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Policies and Fees
FEES
Session fees are $85 per 50-minute session. Payments by cash/credit card/ personal check are made at the end of each therapy session, unless other arrangements have been made.
CANCELLATION POLICY
I understand that things happen and you may need to cancel your appointment. However, our cancellation policy requires at least 24 hour notice. Should you cancel without 24 hour notice or fail to come to your appointment, you will be responsible the full session fee.
INSURANCE
INSURANCE
Empower Family Therapy staff are in network with:
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BCBS Illinois PPO plans
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Cigna Plans (all except Medicare)
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. 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.
The starting fee for ‘out-of-pocket’ therapy services is $150 per session. This covers a 50-minute session. Check out our Cheat Sheet for calling your insurance to see if our services are covered under your plan.
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.
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.