Fees & Insurance Information
Quality Mental Health Care That's Accessible
We believe every woman deserves access to specialized mental health support. That's why we accept major insurance plans and offer flexible payment options to make therapy affordable.
Insurance Accepted
HSA/FSA Eligible
We're In-Network With
Blue Cross Blue Shield PPO
- • Most PPO plans accepted
- • Typical copay: $20-40
- • Deductible may apply
- • Coverage verification available
Aetna
- • PPO and POS plans
- • Mental health benefits included
- • Typical coverage: 60-80%
- • Preauthorization handled for you
Cigna
- • PPO plans accepted
- • EAP programs welcome
- • Mental health parity applies
- • Direct billing available
Don't see your insurance? We offer out-of-network options.
Transparent, Fair Pricing
Individual Therapy Sessions
Initial Intake (90 minutes):$250
Regular Sessions (55 minutes):$185
EMDR Sessions (55 minutes):$280
Why Our Rates?
- •Specialized expertise in women's mental health
- •Advanced training and certifications
Using Your Out-of-Network Coverage
How It Works:
- 1You pay session fee upfront
- 2We provide a detailed superbill
- 3You submit to insurance for reimbursement
- 4Typical reimbursement: 50-80% of fee
We Provide:
- •Monthly superbills with all required codes
- •Documentation support
- •Claims assistance if needed
- •Direct reimbursement setup (when available)
Questions to Ask Your Insurance:
- • What is my out-of-network deductible?
- • What percentage do you reimburse?
- • How many sessions are covered annually?
- • Do I need a referral?
Tax-Advantaged Payment Options
Therapy is HSA/FSA Eligible
Mental health therapy qualifies as a medical expense under IRS guidelines. Use your pre-tax dollars for:
Eligible Services:
- • All therapy sessions
- • Initial assessments
- • EMDR treatment
- • Couples therapy (when available)
Benefits:
- • Save 20-30% using pre-tax dollars
- • No additional documentation needed
- • Direct payment with HSA/FSA cards accepted
- • Year-end statements provided
We Make Insurance Verification Easy
Before Your First Session:
- 1Provide insurance information
- 2We verify your benefits
- 3We explain your coverage
- 4You know exact costs upfront
What We Check:
- •Deductible status
- •Copay amount
- •Session limits
- •Prior authorization needs
- •Coverage specifics
No surprise bills - transparent pricing always
Planning Your Investment
Typical Treatment Patterns:
Initial Phase
Weekly sessions (first 8-12 weeks)
Working Phase
Biweekly sessions (months 3-6)
Maintenance
Monthly or as-needed
Cost Examples with Insurance:
Weekly with $30 copay:~$120/month
Biweekly with insurance:~$60/month
Out-of-network (60% reimbursement):~$74/session
Verify Your Coverage Today
Don't let financial concerns prevent you from getting help. We'll work with you to find an affordable way to access the care you need.
What You Need:
- • Insurance card (front and back)
- • Member ID number
- • Group number
- • Insurance phone number
Questions? We're here to help navigate insurance and payment options.
📧 katherine@kmhcounseling.com
📍 1820 W. Webster Ave, Suite 400, Chicago