Therapy Rates & Insurance
We accept most major insurance plans, offer a sliding scale for self-pay clients, and provide reduced-fee sessions with clinical interns. Whatever your situation, we’ll help you understand your costs before your first appointment.
Mosaic Nature Therapy will not turn anyone away, even if you do not have the money to pay. We offer reduced-fee sessions and sliding scales to make sure everyone gets care.
How Much Will Therapy Cost?
With Insurance
You pay your copay, coinsurance, or deductible, and we handle the rest.
Costs vary by plan. We verify your benefits before your first appointment so you know exactly what to expect.
Private Pay
Private pay offers more flexibility, privacy, and a more personalized approach.
- Couples Therapy: $165
- Family Therapy: $195
- Individual Therapy: $165
We offer sliding scales for clients starting at $0. We never want cost to stop you from getting care.
Reduced-Fee Sessions
Sessions with a supervised clinical intern can be at no cost to you. This is a great option for students, young adults, and first-time therapy clients.
Not sure which applies to you? Call or text us at 773-888-9830, and we’ll figure it out together before you commit to anything.
Insurance Plans We Accept
We’re in-network with a wide range of commercial, Medicaid, and Medicare plans. If you don’t see your plan listed, call or text us at 773-888-9830, and we’ll check for you before your first appointment.
Commercial PPO & EAP Plans
- Aetna (PPO, POS, Choice plans)
- Blue Cross Blue Shield / Blue Choice / Anthem Cigna / Evernorth
- ComPsych and EAPs (contracted only, referral required)
- United Healthcare (LCPCs and LCSWs only)
- Meritian Health Optum (LCPCs and LCSWs only)
- UMR (LCPCs and LCSWs only)
- United Healthcare Student Resources / USHIP (LCPCs and LCSWs only)
- TriCare West
- First Health Network
- HMO plans (accepted by select providers)
Illinois Medicaid Plans
- Blue Cross Community Health Plans
- Meridian Health Plans
- Molina
- CountyCare
- YouthCare
- AmBetter
- IL Medicaid
- IL Medicaid All Kids
- Aetna Better Health
Medicare & Payment Methods
Medicare:
- Blue Cross Blue Shield MMAI
- Medicare A&B
We also accept:
- Credit or debit cards
- HSA / FSA cards
- EAP codes
Understanding Your Insurance Coverage
When you use insurance for therapy, your out-of-pocket cost depends on your specific plan. You may be responsible for:
- A copay (a fixed amount per session)
- A deductible (an amount yuo pay before insurance kicks in)
- Coinsurance (a percentage of the session cost)
We verify your benefits before your first appointment so you know what to expect. We know how important it is to have a clear picture of costs before committing to therapy, so we make sure you know what your cost will be before your first appointment.
Private Pay & Sliding Scale
Private Pay rates
If you prefer not to use insurance, our private pay rates are:
- Individual therapy: $165 per session
- Couples therapy: $165 per session
- Family therapy: $195 per session
Private pay offers more privacy, more flexibility in what you work on, and lets you skip the insurance authorization process entirely.
Sliding Scale & Reduced-Fee Sessions
We don’t want cost to stop you from getting the support you need, so we offer options for our clients starting at $0 and up.
We offer a sliding scale fee based on income for qualifying clients. We also offer reduced-fee sessions with supervised clinical interns. This is an excellent option for:
- Students
- Young adults
- First-time therapy clients
- Anyone without insurance coverage
Ask us about availability when you reach out.
Ready to Get Started?
We’ll verify your insurance, explain your costs clearly, and match you with a therapist who fits your needs and budget. Find in-person therapy in Homewood, IL, and virtual therapy across Illinois today.