Urban Balance is an insurance-friendly practice. Many other practices either do not accept insurance or simply furnish their clients with receipts for them to submit to their insurance companies. UB believes that by accepting most insurance plans and utilizing a billing service that checks benefits, requests authorizations and submits claims on the client's behalf, therapy and counseling become accessible and affordable. We believe this affordability enables clients to stay in treatment until they have achieved their goals and have succeeded in therapy.
Urban Balance has therapists on staff who are contracted as in-network
providers with the following insurance and EAP (Employee Assistance Program) companies:
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- Aetna PPO & POS
- The Allen Group
- APS
- Blue Cross & Blue Shield of IL PPO (See below about HMO)
- Chickering Group
- Cigna Behavioral Health
- Claremont EAP
- ComPsych
- Deer Oaks EAP
- EAP Consultants
- Employee Resource Systems
- Great West
- HFN
- Horizon EAP
- Humana
- Magellan Behavioral Health
- Managed Health Network (MHN)
- Multiplan
- One Health Plan
- Private Healthcare Systems (PHCS)
- UniCare
- United Behavioral Health (UBH)
- Value Options
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Most insurance plans will cover outpatient mental health treatment. Please bring your insurance card to the first appointment. If we are a network provider, we will honor the contracted rate which is anywhere from $60-$125 per session depending on the plan (this is discounted from our regular rate of $150 for the initial visit and $125 for every session thereafter). Your co-payment and the number of sessions
allowed per year depends on your particular plan. Our therapists utilize a billing service that will check your benefits, request authorizations, and submit claims on your behalf. Your therapist will explain your coverage to you and will collect your co-payments at each session. The quote of benefits we get from your insurance company is not a guarantee of coverage. Co-payments can be made by check, cash or credit card (Visa, Mastercard, and American Express).
If your benefits include EAP sessions, these visits are free to you. The number of visits depends on your employer's plan (usually EAP benefits range from 1 to 8 sessions). EAP visits may be used for assessment, brief treatment, and transition to ongoing therapy under insurance as needed.
If insurance coverage is limited or is maximized, UB offers a sliding fee scale based on income. The lowest fee we can accept is $60 per session.
Receipts for flexible spending accounts may be furnished upon request.
If you have Blue Cross & Blue Shield HMO, please call the customer service number on the back of your card and inquire about your outpatient mental health coverage. Typically, UB is not in-network, however, if your mental health benefits are managed by a behavioral health company such as UBH or Magellan, you may be able to access your in-network benefits at Urban Balance. Additionally, you may be able to request a referral from your Primary Care Physician to see a therapist in our office at the in-network rate. Please feel free to contact us if you would like additional information or assistance.
