Fees and Insurance

Prioritizing Your Well-being: Transparent Fees and Out-of-Network Reimbursement Support

invest in yourself, it pays the best interest
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Investing in Your Journey to Well-being

At DBT Center Chicago, we recognize that seeking therapy is a significant and courageous step toward emotional health and resilience. Our commitment is to make this path as smooth and effective for you as it can possibly be.

We tailor our services with one priority in mind: You. Our approach is to provide specialized, personalized care that meets your distinct needs, ensuring that every interaction moves you forward in your journey of healing. We’ve chosen a private pay model intentionally, to guarantee that our services are delivered without compromise, unconstrained by the limitations typically set by insurance companies.

This decision is rooted in our dedication to offering high-quality care—where the value, trust, and commitment we uphold is apparent in every aspect of our service. Your well-being is our utmost priority, and we are dedicated to guiding, supporting, and empowering you at every step. With us, you can expect nothing less than the highest standard of care tailored to your personal healing journey.

Pricing Plan

Pricing is actually pretty simple

Initial Diagnostic Intake
Comprehensive first-time client assessment and evaluation.
Book a Free Consult
Individual Therapy Sessions
Weekly therapy for ongoing emotional and mental support.
Two-hour Skills Group
Group sessions focusing on skill-building and collaboration.
24/7 Phone Coaching
Outside-of-session skills coaching by phone or text.

Choosing Private Pay For Exceptional Care

At DBT Center Chicago, we embrace a private pay approach to ensure personalized care tailored to your unique needs. This model allows us to maintain unmatched flexibility in session frequency, duration, and style, all while upholding the utmost confidentiality in your therapeutic journey. By choosing private pay, you gain control over your treatment, free from the constraints and disclosures required by insurance providers.

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Reimbursement Calculator

As an out-of-network provider, we have partnered with Mentaya to help clients save money on therapy. Use this tool below to see if you qualify for reimbursement for our services.

NOTE: Actual reimbursement may differ from the calculator due to insurance "usual and customary fee" which varies by insurance carrier. Use our convenient call script below to verify reimbursement information with your insurer.

Claim Submission Options

Choose the path that best suits your needs.
Submitting ON Your Own:
Full control over submission
Direct communication with your insurer
No additional service cost
Utilize provided superbills
Follow up with insurance personally
Using Mentaya TO SubmiT:
Small service fee
Hassle-free processing
Automated follow-ups
Time savings

Seeking Reimbursement On Your Own: A Step-by-Step Guide

Even as a private pay facility, you may be eligible for partial reimbursement through your insurance's out-of-network benefits. Here's a brief guide:

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Verify Your Benefits

Contact your insurance to confirm out-of-network coverage for mental health services, including specifics on deductibles and session limits.

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Submit Superbills

We provide a superbill each month, which you can submit to your insurance for potential reimbursement of therapy costs.

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Follow Up

Monitor your claim's status with your insurance company and follow up as needed to ensure your reimbursement is being processed.

Using Mentaya for Reimbursement: A Step-by-Step Guide

As a private pay practice, you can still seek reimbursement through Mentaya for out-of-network therapy sessions. Here’s how to get started:

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Check Eligibility with Mentaya

First, visit Mentaya’s eligibility page here to see if you qualify for reimbursement. It's a simple process to determine your coverage for out-of-network mental health services.

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Register and Submit through Mentaya

If you’re eligible, sign up at Mentaya’s registration page here. Once registered, Mentaya will handle the submission of claims on your behalf, managing all the necessary insurance paperwork.

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Track and Receive Your Reimbursement

Mentaya will diligently work on your claim, keeping you updated on the status. They charge a 5% fee per claim but can help you reclaim a significant portion of your therapy expenses annually.

Guide to Inquiring About Your Out-of-Network Mental Health Coverage

Navigating your insurance plan's benefits for mental health services can be straightforward with the right questions. Here's how to effectively gather the information you need:


Initiate the Inquiry:

Begin by establishing whether you have out-of-network benefits for mental health. Ask, "Can you confirm if my plan includes out-of-network coverage for mental health services?"

Specify Services with CPT Codes:

Provide the specific CPT codes to get detailed coverage information. Say, "I'd like to verify the coverage for these CPT codes: 90791 for the initial psychiatric evaluation, 90837 for weekly individual psychotherapy, and 90853 for weekly group therapy."
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Discover the Reimbursement Details:

Once coverage is confirmed, delve into reimbursement specifics. Ask, "What percentage of the service cost is covered?" and clarify whether that's based on the actual fee charged or on the 'usual and customary' rate. If they reference the 'usual and customary' rate, inquire, "Could you provide the usual and customary rate for CPT codes 90791, 90837, and 90853?"

Clarify Your Deductible:

Wrap up by understanding your financial responsibility. Inquire, "What is my out-of-network deductible, and how much of it have I met so far this year?"

Frequently asked questions

Why does DBT Center Chicago not bill insurance directly?

At DBT Center Chicago, we've chosen a private pay model to ensure that we can offer highly personalized care without the restrictions insurance companies may impose. This model allows us to prioritize your well-being, offer flexible and responsive therapy sessions, and maintain strict confidentiality.

What exactly is a "superbill," and how does it facilitate reimbursement?

A superbill is a comprehensive receipt that we issue monthly, detailing the therapy services you've received. It includes all the necessary information for insurance purposes, such as the dates of service, treatment codes, and session costs. You can submit this document to your insurance provider monthly to request reimbursement for your therapy expenses.

What are the chances of clients being reimbursed by their insurance for therapy?

Many clients successfully receive out-of-network reimbursements. The success rate varies based on individual insurance policies and out-of-network benefits. To help you estimate your potential reimbursement, we offer a free tool on our website where you can enter your insurance details and get an overview of your out-of-network rates. We still recommend contacting your insurance provider for the most accurate information regarding your specific benefits.

Does DBT Center Chicago offer any assistance with the insurance reimbursement process?

Absolutely! To support our clients, we've teamed up with Mentaya, a service that can help you determine eligibility for reimbursement for our therapy services. Additionally, our administrative staff is readily available to provide any required documentation and to answer any questions you may have about navigating the reimbursement process.

Can I use my Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for therapy?

Yes, you can usually use your HSA or FSA to pay for therapy sessions. These accounts often cover mental health services, but we recommend checking with your account provider to confirm that our services are eligible expenses.

What forms of payment does DBT Center Chicago accept?

We accept various forms of payment, including all major credit cards, checks, and cash.

What is the cancellation policy for individual and group therapy sessions?

For individual sessions, we require at least a 24-hour notice to cancel or reschedule your appointment. If a session is canceled with less notice, you will be charged the full fee for the session. For group therapy sessions, you will be charged for your reserved spot regardless of attendance, as it is similar to reserving a seat in a class. We appreciate your understanding that this policy helps us manage our schedule and provide the best care to all our clients.