Wheaton Therapists - Pricing & Insurance — Evergreen Counseling

Pricing & Insurance

Let’s Get You Started

If you don’t see your insurance below or aren’t sure what kind of coverage you have, call your insurance company by using the number on the back of your card, and check out this list of questions to ask your insurance provider.

  • All of our staff therapists are in network with Blue Cross Blue Shield PPO plans. Most (not all) of our clinicians are also in network with Aetna PPO and CIGNA PPO. A few clinicians are also in network with United Healthcare. (See “Our Therapists” page to identify which clinician is in network with your plan). All other plans, including all HMO plans, or Medicaid/Medicare plans are considered “out of network”.

    With in network insurance, your fees could be as low as a $0/session. If you have a deductible to meet, you may pay a flat fee or a percentage of the contracted rate. It depends on your mental health coverage. Every plan is different. Contact our office for details on your personal coverage.

  • Some of our therapists are in network with United Healthcare. If the therapist you are interested in seeing for your therapy needs is not in network with UHC, your plan would be considered “out of network.” You then can be on a waiting list for an in network clinician that is in network with UHC or you may choose to see our intern at a sliding scale/reduced rate.

    With in network insurance, your fees could be as low as a $0/session. If you have a deductible to meet, you may pay a flat fee or a percentage of the contracted rate. It depends on your mental health coverage. Every plan is different. Contact our office for details on your personal coverage.

  • If you are looking to use your “out of network” benefits, we can submit your claims and you would be charged your out of network rate for sessions. Call your insurance company and verify what these rates would be, or our billing department can verify these benefits on your behalf.

  • Some clients prefer to keep their mental health services private and separate from their insurance coverage. First session: $190/session; all subsequent sessions are $150/session. This is a cash rate, no insurance rates applied.

  • Sliding scale sessions are available with our counseling clinical intern. Additionally each of our therapists retains one sliding scale client per year.

    Clients with no insurance, or plans other than BCBS PPO, Cigna PPO and Cigna such as BCBS HMO, UHC or Medicaid/Medicaid can take advantage of the sliding scale program for a flat rate of $50/session. If $50/session is not affordable, please contact us and request a hardship application, and your affordable rate will be reviewed and approved.

Questions For Your Insurer

  • Are “outpatient behavioral health services” covered under my insurance plan? (This is the phrase that is commonly used to identify outpatient therapy sessions.)

  • Do I need pre-authorization before I see a mental health professional?

  • Do I have a deductible for mental health services? What is my deductible?

  • Are there co-payments or co-insurance for services?

  • Is there a limit to how many visits are covered under my plan?

If your coverage is out of Network ask…

  • What are my out-of-network mental health benefits?

  • Do I have a deductible? If yes, what is my coverage after my deductible is met? How much will I pay per session out of pocket after my deductible is met?

  • Do I require pre-authorization to use my out-of-network mental health benefits?

Questions? Don’t hesitate to reach out.