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?

The hourly fee of our therapists is $185. If you and your therapist meet more than the usual time, you will be charged accordingly. In addition to weekly appointments, we charge this same hourly rate for other professional services you may need, though we will prorate the hourly cost for work for periods of less than one hour in quarter of an hour increments. Other professional services include report writing, telephone conversations lasting longer than 15 minutes, attendance at meetings with other professionals you have authorized, preparation of treatment summaries, and the time spent performing any other service you may request of your therapist or ISC.

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 do. IntraSpectrum Counseling is committed to making therapy accessible and affordable, and our Sliding Scale Program is one way we do that. Sliding Scale helps us offer individual, relationship, family, and group therapy at a reduced fee based on income for qualifying individuals, making affirming mental health services possible for people who might not otherwise be able to access them. Click here for details on the sliding scale program, and information on how to apply.

Do you accept Insurance?

IntraSpectrum Counseling is an In-Network Provider for Blue Cross Blue Shield of Illinois (BCBSIL) PPO, Blue Choice Illinois insurance plans, Aetna, Anthem and Cigna. As part of the Intake process, our Client Services will verify your outpatient mental health coverage, whether there may be a deductible, co-pays, or co-insurance, and if there are yearly session limits. This information will be given to you before your first session. We will also submit all In-Network claims to BCBSIL PPO, Blue Choice, Aetna, Anthem and Cigna for you and follow up with BCBSIL, Aetna, Anthem or Cigna regarding any billing issues.

If you are covered by a different insurance carrier, you may still be eligible for Out-of-Network coverage at IntraSpectrum Counseling, but the process and reimbursement rates are different. As a courtesy to potential and current clients, we will also verify Out-of-Network benefits and provide you with this information prior to your first session. You would be responsible for paying our fee at the time of your session. In an effort to make your therapy experience as stress-free as possible, our Client Services is also able to submit a “superbill” (a receipt with diagnostic codes and dates of service) to your insurance company to facilitate reimbursement upon request. Once the insurance company processes the claims, they would then send reimbursement directly to you at whatever rate your out of network benefits stipulate. The amount of reimbursement you can expect depends entirely on your specific plan, whether you have a deductible to meet, the amount of that deductible if you do have one, etc., and it may not be possible to determine the amount of reimbursement you will receive until after the first session(s) begin to process.

Please contact us for questions about insurance, reimbursement, or reduced fee options.

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

Currently, no, we do not work with any HMO health insurance plans. All HMO plans are out-of-network insurance plans.

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, you may. Currently, we are in-network with Blue Cross Blue Shield PPO, Blue Cross Blue Shield Blue Choice PPO, Aetna and Cigna. If you have a different insurance carrier, we are an out-of-network provider for your health plan.

Individuals with out-of-network insurance may be seen by one of our therapists. You are responsible for paying the full session fee at time of service. As a courtesy, we process and submit all out-of-network insurance claims for our clients for reimbursement by their insurance carrier. The reimbursement check will be sent directly to you by your insurance carrier.

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

Yes, we will, but the process is different than for in-network insurance reimbursements. Individuals with out-of-network insurance who are seen by one of our therapists are responsible for paying the full session fee at time of service. As a courtesy, we process and submit all out-of-network insurance claims for our clients for reimbursement by their insurance carrier. The reimbursement check will be sent directly to you by your insurance carrier.

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.


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