Payment & Insurance Information
In-Network Insurance Coverage
We must have your insurance information and a valid credit card on file before your first appointment. Our billing team will verify your insurance coverage and communicate with you about your provider’s coverage and if you have a deductible to meet or a co-pay so that you understand your financial obligation to our services.
While we will verify coverage through our billing company, it is also important that you call your insurance company and understand your coverage as well. This can be done by calling the number on the back of your insurance card and speaking with a representative. Some insurance companies may require prior authorization before your first appointment; it is your responsibility to understand your insurance coverage for mental health services. Some helpful questions to ask your provider:
- Do I have mental health benefits?
- What is my copay/coverage amount for outpatient therapy sessions for both in-network and out-of-network providers?
- What is my deductible and has it been met?
- How many sessions per year does my health insurance cover?
- Is approval required from my primary care physician?
- Are telehealth services included?
Please note that if your insurance company misquotes your benefits (it does happen!) and does not pay for services, you are responsible for the total contracted rate for therapy services.
We will utilize the credit card on file for any co-pay, deductible, or private pay fees.
In Network Providers:
- UnitedHealthcare
- Cigna
- Oxford Health Plans
- Aetna
- UMR
- Oscar
- UHC Student Resources
- Harvard Pilgrim
- Meritain
- Nippon
- BCBS-IL PPO
- BCBS-IL
Out-Of-Network Insurance Coverage
If your insurance provider is Out-of-Network, you will be required to pay the total private pay rate at the time of your appointment. We can provide you with a monthly Superbill, which you can submit to your insurance company for possible reimbursement. Please note that your insurance company will make any reimbursements directly to you.
Private Pay
A valid credit card must be kept on file at all times. This card will be used to collect payment at the time of your services.
Private Pay rates are as follows:
Therapy Sessions (no more than 60 mins): $145
*Additional time beyond 60 mins will be billed in 15 min increments using the hourly rate
Payment is due at the time of service.
In the event that a scheduled appointment time is missed or canceled less than 24 hours in advance, please refer to the Cancellation policy below.
Total Wellness Partners charges the hourly rate in quarter hours for phone calls over 10 minutes, email correspondence, reading assessments or evaluations, writing assessments or letters, and collaborating with necessary professionals (with your permission) for continuity of care. All costs for services outside of the session will be billed using the credit card on file after an invoice has been provided.
Cancellation Policy:
You are responsible for attending each appointment and agree to adhere to the following policy: If you cannot keep the scheduled appointment, you MUST notify our office to cancel or reschedule the appointment before 24 hours of the scheduled appointment time. If you provide less than 24 hours’ notice for cancellation of your appointment, your credit card on file will be charged the total private pay rate of $145. Please note that insurance providers will not pay for cancellations; the client is responsible for the total rate.
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Our Approach
We believe therapy should be a true partnership where two people work together to solve challenges.
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Please feel free to reach out to us directly with any questions you may have.