What do I need to know about insurance and fees?

We are in network with Blue Cross Blue Shield PPO and Blue Choice plans. If you plan to utilize your mental health benefits, we will file claims to insurance for you. We are also out-of-network providers for many insurance companies which means that we do not bill them directly. We will give you a statement that you can submit for out-of-network reimbursement.

We encourage you to call your insurance company and carefully check your mental health benefits as you are ultimately responsible for the full cost of therapy. Here are some questions you should find answers to:

  • Do I have mental health benefits?

  • Is my therapist in-network?

  • What is my deductible and has it been met?

  • Do I have a copay?

  • How many mental health sessions per calendar year does my insurance plan cover?

  • How much does my plan cover for an out-of-network mental health provider?

  • How do I obtain reimbursement for therapy with an out-of-network provider?

  • Is approval required from my primary care physician?

If you are using insurance we are contracted with (Blue Cross Blue Shield PPO and Blue Choice plans), only your copay (which varies depending on your plan) is due at the time of your session. If you are using out of network insurance, full payment is due at the time of the session. We accept cash, check, major credit cards and HSA cards.

If the required fee is a barrier to your therapy, please talk with your therapist when arranging your first appointment. A reduced fee may be offered based on clear financial difficulty.

Feel free to call if you have any questions about fees and insurance. We are happy to assist!

What is psychotherapy and why seek it at Wildflower?  

Psychotherapy is a unique, life-affirming kind of partnership. While there is a vast array of approaches to psychotherapy, they all share the goal of creating lasting emotional, behavioral, and relational change. Some clients come to us because of stressful life circumstances or because how they are feeling has become a source of suffering.  Others seek psychotherapy to reach greater levels of emotional health and self-awareness or because they wish to grow as a parent, professional, partner, etc.  Whatever your reason for contacting Wildflower, we will collaborate with you in creating an individualized plan to help you thrive and harness your potential.  We believe that effective psychotherapy is grounded in a strong and empathic therapeutic relationship and involves the ongoing integration of clinical expertise and knowledge with your unique needs and experiences.

What happens in the first psychotherapy session?  

Your first session will be 60 minutes in length. During this time, your therapist will want to learn about what brings you in, your current and past experiences, relationships, strengths, and goals.  Based on this evaluation, your therapist will share with you her impressions about what your work together might entail. You will be able to ask any questions about this process, voice preferences or concerns. You will find that empathy, nonjudgment and positive regard are cornerstones of our approach to psychotherapy. It is very important that you find a therapist with whom you feel comfortable; the first session will help you determine if your therapist is the right fit for you.  

What are the pros and cons of using insurance benefits to pay for psychotherapy?

Using your insurance policy to pay for psychotherapy allows you to substantially reduce your cost per session. This being said, there are certain disadvantages associated with utilizing your insurance benefits that you should be aware of. In order to pay for services, insurance companies mandate that we provide a clinical diagnosis and sometimes release additional information such as a treatment plan or copies of your clinical record. We will make every effort to release the minimum information needed to satisfy such requests. Some clients are uncomfortable with this limit of confidentiality and choose to pay for services privately. 

What are your office hours?

Hours vary by clinician. We offer morning, afternoon and evening appointments Monday through Friday. We also offer morning and afternoon appointments on Saturdays and Sundays. 

What is your cancellation policy?

The time that is allotted for your therapy session is reserved for you. For this reason, we require a 24 hour cancellation notice. Appointments cancelled with less than a 24 hour notice will incur a full session charge.

How should I contact you and what will happen during initial contact?

Please call the general number if you would like to inquire about our psychotherapy or workshops, are not sure which therapist would be the best fit for you, or would like to gain assistance in figuring out whether to pursue any of the services we offer. If you already know which therapist you would like to work with, please listen to the greeting and press the appropriate extension to be transferred to their line. In case we are not available to speak with you, leave a voicemail message and we will respond to you promptly.

If you prefer, you are welcome to contact us via the “contact us” form on the website.

During the initial phone conversation or email exchange, we will inquire about your reasons for seeking services, answer any questions or concerns you may have, discuss the fee, location, scheduling and goodness of fit.  We will also ask you to complete the intake paperwork prior to your first session. The paperwork can be emailed to you or you are welcome to come for your session 15 minutes early and complete it in the waiting area.

What is an LCSW?

A Licensed Clinical Social Worker (LCSW) must meet strict educational and training requirements which includes two one-year practicums, a Master’s degree in clinical social work, 3,000 hours of supervised post-graduate clinical experience and successful completion of state licensing examination. LCSW’s are also required to earn continuing education units to maintain their clinical license. 

An LCSW has been trained in psychotherapy and helps individuals deal with a variety of mental health and daily living challenges to improve overall functioning. An LCSW is steeped in academic studies including sociology, human growth and development, mental health theory and practice, human behavior in the social environment, psychology and research methods. Credit: Tim McDaniel, LCSW

What is an LCPC?

A Licensed Clinical Professional Counselor (LCPC) must meet strict educational and training requirements, including: a Master’s degree in counseling, rehabilitation counseling, or psychology, 600 hours served in clinical internship, and 3,360 hours of supervised post-graduate clinical work experience with 1,920 hours of direct, face-to-face counseling. LCPCs must also successfully complete a state licensing examination. LCPCs are also required to earn continuing education units to maintain their clinical license. 

An LCPC has been trained in psychotherapy and helps individuals deal with a variety of mental health and daily living challenges to improve overall functioning. An LCPC’s requisite academic studies include human growth and development, counseling theory, psychopathology and maladaptive behavior, and research and evaluation. Credit: Illinois Mental Health Counselors Association

What is a Licensed Clinical Psychologist?

A Licensed Clinical Psychologist must meet strict educational and training requirements at the doctoral level. Psychologists may hold either a Ph.D. or Psy.D. (Doctorate of Psychology), requiring at least 4 years of graduate study, a dissertation, and clinical training. In addition to 2-3 years training in clinical practicums, all psychologists must complete a pre-doctoral internship and a postdoctoral fellowship, which are full-time training positions (3750 hours total). All told, many psychologists will have obtained around 6000 hours of supervised training while on the path to licensure. Psychologists must also pass a national licensure exam. Once licensed, psychologists are permitted to work independently and must pursue continuing education to maintain licensure.

Psychologists apply expert knowledge in human psychology to the assessment, diagnosis, and treatment of mental health problems. In practice, psychologists may use different tests to assist in diagnosing problems or understanding an individual’s functioning, or they may employ evidenced-based therapies to help their patients improve their lives. Importantly, in Illinois, psychologists do not prescribe medication but will assist individuals through a variety of behavioral treatments. 

What is an LMFT?

A Licensed Marriage and Family Therapist (LMFT) works with individuals, couples, families, or groups using a systemic and relational framework. LMFTs conceptualize problems as embedded within the overlapping contexts of our lives, including our individual psychology, relationships, and communities, and this framework guides an active approach to finding healthy alternative solutions. While LMFTs typically receive extensive training to address relational and familial concerns, they are also skilled in treating individual problems and respecting the reciprocal relationship our personal issues can have on our various relationships. 

An LMFT must meet strict educational and training requirements including a Master’s degree in Marriage and Family Therapy from an accredited program, a minimum of 3,000 hours of supervised post-graduate experience (including a required minimum of relational clinical hours), and successful completion of a state licensing exam. Like other psychotherapists, LMFTs are required to earn continuing education units to maintain their clinical license, which they obtain through various trainings and seminars.