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Insurance

Payments

We accept major credit cards, cash, and personal checks as payment for your co-pay and/or outstanding balances. However, please note that if you choose to pay by personal check and your check bounces for lack of available funds, you will be assessed a non-sufficient funds fee by our office and checks will no longer be accepted from you for future payments.

We also offer a limited financing program for outstanding balances. Please contact our office if you would like to set up a finance program for your balance.

Insurances We Accept

We accept Medicare and most major insurances. Some commercial insurances we generally accept include BlueCross BlueShield, United Behavioral Health, Aetna, Cigna, Magellan, Great West, Humana, and many others. We DO NOT accept workers' compensation insurance. If you are not sure if your insurance is accepted, just call our office at (847) 895-4540 and make an appointment. We'll be sure to check your insurance prior to your next visit. Please keep in mind that you will be held responsible for any balances remaining after your insurance pays or if your insurance chooses not to pay (due to inactive coverage, a pre-existing condition clause, or other reasons).

How Insurance Works

You Pay:

Premium = $ paid monthly/annually to your insurance company for coverage
Deductible = $ per visit OR $ you must pay per policy period (usually 1 year term) before your insurance pays anything for services rendered, paid to your medical service provider (BHCA)
Co-Insurance = % share of the cost of each visit/service, paid to your medical service provider (BHCA) once your deductible is met
Co-Pay = Set dollar amount that you pay for each visit/service, paid to your medical service provider (BHCA)
In most cases, you pay a co-insurance OR a co-pay
Out of Pocket = $ you must pay in total (may include deductible and usually includes co-insurance) for all covered visits/services in a benefit period before your insurance pays for services at 100%. This is not a separate payment, but rather a running total of other payments you have made.

Your insurance company pays the BALANCE after deductible and co-insurance or co-payment, if any, for each visit/service, subject to policy terms. The service must be a covered benefit to be reimbursed by the insurer. For instance, if you have a pre-existing condition clause on your policy, certain types of visits/services may not be covered for up to 18 months (and will be 100% the patient's responsibility) while the clause applies. A pre-existing condition clause may exist on your policy if you experience a lapse in coverage. Also, if you do not pay your premium, your insurance company may choose to terminate your coverage, and you will be held liable for any charges incurred while your coverage was inactive.

All insurance policies and coverages are different. The best way to learn more about your insurance is to contact your insurance company directly. You can often find a customer service number on the back of your insurance coverage card. You can also find more information on your insurance company's website.

Listed below are links to the websites of a few major insurance companies:

  • BlueCross BlueShield of Illinois
  • Aetna
  • Cigna Behavioral Health
  • United Behavioral Health
  • Magellan Behavioral Health

Please note that by clicking on a link above, you will be redirected to that company's website. These companies are not affliated with Behavioral Health Care Associates and our providing of these links does not constitute an endorsement of the information provided by the companies on these websites. For informational purposes only.