Billing & Insurance Policies

At Inspire, we want you to feel fully informed about the financial side of your care. Below you’ll find our billing and payment policies, designed to provide clarity and avoid surprises. These policies are also included in our Consent for Treatment documentation.

Accepted Insurances

We currently accept the following insurance plans, below. By receiving services, you agree that you are responsible for payment, not your insurance provider. If your insurance does not pay for services, the credit card on file will be charged for services. To confirm your payment responsibility, you can call your insurance provider (suggested questions you can ask are below).

  • Blue Cross Blue Shield PPO
  • BCBS Choice (not BCBS HMO)
  • UnitedHealthcare
  • Optum
  • Humana
  • Cigna
  • Aetna
  • Medicare
  • Out of Network options

If we are out of your network plan, you may still receive services as a self-pay client and use any out-of-network benefits for possible reimbursement. Payment is due at the time of service. Upon request, we can provide a Super Bill (itemized statement) that you can submit to your insurance company. Reimbursement is determined by your plan, and we recommend calling your insurance provider to confirm your out-of-network mental health benefits.

    What you may be charged

    Insurance coverage varies by plan. You can verify your mental health benefits by calling the number on the back of your insurance card. We recommend asking your insurance provider these questions before starting services:

    • Do I have mental health benefits?
    • What payment will I be responsible for?
    • Is there a limit to the number of sessions covered?
    • Do I need pre-authorization?

    If you are using insurance, you will be responsible for any amounts determined by your plan, including:

    • Copays
    • Coinsurance
    • Deductibles
    • Non-covered services

    Payment & Billing Requirements

    To receive services at Inspire Counseling Center, we require the following to remain on file at all times:

    • A valid credit card
    • Current insurance information (if using insurance)

    By receiving services, you agree that you are responsible for payment, not your insurance provider. If your insurance does not pay for services, the credit card on file will be charged for services.

    Invalid or declined credit cards

    If the card on file becomes inactive, expired, or is declined:

    • Your next appointment will be cancelled until payment is received and a valid card is updated.
    • If payment is not resolved, the appointment time may be offered to another client.

    Requesting a Super Bill or itemized statement

    If you would like a Super Bill or itemized statement after your services, you may request one from our Billing Manager.

    Billing for Services with Minors

    For clients under 18:

    • The parent/guardian who schedules services must provide a credit card on file before the first appointment.
    • Inspire Counseling Center does not contact other parents/guardians for payment.
    • Parents are responsible for following any court agreements regarding reimbursement.
    • Inspire Counseling Center will not participate in disputes regarding payment.

    Rates for Services (Self-Pay)

    If you are using insurance, you will only be charged for the amount due under your plan. Self-pay rates are listed below:

    • Therapy Intake Appointment (60 minutes): $300
    • Follow-Up Appointment (50 minutes): $185
    • Psychiatry Intake (60 minutes): $445
    • Psychiatry Follow-Up (30 minutes): $245

    Consultations (not billable to insurance)

    • 60 minutes: $185
    • 45 minutes: $140
    • 30 minutes: $95
    • 10–20 minutes: $60
    • Note: For parents wishing to consult with their child’s therapist, a parenting session may be eligible for insurance billing.

    Medical & Documentation Requests

    • Documentation request fee: $35

    Important: Consultations are not covered by insurance providers. This includes phone consultations with parents or other professionals, and documentation requested for schools, legal matters, or other services.

    Cancellation Policy

    Cancellations or missed appointments with less than 24 hours’ notice will result in a $100 charge.

    These fees will be charged to the card on file. Insurance companies do not cover missed appointment fees. This policy applies to all clinicians and medication prescribers and is not at the therapist’s discretion.

    Prescription Refill Policy

    To ensure timely refills:

    • Refill requests must be submitted at least 3 business days before medication runs out or expires.
    • Requests made within that window may be subject to a $50 urgent refill fee.
    • Please allow up to 72 business hours for refill processing (business hours do not include Saturdays or Sundays).
    • Calling multiple times within the processing period does not speed up the request.

    Important notes
    To approve refills, the patient must have an upcoming appointment scheduled with the physician.
    Physicians typically approve 90-day prescriptions only during a scheduled visit.

    Billing Problems or Past Due Accounts

    • If there is an issue with your credit card or billing, we will do our best to notify you. Services will be paused until the balance is paid in full.
    • If payment remains unresolved after reasonable attempts to address the issue, the account may be sent to a collection service.
    • If you need a payment plan, please contact our Billing Team to discuss options.

    Financial Hardship & Community Resources

    If you are unable to afford counseling services, local nonprofit organizations may offer sliding scale or reduced-cost care:

    • Youth Services of Glenview — Glenview, IL — (847) 724-2620
    • Josselyn Center — Northfield, IL — (847) 441-5600
    • Family Service Center — Wilmette, IL — (847) 251-7350
    • Samaritan Counseling Center (Northwest Suburbs) — (630) 357-2456

    Your Rights: Good Faith Estimate

    Right to Receive a Good Faith Estimate of Expected Charges
    Click here to view your “Right to Receive a Good Faith Estimate of Expected Charges.”


    Contact the Billing Team

    If you have any questions about billing or insurance, please contact us:

    📞 (847) 919-9096

    📧 billing@inspirecounselingcenter.com