Insurance
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)
Blue Cross Blue Shield PPO (BCBSIL)
Aetna PPO
Cigna/Evernorth PPO
UnitedHealthcare PPO
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.