INSURANCE & FEES
Therapy should feel accessible- including the financial part.
Understanding what therapy will cost shouldn’t require decoding your insurance plan on your own.
Embrace Counseling Center is in-network with several major insurance plans, and private-pay and limited reduced-fee options are also available.
If you’re not sure what your plan covers, reach out. We can help you understand your options before getting started.
INSURANCE
We’re in-network with several insurance plans.
Embrace Counseling Center is currently in-network with:
Aetna
Blue Cross Blue Shield of Illinois
Cigna / Evernorth
Optum / United Behavioral Health
Coverage can vary depending on your specific plan, even when Embrace is in-network with your insurance company.
We recommend confirming your behavioral health benefits, deductible, copay or coinsurance, and any other plan requirements before beginning therapy.
OUT-OF-NETWORK BENEFITS
Have a different insurance plan?
You may still be able to use out-of-network benefits.
For clients whose plans include out-of-network mental health coverage, we can provide a superbill that you can submit to your insurance company for possible reimbursement or application toward your out-of-network deductible.
Reimbursement is determined by your individual insurance plan and is not guaranteed.
PRIVATE PAY
Prefer not to use insurance?
Private pay is always an option.
Individual Therapy
$130 per session
Group Therapy
$40–$60 per session
Some clients choose private pay because they prefer greater flexibility around their care or don't want their therapy to be determined by insurance requirements.
When insurance isn't involved, a diagnosis generally isn't required for reimbursement purposes, and you and your therapist can make decisions about your care without needing to meet an insurance company's coverage criteria.
REDUCED-FEE THERAPY
Cost is part of the conversation, too.
A limited number of reduced-fee openings may be available.
Availability varies by therapist and may change over time. If cost would make it difficult for you to begin therapy, reach out and ask us what's currently available.
Cancellations & Rescheduling
Appointments canceled with less than 24 hours’ notice, cancellation or missed appointments are subject to a $100 fee, in accordance with Embrace Counseling Center’s cancellation policy.
Clients are allowed one cancellation or late cancellation within each 90-calendar-day period without a cancellation fee. After this one-time allowance has been used, any additional cancellation or late cancellation within the same 90-calendar-day period will result in a $100 fee. Missed appointments or no-shows are subject to the applicable $100 fee.
Clients may have the option to reschedule without a fee if the new appointment can be scheduled within 24 hours before or after the originally scheduled appointment, subject to therapist availability. Rescheduling availability is not guaranteed.
We understand that medical emergencies and unexpected life circumstances can occur. When these situations arise, clients should contact our Practice Manager as soon as possible to discuss available rescheduling options or other accommodations. Please note that contacting our office by email, phone, voicemail, or text message does not guarantee an accommodation or waiver of the applicable fee.
Cancellation, late cancellation, and no-show fees are not covered by insurance and are the responsibility of the client.
PAYMENT
Paying for your sessions
Embrace Counseling Center accepts:
Cash · Check · Debit Cards · Credit Cards · Most HSA/FSA Cards
If you plan to use insurance, your financial responsibility will depend on your individual plan and benefits.
GOOD FAITH ESTIMATE
Your rights and protections
If you are uninsured or choose not to use insurance, you may have the right to receive a Good Faith Estimate explaining the expected cost of your care under the No Surprises Act.
Not sure what your therapy will cost?
You don't need to have all of this figured out before reaching out.
Tell us a little about what you're looking for and your insurance or payment preferences. We'll help you understand your options and connect you with an Embrace therapist who may be a good fit.