Rates and Insurance
Online Therapy in Chicago & Illinois That’s Accessible and Affordable
Invest in Your Mental Health
Therapy is one of the most meaningful investments you can make—in your well-being, your relationships, and your future. We also understand that finances can be a concern, so we aim to make the process as simple, clear, and stress-free as possible.
That’s why we provide online therapy in Chicago and across Illinois that’s flexible, accessible, and client-centered. We’re proud to offer affordable therapy in Chicago that accepts insurance whenever possible, because support shouldn’t feel out of reach.
Insurance We Accept
We are currently in-network with:
✔ Blue Cross Blue Shield 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 individual plan, copay, and deductible. We encourage you to call your insurance provider directly to understand your specific benefits.
This means getting affordable therapy in Chicago that accepts insurance can be simple, transparent, and stress-free.
We’ve also written a blog about using your insurance benefits to help make this a little easier.
Need help checking your benefits?
No worries! We’re here to make things easy—just reach out. We’re happy to walk you through it.
Please note: We do not accept Medicaid plans at this time. We do accept credit/debit cards, HSA, and FSA for all sessions.
Have Insurance Questions? Let’s Talk!
It can be tricky to navigate insurance, but you don’t have to do it alone. Here are a few helpful questions to ask your insurance provider when checking your coverage:
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This question helps you confirm if your insurance plan covers therapy sessions. Some plans may exclude mental health benefits or only cover certain types of therapy, so it's important to clarify what’s included.
Typically, insurance needs specific codes, which would be:
90791- Intake
90834 and 90837- for therapy sessions ongoing
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Find out how much you’ll be required to pay out-of-pocket for each therapy session. Your copay is typically a fixed amount, while coinsurance is a percentage of the session cost (for example, 20% of the total cost).
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Your deductible is the amount you need to pay for healthcare services before your insurance starts covering costs. Ask if you've already met this amount for mental health services or if you still need to pay it before your insurance kicks in.
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Some insurance plans limit the number of therapy sessions covered each year. Knowing how many sessions are covered helps you plan your therapy schedule and avoid unexpected costs.
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Some plans require pre-authorization or a referral from your primary care doctor before they will cover therapy. This step ensures that you’re clear on whether you need additional paperwork or approvals before starting therapy.
Affordable Therapy in Chicago That Accepts Insurance (and Out-of-Network Options)
If we’re not in-network with your plan, you can still work with us! Many clients use out-of-network benefits to get reimbursed for therapy. We’ll provide a superbill to help with that process.
We’ve also written a blog about how to use out-of-network benefits for therapy
💬 If you’re unsure about how this works or have questions, we’re here to walk you through it—just contact us!
We’re committed to making therapy more accessible. If needed, we offer flexible payment options, including a sliding scale, based on financial need and clinician availability.
Session Fees
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 Spots Available
We understand that finances can be a concern, and sliding scale spots may be available based on financial need and clinician availability—because everyone deserves affordable therapy in Chicago and across Illinois that meets them where they are.
To learn more about our current rates and find the right therapist for you, feel free to email us at info@mhcounselinggroup.com
Have Questions About Costs or Coverage?
We know the financial side of therapy can feel overwhelming, but you don’t have to figure it out alone. Whether you need help checking your benefits, understanding your payment options, or navigating out-of-network coverage, we’re here to help.
Ready to Get Started?
You deserve the support you need, and we’re here to make that easier for you. Whether you’re using insurance or paying privately, we’ll help you navigate the process and make therapy feel accessible.
✔ Schedule an appointment today
✔ Reach out with any questions
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.
Cancellation Policy
When we schedule a session, that time is set aside just for you. We ask that you cancel at least 24 business hours in advance if you can’t make your appointment. Late cancellations or no-shows will be charged the full session fee.
