Rates & Insurance for Online Therapy in Chicago & Illinois
Investing in your mental health is one of the most meaningful choices you can make—for your well-being, your relationships, and your future.
We also understand that finances can feel stressful or confusing, especially when you’re already carrying a lot. That’s why we aim to make therapy costs, insurance, and payment options as clear, transparent, and supportive as possible.
At Mindful Healing Counseling, we provide online therapy in Chicago and across Illinois that is flexible, client-centered, and accessible—because support shouldn’t feel out of reach.
Insurance Accepted for Therapy in Chicago & Illinois
We are currently in-network with the following insurance plans:
✔ Blue Cross Blue Shield (BCBS) PPO
✔ Blue Choice PPO
✔ Aetna
If you have one of these plans, your sessions may be covered in full or in part depending on your specific benefits, copay, and deductible.
Coverage varies by plan, so we always recommend confirming your benefits. We’re also happy to help walk you through this process.
Please note: We do not accept Medicaid plans at this time.
We accept credit/debit cards, HSA, and FSA for all sessions.
How to Check Your Therapy Insurance Benefits
Insurance can feel complicated—but you don’t have to navigate it alone.
Here are a few helpful questions you can ask your insurance provider when checking your mental health coverage:
Do I have coverage for outpatient mental health therapy?
What is my copay or coinsurance per session?
Have I met my deductible yet?
How many sessions are covered per year?
Do I need pre-authorization or a referral?
If this feels overwhelming, just reach out. We’re happy to help you understand your benefits and next steps.
Out-of-Network Therapy Options in Illinois
If we’re not in-network with your insurance plan, you may still be able to work with us.
Many PPO plans offer out-of-network benefits, which means you could be reimbursed for part of your therapy cost. We provide a superbill to support this process.
If you’re unsure how out-of-network therapy works or whether it’s an option for you, we’re here to explain it in a clear, supportive way.
Therapy Session Fees
Session fees vary by clinician based on experience and specialization.
Individual Therapy
Intake Appointment: $200–275
55-Minute Session: $150–250
Couples & Family Therapy
Intake Appointment: $225–300
55-Minute Session: $200–275
Sliding Scale Therapy Availability
We understand that finances can be a real concern.
When available, sliding scale spots may be offered based on financial need and clinician availability. We believe everyone deserves access to affordable online therapy in Chicago and throughout Illinois that meets them where they are.
To learn more about current rates or sliding scale availability, you’re welcome to reach out.
Have Questions About Costs or Coverage?
The financial side of therapy can feel overwhelming—but you don’t have to figure it out alone.
Whether you need help:
Checking insurance benefits
Understanding session fees
Navigating out-of-network options
We’re here to help and happy to answer your questions.
Ready to Take the Next Step?
You deserve support that feels accessible, clear, and aligned with your needs.
Request an Appointment
Other helpful options:
Contact Us With Questions
Read FAQs
Finances shouldn’t be a barrier to getting the care you deserve.
We’re here to help you access online therapy in Chicago, Illinois that works for your life, your needs, and your budget.
Frequently Asked Questions
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The cost of therapy with insurance depends on your specific plan. Many clients pay a copay of around $20–$35 per session, though some plans require meeting a deductible first.
We verify your benefits before your first session so you know what to expect and aren’t surprised by unexpected costs.
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If your deductible hasn’t been met yet, your plan may ask you to cover the session cost until it is. That can feel confusing or frustrating — especially if no one has taken the time to explain it before. We’re happy to walk you through what your plan means and help you understand your options, so you’re not left figuring it out on your own.
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Yes. We keep a card on file and process payment after each session based on your insurance benefits or self-pay rate. This helps keep billing simple and consistent, so you don’t have to worry about follow-up payments later. If you ever have questions about a charge, you’re always welcome to reach out.
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Possibly. Many PPO plans offer out-of-network benefits, which means you may be reimbursed for part of your session cost. We provide a superbill to support this process and are happy to explain how it works so it feels less overwhelming.
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When available, we offer a limited number of sliding scale spots based on financial need and clinician availability. These spots can change, but you’re always welcome to reach out and ask. We believe therapy should feel accessible and human, not transactional.
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We ask for at least 24 business hours’ notice if you need to cancel or reschedule. This allows us to hold that time intentionally for each client. Late cancellations or no-shows are charged the full session fee, and we’re always happy to answer questions about this policy.
Cancellation Policy
When a session is scheduled, that time is set aside just for you. We ask that you cancel at least 24 business hours in advance if you’re unable to attend.
Late cancellations or no-shows will be charged the full session fee.
