Rates and Insurance

Effective July 1st, 2024,  Spring Tree’s rates for counseling sessions will be:


  • $200 for an initial session
  • $175 for a 55-minute session
  • $131.25 for a 45-minute session
  • $87.50 for a 30-minute session


Will my insurance cover the cost of sessions?
This depends upon the plan you have with your specific insurance company. Coverage varies widely between insurance plans. You will need to check with your insurance company to see if your sessions are covered, and if so, how much will be covered. For more information and a complete question guide please see the Client’s Guide to Verifying Insurance.

What if my insurance does not cover my sessions?
There are cases where some insurance companies will not cover your mental health needs. If your insurance is in this category, you have a couple of choices. You may decide to pay for your sessions out-of-pocket, or you may decide to reduce the frequency of your visits in order to lower the overall cost.

When I call my insurance company, how do I go about getting the answers I need?
Click here for a complete question guide: Client’s Guide to Verifying Insurance.

The Benefits and Risks of Using Insurance
The use of insurance can be a helpful way to help cover the costs of therapy. In some situations, insurance coverage might be the only way you or a member of your family can afford the care needed. Our administrative staff will file claims on your behalf and you will be responsible for payment of any balance insurance does not cover such as deductible, copayments or coinsurance.

There are, however, some considerations you may want to keep in mind in deciding whether or not to use insurance. The most obvious concern is privacy, especially in situations where benefits may be administered through your employer’s human resource department or a managed care company. Many managed care programs require additional information beyond a diagnosis and session dates, such as treatment summaries and goal statements to determine eligibility for ongoing benefits. Spring Tree is committed to preserving your privacy according to Health Insurance Privacy and Portability Act (HIPAA) and to providing insurance companies only what is required to attain coverage. Unfortunately, we can not make assurances about what happens to information after it leaves our office. Further, use of insurance of any sort creates a record that might come into play later on when completing applications for life, health or disability insurance.

There are also situations where the insurance benefit for mental health may be quite limited or situations where a deductible may be quite large. In such situations, you may need to weigh the expected benefit against the cost of sessions anticipated.

We can not advise you regarding your decision to use insurance but feel an informed decision is the best pathway to a good decision. For more information, see Insurance Considerations.

We are in-network with Blue Cross and Blue Shield PPO and will file claims for you. Some of our clinicians are also in-network with United Healthcare/Optum, which you can ask about before getting started. We can also process for you insurance paperwork for other PPO insurance plans. For HMO insurance plans, we can provide you with receipts for paid services. Coverage with insurers varies.


We accept cash, check, Zelle Quickpay, most major credit cards, and debit cards (HSA and FSA accepted) as forms of payment.

Cancellation Policy

If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session.

Got Questions?
Send a Message!

Please limit information provided to contact information only as this form is not deemed secure. You acknowledge and accept the risks of this communication. When you set up a session with one of our counselors, we will connect you to our secure and HIPAA compliant portal for entering confidential and Personal Health Information.

1007 Church St, Suite 302,
Evanston, IL 60201