Frequently Asked Questions

What hours are available for appointments?

We have dedicated office staff Monday - Thursday from 8:30 a.m. to 4:30 p.m. and Friday from 8:30 a.m. to 12:30 p.m.  Additional evening and Saturday appointments are scheduled according to therapist availability. 

Current clients can view our day and evening openings right now through our online scheduling portalIf you would like to schedule on the half hour, please call our office directly for availability.  If you call after regular office hours and leave a message, we will respond the following business day.  We are closed most major holidays.  Our services are by appointment only.

We will be closed on most major holidays. **Each counselor will schedule existing clients during the holiday breaks as their schedule allows.**

Fees & Insurance

COST & First Session

Please, call or email our office directly for our current rates.  Sessions are usually scheduled once a week, depending on your needs. 


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 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

  • Tricare

  • UHC Caterpillar

  • United Healthcare

We have applications in process with:


We cannot accept the Medical Card, Meridian, Molina, Medicaid, or Medicare insurances at this time.

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.

Reduced Fee

If your insurance is not In Network or your Out of Network benefits do not cover counseling and you have a financial hardship, you may want to consider asking for a fee reduction.  We reserve several reduced fee spots as part of our practice.  Please contact us to see if you qualify.

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) on a limited basis to residents of Illinois.  Most insurance companies will not cover this service, but some clients choose to self pay for technology assisted counseling.

What does my diagnosis mean?

At Summit Family Therapy, we put an emphasis on recovery, not pathology.  A diagnosis, such as anxiety or depression, is just a snap shot of your current symptoms.  It is not necessarily permanent and is never a negative reflection of your personal worth or character.  We use honest and accurate diagnosing to communicate with your insurance company the severity of your situation in the hopes that they will cover your sessions.

I am worried my counselor will judge me.

To be frank, we live in an often judgmental culture where people have strong opinions about all kinds of things.  It is very normal for a new client to worry about being judged harshly by their therapist. 

We are committed to creating a relationship with every client based on mutual respect, understanding, and openness.  In our dedication to the creation of a safe space for all humans, you can expect us to be welcoming and supportive.  We do not push our own personal beliefs on clients and we make every effort to work within each client's own worldview, religion, or faith system.  We pledge to honor and respect any similarities and differences inherent in our relationship with you, and value this relationship as an important piece of providing culturally competent services.  We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national or ethnic origin, age, status as an individual with a disability, protected veteran status, or other protected classes under the law.

I am not sure if you treat my issue.

We are willing to work with any client who is within the scope of our counselors' training and individual competency.  With your first phone call to our clinic, we will ask a few basic questions to get you connected to the right counselor for your needs.

How long will I need counseling?

You will decide with your therapist the amount of counseling that is right for your situation.  Once you meet your goals, there is no need to continue counseling.  Our clients are usually seen on a weekly basis, but we will adjust that together base on your health needs.

You will be actively involved in creating treatment goals with your therapist.

What is your approach to counseling?

The video below gives a great perspective on our more relational treatment approach, though each of our therapists has unique areas of expertise.  We view your presenting problems in the context of your relationships.  Our team members are trained in many evidence-based practices, such as EMDR, Emotionally Focused, Experiential Therapy, Gottman Method, Narrative Therapy, Solution Focused Brief (SFBT), Cognitive Behavioral, Play Therapy, and Trauma Focused therapies.

Feelings of worth can flourish only in an atmosphere where individual differences are appreciated, mistakes are tolerated, communication is open, and rules are flexible - the kind of atmosphere that is found in a nurturing family.
— Virginia Satir