Rates & Insurances

Counseling is a fee for service program. Inspire accepts all major forms of payment.

Inspire is “in network” with BlueCross BlueShield (BCBS), United Behavior Healthcare (UBHC) and Humana insurances. For those insurances, we use their contracted rates. We also can submit to “out of network” for other insurances.

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 precertification before the first appointment or they will not cover the cost of services.We are happy to assist you by having our Billing Manager file claims to your insurance company on your behalf. However, you, not your insurance company, are responsible for payment of the fee for therapy.

In order to receive services, a valid credit card is required to be on file. If you wish to pay by cash or check, we will not charge the card on file. However, a credit card is still required in order to secure an appointment.

Our current fees are as follows:

BCBS PPO, BCBS Choice, UnitedHealthcare, Humana (the negotiated rate with each insurance company)
First Intake Appointment (60 minutes): $185
All Subsequent Therapy/Family/Couples: $140
Phone consultation with client/ on behalf** (45 min) $90
Phone consultation with client/ on behalf** (30 min) $60
Phone consultation with client/on behalf ** (20 min) $30
**Not covered by insurance

These fees are reviewed annually and an increase of $5 per year applies to our rates every January 1.

Cancellations or missed appointments without 24 hours notice will be subject to full fee charge of $140, which will be charged to the card on file. Insurance companies do not pay charges for missed appointments.

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. In addition, we do not bill secondary insurance.

We check insurance benefits as a courtesy for our clients. There are times when insurance misquotes benefits. In the event of a misquote, clients are still responsible for their copay/coinsurance/deductible amount that insurance reports after claims are submitted. Clients can call their insurance company to check their own benefits as well by calling the number on the back of their insurance card.

For minors:

One parent must be responsible for all payments or copayments. One parent’s credit card must be on file. It is up to each of the parents to follow whatever court agreement they have in terms of reimbursement and medical costs if there is any dispute. We will not reach out to the other parent to receive payment.

If you have any questions, please contact our Billing Manager, Krishma, at (847) 919-9096 ext 2 or billing@inspirecounselingcenter.com

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