), have chosen a plan that has “carved” behavioral health care out to Optum which is a company owned by United Healthcare. As a result, 60-minute sessions are not covered without ongoing case management and considers PeoplePsych therapists as out-of-network. We cannot work with these plans. If you are a CPS employee covered by BCBS PPO we ask that you determine your mental/behavioral health coverage prior to your initial appointment.
HMO/Tricare/Medicaid/Medicare Plans: PeoplePsych therapists do not attempt to access benefits through these plans, including those plans through BCBS. Those wishing to work with a PeoplePsych therapist will be charged our fee for service rate and given a monthly statement detailing the charges. If desired the statement may be submitted by the client to the insurance company in an effort to gain reimbursement.
It is important to note that all insurance companies require some degree of personal information to process a claim, and some require a great deal of clinical detail before authorizing sessions or payment, and this can change with little notice. In the event this occurs, we notify clients prior to providing additional personal or clinical information.
Services such as coaching, specialized workshops, divorce mediation, and conflict management services are not eligible for insurance reimbursement and are provided on a fee for service basis only.