FEES FOR SERVICES

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Insurance

Empower Family Therapy is in network with the following private insurance plans:

  • BCBS Illinois, PPO plans

  • Cigna Plans

  • Aetna

We are not in network with any Medicaid, Managed Medicaid or Medicare plans.

It is highly recommended that potential clients consult with their insurance company with any questions about what their plan covers in the effort of avoiding unexpected costs. Clients are responsible for costs incurred from services rendered, whether their insurance will cover them or not. Most plans require clients to pay a copay at each visit. Copays vary depending on individual plans. Some plans require clients to meet a deductible prior to covering the cost of therapy sessions.

Check out our Cheat Sheet for calling your insurance to see if our services are covered under your plan.

The starting fee for ‘out-of-pocket’ therapy services is $150 per 50 minute session. Fees vary per therapist depending on licensure and education/degree status. At this time home-based services are only available for clients paying out of pocket/private pay. A home-based travel fee may be added to the base fee depending on travel logistics for the staff. These services are offered on a limited basis. Please inquire about availability.

Sliding Scale

We offer sliding scale financial options as a part of our ongoing mission to best serve our whole community. Those that have any private or commercial insurance plans are not currently eligible for sliding scale service and would be referred to our out of pocket fee. Please contact us for more information about the pricing and availability of our sliding scale services.


OUT-OF-NETWORK REIMBURSEMENT

We offer receipts of services to select families that may meet criteria for an individual mental health diagnosis (a requirement for any insurance compensation). Families can submit these receipts to their insurance company for out-of-network reimbursement. If you are hoping to be reimbursed by your insurance company, it is recommended that you contact your insurance company prior to beginning services.

For instructions on how to inquire about your out-of-network benefits, click here.

FREQUENCY OF SESSIONS

Session frequency is agreed upon between therapist and family at initial session. Weekly sessions are most often recommended. Phone sessions and consultations services are available to families outside of regularly scheduled appointments, and fees for those services are discussed during initial session.

MORE INFORMATION ON INSURANCE BILLING

Insurance companies often restrict the awesome services family therapists can provide. Most insurance companies are not up-to-date on family therapy practices and still require an individual person to carry a diagnosis and be seeking treatment. They want for the therapist to identify a single person in the family who is 'having' the problem 'for' the family. Insurance companies also report these diagnoses to the Medical Information Bureau, which may impact your or your child's ability to receive insurance benefits in the future. A mental health diagnosis is not always needed for a family to seek therapy, just like an illness is not always needed to try to improve overall health, but it is required for billing insurance. We believe that overall wellness services should be provided with encouragement for those seeking a healthier lifestyle: especially in relation to how we raise our families. We also strongly believe in providing quality services and support to our community, many of which are looking to utilize their insurance for therapy services. We are more than happy to further discuss and explore if using insurance for therapy services is right for you and your family at this time.