Pivotal Counseling Center accepts most major insurance plans, including Aetna, Blue Cross Blue Shield, Cigna, Medicaid, Medicare, Optum/United Healthcare, and Tricare. Self-pay sessions are $200 for 60 minutes, and a reduced fee is available. We see clients in person in Woodstock, Lake in the Hills, and Elgin, Illinois, and online anywhere in Illinois.
Counseling Fees
Most sessions are 60 minutes and cost $200. If you have insurance, your fee will be based on the contracted rate from your insurance company for in-network or out-of-network benefits.
We accept insurance, out-of-network insurance benefits and self-pay. We also offer a reduced fee for those who cannot afford the full rate. Please call in advance to discuss this option. Services may be covered in full or in part by your health insurance or employee benefit plan.
If you don’t have insurance or aren’t using it, you have the right to a Good Faith Estimate of expected charges.
Insurance Plans We Accept
Pivotal Counseling Center is in network with:
- Aetna
- Blue Cross Blue Shield PPO
- Blue Cross Blue Shield Blue Choice
- Blue Cross Community (Medicaid)
- Carelon Behavioral Health (formerly Beacon)
- Cigna
- ComPsych
- Curative
- Employee Assistance Programs (EAP)
- Humana
- Medicaid
- Medicare
- Meridian (Medicaid)
- Meritain
- Molina (Medicaid)
- Optum
- Tricare
- UMR
- United Healthcare
- United Healthcare Medicare Advantage
Not every clinician accepts every plan. Each therapist's page on Our Counselors lists the insurance they accept, and you can filter counselors by insurance there. You can also call us at 815.345.3400 and we will match you with a clinician who is in network with your plan.
HMO Plans
HMO plans require a referral from your primary care physician. Please check with us before assuming your HMO plan is covered.
Questions to Ask Your Insurance Company
Please check your coverage carefully by asking the following questions:
- Do I have mental health insurance benefits?
- What is my deductible and has it been met?
- How many sessions per year does my health insurance cover?
- What is the coverage amount per therapy session?
- Is approval required from my primary care physician?
- What is the difference between an in-network and an out-of-network provider?
- How do I file a claim for an out-of-network provider?
How Do I Use My Out-of-Network Insurance Benefits?
You can use your out-of-network benefits to work with us. We will provide you with a Superbill, which is an invoice along with specific diagnostic codes that explain why you have come to seek help. You are responsible for the full fee at the beginning of each session, and then you submit the Superbill to your insurance company for reimbursement of a percentage of the fee. Please call your insurance company to learn more about your specific benefits and how to complete this process. If you prefer, we will call your insurance to gather this information and then discuss it with you.
Forms of Payment
We accept cash, check, and all major credit cards. If you participate in an FSA, HSA, or HRA you can use those funds toward therapy services.
Cancellation Policy
If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be required to pay a $75 fee. No portion of this fee will be covered by insurance.
Frequently Asked Questions About Rates and Insurance
How much does a counseling session cost at Pivotal Counseling Center?
Most sessions are 60 minutes and cost $200 for self-pay clients. If you use insurance, your cost is based on your plan's contracted rate for in-network or out-of-network benefits. A reduced fee is available for those who cannot afford the full rate.
What insurance does Pivotal Counseling Center accept?
Pivotal Counseling Center is in network with Aetna, Blue Cross Blue Shield PPO, Blue Cross Blue Shield Blue Choice, Blue Cross Community (Medicaid), Carelon Behavioral Health (formerly Beacon), Cigna, ComPsych, Curative, Employee Assistance Programs (EAP), Humana, Medicaid, Medicare, Meridian (Medicaid), Meritain, Molina (Medicaid), Optum, Tricare, UMR, United Healthcare, United Healthcare Medicare Advantage. Not every clinician accepts every plan, so check a therapist's staff page or call us to confirm.
Does Pivotal Counseling Center accept Medicaid?
Yes. Our clinicians accept Illinois Medicaid, including Blue Cross Community, Meridian, and Molina Medicaid plans. Availability varies by clinician.
Do you accept HMO insurance plans?
HMO plans require a referral from your primary care physician before you start counseling. Please check with us before assuming your HMO plan is covered.
Can I use out-of-network insurance benefits for therapy?
Yes. We provide a Superbill you can submit to your insurance company for partial reimbursement. You pay the full fee at each session, and your insurer reimburses a percentage based on your out-of-network benefits.
Can I use my HSA or FSA to pay for therapy?
Yes. We accept cash, check, all major credit cards, and FSA, HSA, and HRA funds.
What is the cancellation policy?
If you miss a scheduled appointment without notifying us at least 24 hours in advance, there is a $75 fee. Insurance does not cover this fee.