Fee Policy
The therapists at the Chicago Cognitive Behavioral Treatment Center do not participate in any insurance networks; however, many health insurance policies (with the exception of Medicare and Medicaid) partially or fully reimburse the services of an out-of-network licensed therapist. Clients are provided with a statement that includes all information that insurance companies require to process out-of-network claims. It is suggested that you verify that your benefits prior to beginning treatment, including coverage of out-of-network providers, should you decide to submit statements for reimbursement.
The therapists at the Chicago Cognitive Behavioral Treatment Center charge for their professional time. Fees are based on a 45-minute time block and prorated correspondingly for longer and shorter duration services. All services related to a case (including, but not limited to, office sessions, scheduled and unscheduled phone sessions, requested report writing or documentation, travel time, professional consultation) are prorated and billed at the same rate with the exception of the initial consultation session, which is charged at a slightly higher rate. Cancellations within 24 hours of appointment time are charged, except in the case of emergency. Payment is expected at the time of the service. For payment, we accept cash, check, and major credit cards.
Clients will receive billing statements every month for all sessions occurring the previous month. If you have an outstanding balance, payment is due within 30 days of the statement date. For each month payment is past due, you will be responsible for a late fee.
Rights to a Good Faith Estimate
The “No Surprises Act” (the Act), allows for patient financial protections that impact health plans, physicians, and facilities.
The “No Surprises Act” is a requirement to provide a good faith estimate (GFE). Health care providers will be required to give new and established patients who are uninsured, or self-pay, or patients who are shopping for care, a good faith estimate of costs for services that they provide.
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 clients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
- 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.
- Your health care provider shall provide you a Good Faith Estimate in writing prior to your medical service or item. You can also ask your health care provider and any other provider you choose (to work with), for a Good Faith Estimate during scheduling.
- If you receive a bill that is substantially higher than estimated on (more than $400 than) your Good Faith Estimate, you can dispute the bill.
- It is a good idea to save a copy of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
Cancellations
Appointment times are reserved especially for you. Missed appointments interfere with therapeutic momentum and can lessen the effect of therapy. It is understood that occasional circumstances may arise that necessitate a canceled appointment. In these events, 24 hours notice is required so that your appointment time can be offered to another person. Except in the case of emergency, cancellations without 24 hours notice are charged at the standard rate. Strategies to minimize frequent missed appointments may be generated with your therapist.
Between-session Availability and Emergency Coverage
Our treatment philosophy includes an expectation of growing independent practice of therapy skills. Therefore, we encourage clients to attempt practice of strategies learned in treatment prior to contacting their therapist for support. However, we also encourage between-session consultations if this additional contact would further therapeutic progress, for example, if a client becomes overwhelmed by OCD rituals and needs support to resist the urges and practice exposures instead. We will respond to between-session phone calls as soon as we are available. We are not able to be on-call for emergencies or provide ongoing crisis management. In the latter case, we will refer to a more appropriate treatment center. Phone consultations are billed at the standard rate.