We are in-network (INN) with PPO plans through the following carriers: BCBS (including Anthem) United Healthcare (including Optum), Aetna and SANA.

INN client-payment responsibility varies based on plan. This variance can range from having a $10 copay to a deductible, in which case, they will pay approximately $119-$132 per session until they meet their deductible at which point BCBS will cover most or all of the cost from there on.  It is the responsibility of the client to verify benefits prior to the first session. See below for information on how to check your benefits. 

If you would like us to obtain a quote of benefits from your insurance company prior to sessions, please email office@lilycounseling.com with the following: 1. A copy of the front and back of your insurance card and 2. State “Please provide me with a courtesy benefits check”  ***keep in mind we are only able to provide quotes based on the information provided to us by your insurance company and benefits information is subject to change upon claims processed.

The Process: The electronic system will initially determine what you owe after your first session. We will then submit claims on your behalf and receive an explanation of benefits (EOB) from your insurance company. This will tell us what you will owe per session. Once we submit your first session through insurance, your insurance company will process the claim and provide us with an explanation of your benefits. At this point, we will know how much you will owe per session(s) and you will be charged accordingly.

We recommend calling your insurance company prior to sessions to confirm your eligibility and benefit details. Here is guidance on how to check your eligibility and benefits: 

• Step one: call the number on the back of your insurance card and follow the prompts 
• Step two: ask the member representative the following questions: 
• What is my coverage for outpatient, mental health, office visit (telehealth) visits?

• Do I have a deductible for these sessions? If so, how much is my deductible?

• If yes: Once I meet my deductible, what will my copay or co-insurance be?

• If no: how much will I owe per session? How much will my copay be?

• Do I need pre-authorization for sessions?

• Are there any restrictions to my coverage for these sessions?

• If you need to identify our practice to verify it is in-network or for any other reason… 

• Billing NPI is 1902418650  

• Legal name of the practice is “Lily Center of Chicago”

Our practice can provide a courtesy benefits check if clients request information or want a quote of benefits prior to beginning sessions. Please allow 48 business hours for your benefits check to be completed. 

We are out of network with all insurance plans and carriers outside of what is shown above as in-network. For example: we are out-of-network with BCBS HMO and Community Health Plans and Cigna plans. 

If you are OON, you may have OON benefits, and thus, be eligible for partial reimbursement. 

If you are OON, you will be responsible for payment for services upfront and then you will submit claims to your insurance company for reimbursement, if you choose. 

If you would like to submit claims to your insurance company, you can request “superbills” from us and we will send them to you in the portal on a monthly basis. A Superbill is a document outlining services rendered. It has the information your insurance company needs to process claims for our services, track your OON benefits and provide reimbursement as is applicable to your OON benefits. 

We recommend calling your insurance company prior to sessions to confirm your OON eligibility and benefit details. Here is guidance on how to check your OON eligibility and benefits: 

• Step one: call the number on the back of your insurance card and follow the prompts 
• Step Two: ask a member representative the following questions:

• Do I have out-of-network benefits for outpatient, mental health, office visit (telehealth) visits? 

• If yes: can you explain my coverage details, so I know what I will owe?
• How do I go about submitting claims for reimbursement?

• HSA/FSA is accepted to cover the cost of sessions (INN and OON). 

***You or a family member may have HSA/FSA benefits through your employer!

• Payment plans are offered on a case-by-case basis.
• See if you have OON benefits (see section above “HOW TO CHECK YOUR OUT-OF–NETWORK BENEFITS” 
• Reduced fees are offered on a case-by-case basis.
• Session frequency is up to you (e.g. weekly, biweekly, monthly)

• Initial Intake Assessment (50-55 minutes): $175
• Individual Therapy Session (50-55 minutes): $150