Rates
Insurance
I am in-network with:
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Blue Cross Blue Shield PPO
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Blue Choice PPO
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Aetna PPO
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Optum/United Healthcare Plans
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Humana/Choicecare Network PPO
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Health Alliance Medical Plans
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Self-Pay Rates:
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Initial Intake/Evaluation - $220
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45-60 minute therapy session - $190
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Reduced fee rates may be a possibility depending on availability and can be offered on a time limited basis to those with financial need. Please feel free to reach out if interested in this option.
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Out-Of-Network (OON)
Insurance Benefits
Not everyone knows they can still work with a therapist who doesn't take their insurance and potentially get reimbursed for some or all of the cost. This will help break down how to use Out-of-Network (OON) benefits. Remember that insurance plans vary, so it's crucial to check directly with your insurance provider to understand your specific coverage and that this guide is a general resource.
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1) Check with your insurance
Grab your insurance card and call the customer service number. Ask:
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Do I have Out-of-Network benefits for psychotherapy?
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What's my OON deductible, and how much have I already paid towards it?
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What percentage of the therapy fee will I get reimbursed?
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Are there limits on how many sessions I can claim?
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What paperwork do I need to submit a claim?
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2) Pay therapist directly
You will be responsible for payment of the full fee at time of service. ​
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3) Get a superbill
A superbill is a detailed receipt with information that includes:
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Name, license info, and NPI number
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Diagnosis and treatment codes
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Session dates and costs
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4) Submit your claim
Follow your insurance company's claim process - most have an online portal to upload the superbill.
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5) Receive your reimbursement
How much you get depends on your plan. ​
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It's a little extra work, but it helps make therapy more affordable! There are services like Reimbursify, Thrizer, Mentaya, etc. that can help you with OON filing for a small fee.
Common
OON Questions
What if my claim is denied?
Don’t panic—call your insurance provider to find out why. Sometimes, providing extra paperwork from your therapist can fix the issue.
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Do I have separate deductibles for in-network and out-of-network?
Often, yes. For example, you might need to meet a $500 deductible for in-network care but $1,500 for out-of-network care.
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How long does reimbursement take?
It varies, but most insurance companies process claims in a few weeks to a month.
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How much will I get reimbursed?
Your insurer decides on a "maximum allowed amount" for therapy and reimburses a percentage of that—not your therapist's full fee. For instance, if the therapy charge is $200, and the allowed amount is $120 with 80% coverage, you’d get back $96. Coverage varies, so check your plan for details.
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Can I use HSA or FSA funds for therapy?
Yes! I am to accept Health Savings Account (HSA) or Flexible Spending Account (FSA) payments, which use pre-tax dollars to lower your costs.
Good Faith Estimate
Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges. You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
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You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
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Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
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If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
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Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises
CONTACT US
Free 15 minute consultation
If you are interested in getting started with therapy at Great Winds Counseling, please complete the request form linked below to schedule a free 15 minute consultation. We will do our best to respond to your inquiry within 24 hours.
PHONE
(309) 220-8544
SERVING STATES
Illinois
Florida
Virginia
