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.
There are times when insurance misquotes benefits. In the event of a misquote, you are responsible for the amount reported after claims are submitted. If your insurance does not pay for services, you are responsible for the full contracted rate. Your credit card will not be charged until we receive the claims from your insurance provider. However, please know 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.
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.
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 be made directly to you.
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 or superbill, upon request. We will not automatically send a bill or notification in advance. By receiving counseling services, you agree to pay at the time of your service.
The parent or guardian who coordinates the child’s services must provide the credit card to keep on file before the first appointment. One parent must be responsible for all payments or copayments with a credit card on file. We will not reach out to another parent, on your behalf, to receive payment. It is up to the parents to follow whatever court agreement they have in terms of reimbursement for medical costs. We will not be involved in any disputes.
Rates for “Out of Network” and Private Pay:
Inspire is in-network with BCBS PPO, BCBS Choice, UnitedHealthcare, Humana and Aetna. You will be responsible for whatever your negotiated copay/deductible with each insurance company, according to your plan.
(Therapy) First Psychotherapy Intake Appointment (60 minutes): $285
(Therapy) All psychotherapy subsequent Appointments (50 minutes): $185
Consultation (phone or in-person) with/on behalf of client or documentation requests (60 min) ** $185
Consultation (phone or in-person) with/on behalf of client or documentation requests (45 min) ** $140
Consultation (phone or in-person) with/on behalf of client or documentation requests (30 min) ** $95
Consultation (phone or in-person) with/on behalf of client or documentation requests (10-20 min) ** $60
** Note covered by insurance providers. Phone consultations with parents, consultations with Social Workers, School personnel, Doctors, and other professionals and/or creating documentation for schools, legal and other services are not covered by insurance. Inspire provides these services for the fees above, upon request of the client. **
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. This is a company policy and not at the therapists’ discretion. If you have any billing questions, please contact our Billing Team at [email protected] or (847) 919-9096 ext 2. Please know, cancellation and rescheduling policies are in an effort to be able to best serve you and many others in the community for many years ahead. Thank you for trusting Inspire to be part of your support team. We are grateful for the chance to serve you and your family.
Refill requests must be sent 3 business days prior to running out / expiring or be subject to a $50 urgent refill fee. Up to 72 hours (business hours do not include Saturdays or Sundays) is required for prescription refills, from the time our office receives the pharmacy request. Multiple calls within the 72 hour time frame does not ensure that the prescription request will be processed in a timelier manner. In order for the physician to approve the refill request, the patient must have an upcoming appointment scheduled with the physician. If an appointment has not been scheduled, there will be a prescription refill delay. Physicians will only approve 90-day prescriptions at the time of the patient visit.
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. Services will be paused until the account has been paid in full.
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. If you see an issue or mistake with your billing, please contact us immediately at [email protected] or (847) 919-9096 x2 and we will do our best to correct the issue.
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.