Counseling is a fee-for-service program. Inspire accepts all major forms of payment.
If you’d like to use Health Insurance:
Inspire is “in-network” with Blue Cross Blue Shield PPO, BCBS Choice (Not BCBS HMO), UnitedHealthcare*, Humana, and Aetna.
For in-network insurances, we must have your insurance information and a valid credit card on file before your first appointment. As a courtesy, our Billing Manager will verify your insurance coverage prior to your appointment and let you know what the insurance provider quoted as the contracted rates (i.e., if you have a co-payment or deductible to be met). We do not bill secondary insurance.
Therapy is a commitment of time, energy, and financial resources. If you have health insurance, it is important for you to verify your mental health benefits so you understand your coverage prior to your appointment. Some insurance companies require a pre-certification before the first appointment, or they will not cover the cost of services.
It is important to note: there are times when insurance representatives misquote benefits. If your insurance does not pay for services, you are responsible for the full contracted rate. You, not your insurance company, are responsible for the payment of services. You may call your insurance company to check your benefits by calling the number on the back of the insurance card. If you receive different information then what our billing representative is told, we will call to reverify once, but we are obligated to follow the contracted rates we are given. If there is an overage of payment after the bill has been paid, we will issue the card on file a refund and adjust the rate moving forward.
If you are responsible for a copay, deductible, or private pay, your credit card on file will be debited at the time of service. We are happy to also add an HSA card to your account. Please note we do require a secondary card on file with HSA cards.
If you would like a Super Bill or itemized bill after your services, you can request one from the Billing Manager.
If your insurance provider is “Out of Network,” payment will be collected at the time of service. Our billing department can provide you with a claim to submit for reimbursement, upon request. Any reimbursements from your insurance provider will made directly to you.
*Not all therapists are in-network with UnitedHealthCare.
Valid Credit Card must be on file at all times
In order to receive services, a valid credit card is required to be on file. Payment is required at the time of service. If you wish to pay by cash or check, you must make arrangements with the Billing Manager before your first session. We will not charge the card on file at that point, as long as we have another form of payment at the time of service. However, a valid credit card on file is still required to book an appointment. All agreements regarding payment must be agreed upon by both parties, and handled before services are rendered.
We are happy to provide a receipt after the payment is received if requested. However, we do not send bills after services for payment or notify you when your card is charged.
For minors:
One parent must be responsible for all payments or copayments. Whichever parent/guardian coordinates the minor’s services must provide the credit card to keep on file before the first appointment. We will not reach out to another parent, on your behalf, to receive payment. It is up to each of the parents/guardians to follow whatever court agreement they have in terms of reimbursement and medical costs if there is any dispute.
Out of Network and Private Pay Rates:
- First Intake Appointment: $285
- All Subsequent Therapy/Family/Couples: $185
- Consultation (phone or in-person) with or on behalf of client (60 min) $185 **Not covered by insurance
- Consultation (phone or in-person) with or on behalf of client (50 min) $150 **Not covered by insurance
- Consultation (phone or in-person) with or on behalf of client(45 min) $135 **Not covered by insurance
- Consultation (phone or in-person) with or on behalf of client(30 min) $90 **Not covered by insurance
- Consultation (phone or in-person) with or on behalf of client (20 min) $60 **Not covered by insurance
Cancellation Policy
Cancellations or missed appointments without 24 hours’ notice will be subject to a full fee charge of $185, which will be charged to the card on file. Insurance companies do not pay charges for missed appointments.
Billing Problems or Issues
If we see an issue with your billing, or your credit card is no longer active or valid, we will do our best to notify you. If fees for services are not paid in a reasonable amount of time, and attempts have been made to resolve the financial matter to no avail, a client account may be sent to a collection service. Please note that all services will be suspended until accounts are paid in full.
If you see an issue or mistake regarding billing, please contact us immediately and we will do our best to correct the issue.
Financial Hardship
If you are unable to afford counseling services, we are pleased to have a Non-Profit organization, “Inspire Change for Mental Health” which is a 501C3. Thanks to our generous donors, some funds may be available to help assist you in receiving the care you need. Other reputable non-profit mental health services are also available in the community.
Youth Services of Glenview , Glenview, IL, 847-724-2620
Josseyln Center Northfield, IL, (847) 441-5600
Family Service Center Wilmette, IL (847) 251-7350
Samaritan Counseling Center Northwest Suburbs 630.357.2456
