Question 1

1. Which insurance plans do you accept? Is there a co-pay?

Accepted Answer

In-network providers by state:Illinois - Blue Cross/Blue Shield PPO, Aetna PPO, and United Healthcare PPO (all offices). Medicaid: Blue Cross Community Health Plans (BCCHP) and CountyCare in-person at our Ravenswood office, telehealth available across the state. 
Find a therapist accepting Medicaid hereMichigan - Blue Cross/Blue Shield Michigan PPOCalifornia - We do not accept insurance in California at this time.Some individual therapists in our practice may accept other insurance plans as well; please see our individual profiles for a complete listing. Your co-pay and/or deductible will depend on your specific plan. To find out more about your specific plan’s coverage, try asking the following questions of your insurance company: Do I have outpatient behavioral health coverage?  What is my annual deductible amount and how much is remaining? When does my deductible reset? What is my co-pay and/or co-insurance amount(s)? Is pre-authorization needed prior to beginning services? Is there a per year session limit?

Question 2

2. What if I do not have an insurance plan in your network?

Accepted Answer

We also accept out of network insurance plans, and as a courtesy we will submit all the paperwork for you to be partially reimbursed at a later date by your insurance, based on their out of network reimbursement rates. You will be responsible to pay the full session fee on the date of the session.

To find out about reimbursement options from your insurance company, inform a representative that you want to check your mental health benefits, and ask the following questions:

Do I have out-of-network outpatient behavioral health coverage? 
 What is my annual deductible amount and how much is remaining?
 When does my deductible reset?
 Is there a percentage of all out-of-network costs incurred that my plan will reimburse me? 
Do I have a limit to the allowable amount per session that my plan will reimburse me for out-of-network services I receive? For instance, will my plan reimburse me up to a certain percentage for costs at or above a certain dollar amount? (Knowing this information will allow you to determine what to expect to be reimbursed by your plan).

Question 3

3. What if I do not have insurance at all? Can I pay out of pocket?

Accepted Answer

Our out of pocket fees vary by therapist, but generally range from $150-$200 per session.

Question 4

4. Do you offer reduced fee sessions?

Accepted Answer

Some of our CCRC staff therapists (post-graduate and licensed clinicians) are able to offer reduced fee sessions, which generally range from $50-$150 per session. Our sliding scale offerings are dependent on each client’s financial sustainability and limited current appointment openings among our staff therapists.

Another option for even further reduced fee sessions is to go through the Phoenix Clinic, which is a separate entity from CCRC. The Phoenix Clinic is staffed by student interns, who are in the midst of their graduate studies towards becoming licensed clinicians. Phoenix Clinic session fees range from $0-$50. Fees and availability in the clinic are dependent on each client’s financial sustainability and current appointment openings among the student interns. (Click here to check out the Phoenix Clinic website for more information.)

Question 5

5. How do I pay for my sessions?

Accepted Answer

We accept all major credit cards, cash, or checks. Payment is due at the time of each session. You can place a credit card on-file with us so that your account is automatically charged each time you come in.

Question 6

6. What if I have to miss a session?

Accepted Answer

There is no charge for a cancellation with 24 hours notice or in the case of an emergency. If you simply do not show up for your scheduled session, however, there will generally be a charge, which your therapist will discuss with you at the outset.

Resources

Frequently Asked Questions

1. Which insurance plans do you accept? Is there a co-pay?

2. What if I do not have an insurance plan in your network?

3. What if I do not have insurance at all? Can I pay out of pocket?

4. Do you offer reduced fee sessions?

5. How do I pay for my sessions?

6. What if I have to miss a session?

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