Bergen Counseling Collective is in-network with BCBS PPO, Aetna PPO, UBH PPO, and Cigna PPO for individual therapy, couples counseling, and trauma therapy at our Ravenswood office and via telehealth across Illinois. We also offer self-pay options with transparent pricing.
In-Network Insurance Plans We Accept
We are contracted, in-network providers with four major PPO insurance plans in Illinois. When you use in-network benefits, your cost is typically limited to your plan's copay or coinsurance after your deductible has been met.
Blue Cross Blue Shield PPO covers individual therapy, couples counseling, and family therapy sessions. Most BCBS PPO members in Illinois pay a copay between $20 and $50 per session, though your exact cost depends on your specific plan and deductible status. You can verify your BCBS PPO benefits through the Blue Cross Blue Shield of Illinois member portal.
Aetna PPO covers individual and couples therapy sessions at Bergen Counseling Collective. Aetna PPO plans typically include mental health parity coverage, meaning your therapy benefits should be comparable to your medical benefits. Verify your Aetna coverage through the Aetna member portal.
United Behavioral Health (UBH) PPO, administered through Optum, covers individual and couples therapy at our practice. UBH PPO is the behavioral health component of many United Healthcare plans. You can check your UBH benefits through the United Healthcare member portal.
Cigna PPO covers therapy sessions with our licensed clinicians. Verify your Cigna benefits and confirm in-network status through the Cigna provider directory.
We do not accept HMO plans, Medicare, or Medicaid. If your plan is not listed above, you may still be able to see us using out-of-network benefits or self-pay.
What You Will Pay With Insurance
Your out-of-pocket cost for therapy depends on three factors: your copay, your deductible, and your coinsurance rate. Before your first session, our billing coordinator verifies your benefits and provides a clear estimate of what you can expect to pay so there are no surprises.
For most in-network PPO clients, a typical therapy session costs between $20 and $60 out of pocket once the deductible has been met. If your deductible has not been met, you may pay the full contracted rate until it is satisfied, at which point your copay or coinsurance kicks in.
If you are unsure what your plan covers, contact us and we will check your benefits for you before scheduling.
Self-Pay and Out-of-Network Options
If you do not have insurance, prefer not to use insurance, or have a plan we are not in-network with, we offer self-pay rates for all therapy services. Please call us at (312) 870-0500 or complete our contact form to learn about current self-pay rates.
We accept HSA (Health Savings Account) and FSA (Flexible Spending Account) payments for all therapy services.
For clients with out-of-network PPO plans, we provide monthly superbills that you can submit to your insurance company for potential partial reimbursement. Many PPO plans reimburse 50% to 80% of the session cost for out-of-network mental health providers. Your insurance company can tell you your specific out-of-network reimbursement rate. The No Surprises Act requires us to provide a Good Faith Estimate of expected charges to all uninsured and self-pay clients before treatment begins.
Sliding scale fees may be available based on financial need. Ask about availability when you contact us.
How to Get Started
We offer a free 15-minute phone consultation so you can ask questions, learn about our approach, and determine whether Bergen Counseling Collective is a good fit. During the consultation, we can also walk through your insurance benefits and provide a cost estimate.
Our licensed therapists provide therapy in person at our Ravenswood office at 4525 N Ravenswood Ave, Suite 202, Chicago, IL 60640 and via secure telehealth for clients anywhere in Illinois. We offer appointments Monday through Friday from 9am to 9pm and Saturday from 9am to 5pm.
To schedule, call (312) 870-0500 or book online.
Frequently Asked Questions About Therapy Costs
Does insurance cover couples counseling?
Yes. All four of our in-network PPO plans (BCBS, Aetna, UBH, and Cigna) cover couples counseling when billed under a qualifying diagnosis. Our billing team handles the claims process for you.
Do you accept Blue Choice PPO?
Blue Choice PPO is part of the BCBS PPO network in Illinois. Yes, we accept it.
How long is a therapy session?
Standard individual therapy and couples counseling sessions are approximately 50 minutes.
Can I use my HSA or FSA to pay for therapy?
Yes. Therapy is an eligible expense under both HSA and FSA plans. We accept HSA/FSA cards as payment.
What if I need to cancel an appointment?
We require 24 hours notice for cancellations. Late cancellations and missed appointments are subject to a fee that cannot be billed to insurance.