We know that insurance can be confusing. We will help.
Can I use my insurance?
More than likely! Therapists at Hawthorne Tree Psychotherapy are paneled with some of the major insurers in the Chicagoland area.
- Aetna HMO/PPO*
- Blue Cross Blue Shield PPO
- Blue Choice PPO
- Medicare Part B*
- United Health Care/Optum
It is important to check with your insurance company to be sure that we are in network. We will do this for you before your first visit to ensure you are making an informed decision about the cost of services.
*not all therapists are paneled, you can use out of network benefits if your therapist is not in network.
We are not paneled Medicaid or associated plans at this time.
What will therapy cost, if I have insurance?
Each policy is different. We will look into the specifics of your plan and report back your estimated cost so you can make an informed decision about scheduling.
What do all of these insurance words mean?
Premium – the amount that you (or your employer) pays to the insurance company so you will have coverage.
Plan or Policy – the specific coverage that you have for health care services.
Deductible – the amount you have to pay before your insurance benefits apply. For some policies, the deductible does not apply for mental health services, and for others it does.
Copayment – usually a fixed amount that is required at each session.
Coinsurance – usually a percentage of the cost of the session.
Out of Pocket Maximum – once you spend this amount on medical services (as defined by your plan), insurance pays 100% of your costs.
Network – a therapist is in network (INN) if they have a contract with an insurance company to provide services.
What if I have a high deductible?
If your therapist is in network with your insurance, you will pay the amount that we contract with that insurer until your deductible is met.
If your therapist is out of network, then you will pay our full fee each session. When your deductible is met, your insurance may reimburse you part of the fee you paid us.
Do you bill insurance for me?
If we are in network, we will bill (send claims) your insurance for you.
If we are out of network, we will assist you in submitting claims.
What are your Fees?
group (per person) $75
individual follow up $160
group (per person) $50
for gender confirmation & transition-related surgery consultation & letter $150