Insurance
Insurance for Therapy in Chicago | Male & Female Therapists
Accepting BCBS, Aetna, Cigna & More
Chicago Therapy Practice Accepting Major Insurance Plans for Individual & Couples Counseling
At Modern Therapy Alliance, our Chicago therapists accept most major insurance plans for individual therapy, couples counseling, and family therapy services. We believe therapy should be accessible, which is why we accept insurance and handle all the billing complexity for you. Whether you’re seeking a therapist in Chicago for yourself or couples counseling with your partner, we’ll verify your benefits, maximize your coverage, and ensure you never receive surprise bills. Not sure what your plan covers? We’ll run a complimentary benefits check and clearly explain copays, deductibles, and out-of-pocket costs before your first session. If you’re using an HSA or FSA card, or seeking out-of-network reimbursement, we’ll make that process easy too. Our goal is to remove the confusion around payment so you can focus fully on your therapy, not the paperwork.
We want you to feel clear about the financial side of therapy before you begin. Modern Therapy Alliance is straightforward about insurance and payment so you can focus on care, not paperwork.
Plans We Accept (In-Network)
Our Chicago therapy practice accepts the following insurance plans:
• Blue Cross Blue Shield (BCBS)
• Aetna
• Cigna
• UnitedHealthcare / UHC
We provide both in-person therapy at our Chicago office and telehealth sessions throughout Illinois. Insurance coverage applies to individual therapy, couples counseling, and family therapy services with our licensed therapists.
Coverage and costs vary by plan. Some plans may require a referral or prior authorization. We’ll verify eligibility before your first appointment, but your insurer’s information is the most accurate and up-to-date.
Note: Being in-network does not guarantee coverage. Copays, coinsurance, and deductibles are determined by your specific plan.
How Billing Works
Copay: A fixed amount you pay at each session.
Coinsurance: A percentage of the session fee you pay after your deductible is met.
Deductible: The amount you pay out of pocket each year before your plan starts to pay.
OOP Max: Once you hit this yearly maximum, covered services are generally paid at 100% for the rest of the plan year.
We will submit claims for in‑network plans on your behalf. You’ll receive statements for any patient responsibility after insurance processes the claim.
Out‑of‑Network & Superbills
If your insurance is not listed above, you may still have benefits available. We can provide a superbill for you to submit to your insurance company. Depending on your plan, you may be reimbursed for a portion of your session cost.
We encourage you to call your insurer to ask about your out-of-network behavioral health benefits.
Verifying Your Benefits (Quick Script)
When you call the number on your insurance card (Member Services):
“Does my plan cover outpatient psychotherapy with CPT codes 90837 and 90834?”
“Is Modern Therapy Alliance or my clinician in‑network?” We can give you the code when asking
“Do I need pre‑authorization or a referral?”
“What is my copay or coinsurance after the deductible?”
“Does my deductible apply to outpatient psychotherapy?”
“What is my deductible and out‑of‑pocket maximum, and how much have I met to date?”
“Are telehealth sessions covered?”
Have your Member ID, DOB, and plan year handy. If you receive reference numbers, jot them down for your records.
Questions About Insurance Coverage in Chicago?
We understand insurance can be confusing. That’s why we handle all the verification and billing for you. During your free 15-minute phone consultation, we’ll:
• Verify your insurance benefits before your first session
• Explain your copay, deductible, and coverage details
• Confirm that our Chicago therapists are in-network
• Answer questions about couples counseling coverage
• Ensure you understand costs upfront with no surprises
Ready to use your insurance for therapy in Chicago? Schedule your free consultation today.