Frequently Asked Questions About Therapy

Starting therapy can feel overwhelming, especially when you do not know what to expect or how much it will cost. We have gathered the questions people ask most often, whether they are searching online, talking to friends, or working up the courage to make that first call. If you do not find your answer here, reach out to us directly. We are happy to help.

How Do I Know If I Need Therapy?

How do I know if I need therapy or if I am just going through a hard time?

The distinction between a hard time and something that needs professional support often comes down to duration, intensity, and interference with daily life. If you have been struggling for more than a few weeks, if the feelings are affecting your relationships or work, or if you find yourself using unhealthy coping mechanisms like drinking more or withdrawing from people you care about, therapy can help. You do not need to be in crisis to benefit from therapy. Many people seek counseling for personal growth, relationship patterns they want to change, or simply to have a space to process life with someone who is trained to help. Therapy is not just for people with diagnosable mental health conditions. It is for anyone who wants support navigating the complexity of being human.

What is the difference between feeling sad and having depression?

Sadness is a normal emotional response to difficult experiences and typically passes within days or weeks as circumstances change. Depression is a clinical condition characterized by persistent low mood lasting two weeks or longer, along with other symptoms like changes in sleep or appetite, difficulty concentrating, loss of interest in activities you used to enjoy, and feelings of worthlessness or hopelessness. The key differences are duration and scope. Sadness is usually tied to a specific event and lifts when you engage in enjoyable activities. Depression persists regardless of circumstances and affects multiple areas of functioning. If you are unsure which you are experiencing, a therapist can help you understand what is happening and whether treatment would be beneficial.

Can therapy help even if I do not have a mental health diagnosis?

Yes. Therapy is effective for a wide range of concerns that do not require a formal diagnosis. Many clients work with therapists on relationship patterns, career transitions, family dynamics, self esteem, stress management, grief after loss, or simply wanting to understand themselves better. You do not need to meet criteria for a specific condition to benefit from having a trained professional help you examine your thoughts, feelings, and behaviors. Some of the most meaningful therapy work happens with people who are functioning well in their lives but want to function even better or understand why they keep encountering the same obstacles.

Finding the Right Therapist

How do I find a therapist in Chicago?

Finding a therapist in Chicago starts with identifying what you need and what constraints you have. Consider whether you want in person sessions in a specific neighborhood or are open to telehealth, what insurance you have, and what issues you want to address. You can search therapist directories like Psychology Today, ask your insurance company for a list of in network providers, request referrals from your primary care doctor, or ask friends and family for recommendations. When evaluating potential therapists, look at their specialties, approach, and whether their website or profile speaks to you. Many therapists offer free consultations so you can get a sense of whether you would feel comfortable working with them before committing to a full session.

What should I look for when choosing a therapist?

The most important factor in successful therapy is the relationship between you and your therapist, often called the therapeutic alliance. Look for someone whose communication style resonates with you, who has experience with the issues you want to address, and who makes you feel heard without judgment. Credentials matter, so verify they are licensed in your state. Beyond that, consider practical factors like location, availability, cost, and whether they accept your insurance. It is completely acceptable to meet with a few therapists before deciding. A good therapist will not be offended if you choose someone else. They want you to find the right fit because they know that is what leads to the best outcomes.

What is the difference between a therapist, psychologist, and psychiatrist?

These terms refer to different types of mental health professionals with different training and capabilities. A therapist is a general term that includes licensed clinical professional counselors, licensed clinical social workers, and marriage and family therapists. They typically hold masters degrees and provide talk therapy. A psychologist holds a doctoral degree in psychology and can provide therapy as well as psychological testing and assessment. A psychiatrist is a medical doctor who specializes in mental health. Psychiatrists can prescribe medication, and while some provide therapy, many focus primarily on medication management. For most people seeking talk therapy, a licensed therapist or psychologist is the appropriate choice. If you think you might benefit from medication, a psychiatrist or a collaborative arrangement between your therapist and a prescriber may be helpful.

How do I find a therapist who specializes in what I am dealing with?

Start by identifying the primary issue you want to address, whether that is anxiety, relationship problems, trauma, depression, or something else. Then search specifically for therapists who list that as a specialty rather than those who claim to treat everything. A therapist who lists five to seven focused areas of expertise is more likely to have deep experience than one who lists twenty. Ask potential therapists directly about their experience and training related to your concern. For example, if you are seeking couples therapy, ask how many couples they have worked with and what approach they use. If you are dealing with trauma, ask if they are trained in evidence based trauma treatments. Specialists will be able to speak knowledgeably about their approach and experience.

Types of Therapy

What is the difference between individual therapy and couples therapy?

Individual therapy focuses on one person and their internal experience, thoughts, feelings, behaviors, and personal history. The goal is typically to help that person understand themselves better, develop coping skills, work through past experiences, or change patterns that are not serving them. Couples therapy focuses on the relationship between two people. The therapist works with both partners together to improve communication, resolve conflicts, rebuild trust, and strengthen emotional connection. The relationship itself is the client. Some issues are best addressed in individual therapy, others in couples therapy, and sometimes both are beneficial. If you are unsure which you need, a therapist can help you determine the best approach during an initial consultation.

What is Emotionally Focused Therapy?

Emotionally Focused Therapy, commonly called EFT, is an evidence based approach to couples therapy developed by Dr. Sue Johnson. It focuses on attachment and bonding as the foundation of healthy relationships. EFT helps couples identify negative interaction patterns, understand the emotions driving those patterns, and create new ways of connecting that meet both partners’ attachment needs. Research shows EFT is effective for approximately 70 to 75 percent of couples, with 90 percent showing significant improvement. It typically takes 8 to 20 sessions. EFT is particularly helpful for couples stuck in cycles of criticism and withdrawal, those recovering from affairs or betrayals, and partners who feel emotionally disconnected even when they are not actively fighting.

What is the Gottman Method?

The Gottman Method is an approach to couples therapy based on over 40 years of research by Drs. John and Julie Gottman. It focuses on building friendship and intimacy, managing conflict constructively, and creating shared meaning in the relationship. Gottman therapists use assessment tools to identify specific problem areas and then teach couples concrete skills like turning toward each other instead of away, softening how they bring up complaints, and repairing after arguments. The research behind this method identified specific behaviors that predict relationship success or failure, which allows therapists to target interventions precisely. Gottman Method is appropriate for couples at any stage, from those wanting to strengthen an already good relationship to those in significant distress.

What is trauma therapy?

Trauma therapy refers to therapeutic approaches specifically designed to help people process and recover from traumatic experiences. Trauma can result from single events like accidents, assaults, or natural disasters, or from ongoing experiences like childhood abuse, neglect, or domestic violence. Evidence based trauma treatments include EMDR (Eye Movement Desensitization and Reprocessing), Cognitive Processing Therapy, and Prolonged Exposure. These approaches help the brain process traumatic memories so they no longer trigger overwhelming emotional and physical responses. Trauma therapy is different from general talk therapy because it specifically targets how trauma is stored in the brain and body. A qualified trauma therapist will pace treatment carefully to avoid overwhelming you and will teach coping skills to manage distress that may arise during processing.

What is CBT?

CBT stands for Cognitive Behavioral Therapy, one of the most widely researched and effective forms of psychotherapy. CBT is based on the idea that thoughts, feelings, and behaviors are interconnected, and that changing unhelpful thought patterns can lead to changes in emotions and actions. In CBT, you work with your therapist to identify negative or distorted thinking patterns, examine the evidence for and against those thoughts, and develop more balanced ways of viewing situations. CBT also involves behavioral strategies like gradually facing feared situations or scheduling pleasant activities. It is typically structured and time limited, often 12 to 20 sessions, with homework between sessions. CBT has strong research support for treating anxiety disorders, depression, insomnia, and many other conditions.

Cost and Insurance

How much does therapy cost without insurance?

Therapy session fees vary significantly based on location, therapist credentials, and type of service. In the Chicago area, individual therapy sessions typically range from $150 to $250 per session for a 45 to 60 minute appointment. Couples therapy often costs more, typically $175 to $300 per session, because it requires specialized training and involves more complexity. These are private pay or self pay rates for clients paying out of pocket without using insurance. Some therapists offer sliding scale fees based on income, though availability is often limited. When comparing costs, also consider the therapist’s experience and specialization. A specialist who can effectively address your specific concern in fewer sessions may ultimately cost less than a generalist who takes longer to achieve results.

Does insurance cover therapy?

Most health insurance plans cover mental health services including therapy, though the specifics vary widely between plans. Coverage depends on whether you have in network benefits, out of network benefits, or both. Under the Mental Health Parity and Addiction Equity Act, insurance companies must cover mental health treatment at the same level as medical treatment. However, you may still have a deductible to meet before coverage begins, copays for each session, limits on the number of sessions per year, or requirements for pre authorization. To find out what your specific plan covers, call the member services number on your insurance card and ask about your mental health benefits, including whether you need a referral, what your copay or coinsurance will be, and whether there are any session limits.

What is the difference between in network and out of network therapists?

In network therapists have contracts with your insurance company and have agreed to accept negotiated rates for their services. When you see an in network provider, you typically pay only a copay or coinsurance after meeting your deductible, and the insurance company pays the therapist directly. Out of network therapists do not have contracts with your insurance company. You pay the full session fee upfront, then submit a claim to your insurance for reimbursement. Your out of network benefits determine what percentage you get back, often 50 to 80 percent of the allowed amount after meeting a separate out of network deductible. Seeing an in network therapist usually costs less out of pocket, but your options may be more limited. Out of network gives you more choice but typically costs more.

What does Blue Cross Blue Shield cover for therapy?

Blue Cross Blue Shield PPO plans typically cover outpatient mental health services including individual therapy, couples therapy, and family therapy when provided by a licensed mental health professional. Coverage specifics depend on your particular plan, but most BCBS PPO plans cover therapy visits with a copay after your deductible is met. Session limits vary by plan, though many PPO plans do not impose strict annual limits on outpatient therapy visits. To confirm your specific benefits, call the number on your BCBS card and ask about outpatient mental health coverage, your copay for in network providers, and whether pre authorization is required. Bergen Counseling Collective is in network with Blue Cross Blue Shield PPO, meaning your sessions will be covered at in network rates.

What is a superbill and how do I use it for therapy reimbursement?

A superbill is a detailed receipt that therapists provide to clients who pay out of pocket and want to seek reimbursement from their insurance company. It includes all the information your insurance needs to process a claim, including the therapist’s credentials and NPI number, diagnosis codes, procedure codes for the type of service provided, dates of service, and fees charged. To use a superbill, you pay your therapist directly, then submit the superbill to your insurance company along with a claim form. If you have out of network benefits, your insurance will reimburse you for a portion of the cost, typically 50 to 80 percent of their allowed amount after your out of network deductible is met. The reimbursement goes to you, not the therapist. Ask your insurance company about their claim submission process and timeline for reimbursement.

Can I use my HSA or FSA to pay for therapy?

Yes. Health Savings Accounts and Flexible Spending Accounts can be used to pay for therapy sessions because mental health treatment is considered a qualified medical expense by the IRS. You can use your HSA or FSA debit card to pay directly, or pay with another method and reimburse yourself from your account. This is true whether you are using insurance or paying out of pocket. Using pre tax dollars through an HSA or FSA effectively reduces your therapy costs by your marginal tax rate, often 20 to 30 percent. If you have an HSA or FSA with available funds, this is one of the most cost effective ways to pay for mental health care. Keep your receipts in case you need to document that the expense was for a qualified service.

What to Expect in Therapy

What happens in a first therapy session?

A first therapy session, sometimes called an intake or initial assessment, is primarily about information gathering and establishing whether you and the therapist are a good fit. Your therapist will ask questions about what brought you to therapy, your current symptoms or concerns, relevant history, and your goals for treatment. They will explain their approach and how therapy with them typically works. You will also have the opportunity to ask questions and get a sense of whether you feel comfortable with this person. It is normal to feel nervous or uncertain about what to share. A good therapist will pace the session appropriately and not push you to disclose more than you are ready to share in a first meeting. By the end, you should have a clearer sense of whether you want to continue working together.

How long does therapy take to work?

The timeline for therapy varies significantly depending on what you are working on, how long you have been struggling, and the type of treatment. Some people notice shifts in their thinking or mood within the first few sessions. Research suggests that most people show measurable improvement within 8 to 12 sessions, though this varies widely. More complex issues like long standing depression, trauma, or personality patterns typically take longer, sometimes a year or more. Brief, solution focused approaches might achieve specific goals in 6 to 12 sessions. Couples therapy often requires 12 to 20 sessions to create lasting change. Your therapist can give you a better estimate once they understand your specific situation. It is reasonable to ask early on what a realistic timeline might look like and to check in periodically about progress.

How often should I go to therapy?

Most therapy happens weekly, with sessions scheduled at the same time each week. This frequency allows enough time between sessions to practice new skills and reflect on insights, while maintaining continuity and momentum. Some people, particularly those in acute distress or working through trauma, may benefit from twice weekly sessions initially. As you make progress and develop stronger coping skills, you might transition to biweekly or monthly sessions before ending treatment. The right frequency depends on the severity of your concerns, your goals, practical considerations like schedule and budget, and what your therapist recommends based on your specific situation. This is something to discuss openly with your therapist and adjust as needed over the course of treatment.

What if I do not like my therapist?

Not every therapist is the right fit for every client, and it is completely acceptable to change therapists if the relationship is not working. Give it a few sessions if you can, since some initial discomfort is normal as you get to know someone new. However, if you consistently feel misunderstood, judged, or like the therapist is not helping after three to five sessions, it may be time to try someone else. You can simply tell your therapist it is not the right fit, and a professional will not take it personally. You do not owe a detailed explanation. The therapeutic relationship is the strongest predictor of good outcomes in therapy, so finding someone you connect with is worth the effort of trying again. Do not let one bad experience with a therapist stop you from getting help.

Is what I tell my therapist confidential?

Yes, with specific exceptions required by law. What you discuss in therapy is protected by therapist client confidentiality and cannot be disclosed without your written consent. The legal exceptions to confidentiality include situations where there is imminent danger of harm to yourself or others, suspected abuse or neglect of a child, elderly person, or dependent adult, and when records are subpoenaed by a court. Your therapist will explain these limits during your first session. Outside of these exceptions, your therapist cannot tell anyone that you are in therapy, what you discuss, or even confirm that they know you without your explicit permission. If you want your therapist to communicate with another provider, family member, or anyone else, you will need to sign a release of information form.

Online Therapy and Telehealth

Is online therapy as effective as in person therapy?

Research consistently shows that online therapy is as effective as in person therapy for most concerns, including depression, anxiety, PTSD, and relationship issues. Multiple studies comparing video based therapy to face to face sessions have found equivalent outcomes in symptom reduction, client satisfaction, and therapeutic alliance. Online therapy offers advantages like eliminating commute time, providing access to specialists regardless of location, and allowing sessions from the comfort of your own space. Some people find it easier to open up from home. However, online therapy may not be ideal for everyone. Those with severe symptoms, limited privacy at home, or technology challenges may do better in person. The best format is the one you will actually use consistently.

Do you offer telehealth therapy in Illinois?

Yes. Bergen Counseling Collective offers HIPAA compliant telehealth therapy to clients throughout Illinois. Our therapists are licensed in Illinois and can provide online sessions to anyone located in the state, regardless of which city or region you live in. This means you can access specialized therapy services even if you do not live near our Chicago office. Telehealth sessions use a secure video platform that protects your privacy and meets all healthcare privacy requirements. You will need a private space, a reliable internet connection, and a device with a camera and microphone. Many clients find telehealth more convenient than in person sessions, and our therapists are experienced in building strong therapeutic relationships through video.

What do I need for a telehealth therapy session?

To participate in telehealth therapy, you need a private space where you can speak openly without being overheard, a reliable internet connection, and a device with a camera and microphone such as a smartphone, tablet, laptop, or desktop computer. Find somewhere you feel comfortable and will not be interrupted, whether that is a bedroom, home office, or parked car. Use headphones if privacy is a concern. Test your technology before your first session to make sure everything works. Your therapist will send you a secure link to join the video session at your appointment time. Log in a few minutes early to troubleshoot any issues. Let your therapist know if you have concerns about privacy or technology so they can help problem solve.

About Bergen Counseling Collective

Where is Bergen Counseling Collective located?

Bergen Counseling Collective is located at 4525 North Ravenswood Avenue, Suite 202, in the Ravenswood neighborhood of Chicago, Illinois. The office is easily accessible from Lincoln Square, North Center, Andersonville, Uptown, and surrounding North Side neighborhoods. Street parking is available, and the office is near public transportation options including the CTA Brown Line. We also offer telehealth sessions to clients throughout Illinois who prefer online therapy or do not live near our Chicago location. Whether you want to meet in person in our comfortable Ravenswood office or connect via secure video from anywhere in Illinois, we can accommodate your preference.

What insurance does Bergen Counseling Collective accept?

Bergen Counseling Collective is in network with Blue Cross Blue Shield PPO and Aetna PPO insurance plans. If you have one of these plans, your therapy sessions will be covered at in network rates, meaning you will pay only your copay or coinsurance after meeting your deductible. For clients with other insurance plans, we provide superbills that you can submit to your insurance company for out of network reimbursement. Many PPO plans offer out of network mental health benefits that reimburse 50 to 80 percent of the session cost. We recommend calling your insurance company to verify your benefits before your first session. We also accept private pay clients who prefer not to use insurance, and we can discuss payment options during your initial consultation.

What types of therapy does Bergen Counseling Collective offer?

Bergen Counseling Collective provides individual therapy for adults dealing with anxiety, depression, trauma, grief, life transitions, self esteem, and personal growth. We offer couples therapy and marriage counseling using evidence based approaches including Emotionally Focused Therapy and the Gottman Method. Our therapists specialize in working with clients navigating relationship challenges, communication difficulties, and emotional disconnection. We provide trauma informed care for those healing from past experiences. We are an LGBTQ affirming practice and offer identity and gender affirming therapy. All services are available both in person at our Ravenswood office and via telehealth throughout Illinois.

How do I schedule an appointment at Bergen Counseling Collective?

You can schedule an appointment by completing the contact form on our website or by calling our office directly at 312 870 0500. When you reach out, we will gather some basic information about what you are looking for and match you with a therapist who fits your needs and goals. We typically schedule new clients within one to five business days depending on availability. If you have a preference for a specific therapist, in person versus telehealth, or certain days and times, let us know and we will do our best to accommodate. Your first session will be a consultation where you and your therapist get to know each other and determine whether it is a good fit to continue working together.

Still Have Questions?

We know that starting therapy involves a lot of unknowns. If your question was not answered here, please reach out. You can call us at 312 870 0500 or complete our contact form. We respond to all inquiries personally, usually within one business day. We are happy to answer questions about our services, help you understand your insurance benefits, or simply talk through whether therapy might be right for you. There is no pressure and no commitment required just to ask a question.