Read below for answers to the most frequently asked questions about insurance coverage and billing for IntraSpectrum Counseling services – including forms of payment, session fees, invoices, in-network / out-of-network insurance coverage, HMOs & much more. Click here to browse the entire collection of FAQs.

What forms of payment do you accept?

IntraSpectrum Counseling accepts major credit cards, and cash.

What are your current session fees?

Our out-of-pocket fees are:

  • Evaluation & Assessment Session: $250
  • Individual Therapy Session: $200
  • Family & Relationship Therapy Session: $225
  • Crisis Therapy Session (First 60 Minutes): $230
  • Crisis Therapy Session (Add’l 30 Minutes): $115
  • Group Therapy:
    • Group Therapy Evaluation & Assessment Session: $250
    • Group Therapy Session: $60
  • Late Cancellation – Doctoral Therapist: $160
  • Late Cancellation – Masters Therapist: $135

The hourly fee of our therapists for professional services is $200 and billed in 15 minute increments. Examples of the professional services to which the hourly fee applies, as outlined in our Informed Consent, include:

  • Telephone conversations lasting 10+ minutes
  • Consultations
  • Report Writing
  • Letter Writing*
  • Preparing and Writing Treatment Summaries
  • Attendance at Meetings w/ Other Professionals Authorized by the Client
  • Time Spent on Any Other Service Requested of Your Therapist
  • Time Spent on Legal Matters

* Time spent drafting and preparing Letters of Support for Gender Affirming Care is not charged.

Why did I get an invoice?

We provide an invoice for every appointment, including canceled or rescheduled appointments that do not have a fee. Typically, these invoices are sent the business day after your session, and one business day before we charge your card on file. If you have questions, concerns, or would like to discuss your invoice, please email Client Services (help@intraspectrum-chicago.com) so that we can help you. We strongly encourage you to copy your therapist on this email.

Which name displays on my invoices: my preferred name or my legal name?

Both your legal name and preferred name are used. Invoices are addressed to / created in your legal name, as it must match what’s on file with your insurance company. In a separate field on the invoice, preferred name displays as “Client:”. Both of these fields are hard-coded and we are not able to change the information that displays. If your concern surrounding this issue is due to needing to submit an out-of-network insurance claim yourself, please contact us at help@intraspectrum-chicago.com for assistance. What you need for this situation is called a “super bill”, not an invoice, and we are happy to provide one to you.

My appointment was canceled or rescheduled. Why did I receive an invoice?

We provide an invoice for every appointment, including canceled or rescheduled appointments that do not have a fee. Typically, these invoices are sent the business day after your session. If you have questions, concerns, or would like to discuss your invoice, please email Client Services (help@intraspectrum-chicago.com) so that we can help you. We strongly encourage you to copy your therapist on this email.

Do you offer sliding scale fees?

Yes. We are committed to making therapy accessible and affordable. We have a robust Sliding Scale Program to meet this commitment. Click here for details on the Sliding Scale Program.

Do you accept Insurance?

Yes. We are an in-network provider for the below insurance plans:

  • Aetna
  • Ambetter
  • BlueCross BlueShield Blue Choice
  • BlueCross BlueShield Blue Options
  • BlueCross BlueShield PPO
  • Cigna/Evernorth (Not Accepting New Clients)

We accept UnitedHealthcare as an out-of-network provider. We are not in-network for UnitedHealthcare. We process and submit your claims using your out-of-network benefits. For example, if you have UnitedHealthcare, you will pay the full out-of-pocket cost of your session until you meet your out-of-network deductible. When you meet your out-of-network deductible, your per session cost will be your out-of-network coinsurance or copay.

If you are covered by a different insurance carrier, you may have out-of-network benefits. If you have out-of-network benefits, we will process and submit your claims using your out-of-network benefits. You will pay the full out-of-pocket cost of your session until you meet your out-of-network deductible. When you meet your out-of-network deductible, your per session cost will be your out-of-network coinsurance or copay.

If you have an HMO or a different insurance that does not have out-of-network benefits, you may qualify for our Reduced Rate Program based upon your household income and household size. Please click here for more information about our Reduced Rate Program.

As a courtesy, during the new client intake process, our Client Services will verify your outpatient mental health benefits and eligibility, including deductibles, co-pays, co-insurance, out-of-pocket maximum, and yearly session limits. Please remember that you are ultimately responsible for knowing and confirming your health insurance coverage benefits and information, and our courtesy verification is not a guarantee.

Please contact our Client Services team if you have any questions.

I have an HMO. Do you accept any HMO plans?

No. We are out-of-network for all HMO plans. Additionally, HMO plans do not have out-of-network benefits. If you have an HMO, you are responsible for the full out-of-pocket cost of your sessions, unless you qualify for our Reduced Rate Program based upon your household income and household size. Please click here for more information about our Reduced Rate Program.

I don't know if my insurance plan is an HMO or PPO. How do I figure out which one I have?

As part of the initial inquiry process, our Client Services team will also verify your outpatient mental health coverage, and whether there may be a deductible, co-pays or co-insurance, and/or yearly session limits. Please remember that we recommend you always call your insurance carrier to verify your coverage and benefits as well.

I have out-of-network insurance. May I still be seen by a therapist at IntraSpectrum Counseling?

Yes.

We accept UnitedHealthcare as an out-of-network provider. We are not in-network for UnitedHealthcare. We process and submit your claims using your out-of-network benefits. For example, if you have UnitedHealthcare, you will pay the full out-of-pocket cost of your session until you meet your out-of-network deductible. When you meet your out-of-network deductible, your per session cost will be your out-of-network coinsurance or copay.

If you are covered by a different insurance carrier, you may have out-of-network benefits. If you have out-of-network benefits, we will process and submit your claims using your out-of-network benefits. You will pay the full out-of-pocket cost of your session until you meet your out-of-network deductible. When you meet your out-of-network deductible, your per session cost will be your out-of-network coinsurance or copay.

If you have an HMO or a different insurance that does not have out-of-network benefits, you may qualify for our Reduced Rate Program based upon your household income and household size. Please click here for more information about our Reduced Rate Program.

Please contact our Client Services team if you have any questions.

I have out-of-network insurance. Will you submit a claim for reimbursement on my behalf?

Yes.

If you are covered by an out-of-network insurance plan, such as UnitedHealthcare, you may have out-of-network benefits. If you have out-of-network benefits, we will process and submit your claims using your out-of-network benefits. You will pay the full out-of-pocket cost of your session until you meet your out-of-network deductible. When you meet your out-of-network deductible, your per session cost will be your out-of-network coinsurance or copay.

If you have an HMO or an out-of-network insurance plan that does not have out-of-network benefits, you may qualify for our Reduced Rate Program based upon your household income and household size. Please click here for more information about our Reduced Rate Program.

Please contact our Client Services team if you have any questions.

How do I update my insurance information?

If you have new insurance information, please inform Client Services (help@intraspectrum-chicago.com) and your therapist by email. Please attach a picture of the front and back of your insurance card to the email. Once we receive your new insurance information, we will update it in our system and send you information about any changes to eligibility, benefits, and session fees.

It is your responsibility to make sure that we have the most current and accurate insurance information. If your insurance information is inaccurate, you may be financially responsible for the full session fees. This can result in a sudden and very large balance if insurance claims for multiple sessions are denied/rejected or if you are now using an out-of-network insurance (see FAQ above for more information about out-of-network insurance). Consequently, we strongly encourage you to communicate any anticipated changes to your insurance as soon as you are aware of them. Insurance changes cannot be made through the Client Portal.

What happens if I haven't paid my bill?

For unpaid balances older than 30 days, IntraSpectrum Counseling reserves the right to send balances to a collection agency (click here for our Informed Consent). Before sending to collections, we make several attempts to reach you and facilitate payment. If you would like to set up a payment plan for an unpaid balance, please communicate with us by emailing help@intraspectrum-chicago. Clients who communicate and set up a payment plan will not have their balances sent to collections.

How can I get a copy of my invoice or a “superbill” to submit to my insurance carrier?

You can get a copy of your IntraSpectrum Counseling invoice (or a “superbill” to submit to your out-of-network insurance carrier for reimbursement) while you are on the Client Portal to pay the invoice.

You can only access a copy of your invoice or superbill using the client portal if you have not already paid the invoice. Instructions for printing an unpaid invoice or superbill on your Client Portal are below, or click here for more info. If you have already paid the invoice and want or need a copy of an invoice or superbill, please contact Client Services at help@intraspectrum-chicago.com.

Printing an Unpaid Invoice Being Paid on the Portal

Once you’re logged into the Client Portal you will be able to see a balance due and the “Make A Payment” option, in the black bar at the top of the page.

  • Click “Make a Payment”
  • Navigate to the invoice you wish to print and select “Invoice” from the Print drop-down
  • A PDF version of the Invoice will open that you can either save or print

Printing a Superbill for an Unpaid Invoice Being Paid on the Portal

Once you’re logged into the Client Portal, you will be able to see a balance due and the “Make A Payment” option in the black bar at the top of the page.

  • Click “Make a Payment”
  • Navigate to the invoice you wish to print and select “Superbill” from the Print drop-down
  • A PDF version of the Superbill will open that you can either save or print

NOTE: Please remember that if want a copy of your invoice or superbill for a session that you’ve already paid, please contact Client Services at help@intraspectrum-chicago.com.


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