Fees & Insurance

COST & First Session

Please, call or email our office directly for a free insurance quote and cost estimate.  Sessions are usually scheduled once a week, depending on your needs.  Insurance may cover all or part of your services.

Here are our current rates, prior to any insurance coverage:

 
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Payment

We accept cash, check, and major credit cards. Payment is due at the beginning of each session.  For insurance clients, all co-pays, coinsurance, or deductibles are paid at the time of service.

Cancellation Policy

If you miss your scheduled therapy appointment, without notice at least 24 hours in advance, you will be required to pay the cost of your scheduled session.  This is not covered by your insurance.

Do you accept insurance?

We are in the process of becoming a preferred provider for several insurance companies.  Please contact us to determine if we are an In Network provider for your insurance.  We will gladly check benefits for you prior to your appointment. 

We are unable to accept the Medical Card, Meridian, Molina, Medicaid, or Medicare insurances at this time.

We currently have providers who are In Network with:

  • BCBS/BlueCross BlueShield PPO

  • BCBS/BlueCross BlueShield Blue Choice Preferred

  • Group Administrators

  • Health Alliance

  • Humana

  • OSF Direct Access Network

    • Benefit Administrative Systems

    • Consociate

    • CoreSource

    • Group Plan Solutions

    • Mutual Medical Plans

    • Sisters of the Third Order of St. Francis - Group Health Plan

  • UHC Caterpillar

  • United Healthcare

If your insurance is not In Network, you may be able to use Out of Network Benefits.  This generally means that you will pay full fee for therapy at the time of service and Summit Family Therapy will give you a Superbill to provide to your insurance company for full or partial reimbursement.  Please make a request for monthly Superbills at your first session.  Contact your insurance company directly to find out if you have Out of Network Benefits; not all plans have this option. 

Some clients prefer to pay out of pocket and not use their insurance benefits.  Reasons for this include having to share personal information with your insurance provider, high deductibles, having a limit on the number of sessions covered, and having a diagnosis on record that could impact future jobs, security clearance, adoption approvals, etc.

Does insurance cover couples counseling?

Insurance is specific to your policy, but generally covers issues considered "medically necessary."  This means that a person's current symptoms (such as depression) fit a specific diagnosis and the purpose of therapy is to address that condition.  Therefore, if at least one member of a couple has a diagnosis and couple/family therapy will be part of treating that issue, then yes, couples counseling will likely be covered by insurance.

Does insurance cover DISTANCE counseling or telehealth counseling?

We do have clinicians on staff who offer technology assisted counseling (through confidential video chat) to residents of Illinois.  Most insurance companies will cover this service due to the governor’s shelter in place order and some clients choose to self pay for technology assisted counseling.