If you’ve found yourself wondering “Do I have depression” right alongside “How much does therapy cost” and wondering how you’ll afford to navigate both, this blog is for you! After learning about and exploring ways of affording therapy, we invite you to learn more about our Chicago-based practice with locations in Arlington Heights, Roscoe Village and downtown Chicago!
It’s common to feel sadness from time to time as a response to tough times. But being incredibly apathetic or experiencing prolonged sadness can make you ask yourself, “Do I have depression?”. If you experience symptoms associated with depression for weeks at a time, or how you feel impacts your ability to complete daily tasks, you may need to see one of our therapists at our Arlington Heights, Roscoe Village or downtown Chicago locations.
Considering the ups and downs we face as a byproduct of being human, it could be beneficial to see a therapist regularly, even if you aren’t wondering if you do have depression.
Your impending decision about whether to start seeing a therapist may prompt you to ask, “How much does therapy cost with insurance?” or even “How much does therapy cost without insurance?” The question of affording therapy when you’re depressed doesn’t have to cause you to lose hope regarding receiving the treatment you deserve. Thankfully, various treatment and financial options are available for those experiencing mental health challenges.
Ultimately, therapy costs with or without insurance can rely on several factors:
At PURE Health Center, we offer a number of options that will help you coordinate care with a top-rated Chicago therapist at a location near you!
✓ All of our licensed psychotherapists are in network with Blue Cross Blue Shield PPO and BlueChoice plans
✓ If you have an Out of Network Insurance plan, we will provide a superbill that you can send to your insurance company for reimbursement
✓ We offer the option for self-pay at $175/session
✓ Our graduate interns offer services on a sliding scale from $30-$50/session (Not eligible for insurance reimbursement)
Determining how you’ll afford therapy can be a major barrier to beginning counseling services in the first place. The good news is that if you have an insurance plan with Blue Cross Blue Shield PPO or a Blue Choice plan, your sessions with a licensed psychotherapist at PURE Healh Center will be covered.
Prior to coming in to your first session, we can always verify your coverage, however if you forgo this step, please note that you are responsible for any portion of your session not covered by insurance.
Initial conversations with your therapist at PURE Health Counseling will include discussions where they’ll answer any questions you have regarding your financial investment and insurance claims. This can help you determine how much therapy costs with insurance and any out-of-pocket costs you may have to pay.
In most cases, without insurance, therapy costs more upfront because you’ll have to pay the total cost of treatment. With our licensed psychotherapists, that fee is $175/session. Your out-of-network insurance may reimburse you for a portion of your total therapy cost, but it is incredibly individualized and difficult to share generalized information. A call to your insurance company to determine coverage is the best thing you can do to determine if you can afford therapy in Chicago.
To facilitate this process, clients of PURE Health Center can receive a superbill (a collection of receipts) they can submit to their insurance provider that lets them know how much therapy costs without insurance.
Other things to keep in mind when seeking and affording therapy are:
If you’re seeking therapy without insurance or seeing a therapist who doesn’t accept your insurance, options are still available that can make affording therapy possible. Consider asking your therapist about discounted rates or sliding scale options. Sliding scale options, for instance, can help make therapy affordable because they’re based on the client’s income.
When you’re looking for the best therapist for you, it’s worthwhile to explore other means of affording therapy, even if that means not using insurance, because your in-network options may be extremely limited. When you’re ready to begin the hard work of therapy, you should share your feelings and experiences with someone whose personality and specializations suit your needs and goals. You should go on your healing journey with a mental health care provider you trust and consider a good fit, not just someone listed on your insurance panel.
Through individual, couples, and family counseling at PURE health Center, clients receive care and support that empowers them to identify and use their inner strengths to make the changes necessary for having and enjoying better mental, emotional, behavioral, and interpersonal health.
If you live in or near Chicago—or desire online therapy in Illinois—PURE Health Counseling can provide the solutions to healthily explore and address any issues that impede joy, happiness, productivity, and a sense of purpose.