Investment &
Insurance

Therapy can feel like a big investment–I get it. But when you invest in your own health and well-being, everyone wins.

Woman sitting at a computer with a plant and stack of books next to a chair and waste basket for online marriage counseling
Side table with a lit candle and cup of tea next to a chair for online family therapy

Time

I purposefully don’t overload my schedule and intentionally limit my clients because I want to be available for anything that pops up for you in between sessions.

I want you to know that this is a two-way commitment: when you commit to therapy, I commit to you and to helping you achieve your goals. My plan isn’t to work with you forever, but to work next to you & offer tools to build confidence to get you on your way.

Many of my clients stick with me long-term, but we can achieve plenty together in just a few short months.

White table with a book, pen and cup of tea next to a chair for online marriage counseling

Rates

AN IMPORTANT NOTE: I do not accept health insurance.

I choose to work with you and not for insurance companies; this allows me to create a treatment plan that works for you and your unique. Paying out-of pocket is best for people who want optimal confidentiality.

After your free consultation the following fees apply:

Initial individual assessment intake, 60-75 minutes, $200

Individual session, 50-55 minutes, $175

Couple or Family session, 60 minutes, $250

Check your Out-of-Network Benefits for Free Below:

  • It’s normal and natural to have lots of questions before you begin the process to make sure your investment will be worthwhile. On this page, you’ll find some of the most common questions clients have before starting therapy. If you don’t see your question answered here, please email connect@zellertherapy.com, or text/call 630-556-7500 so we can make sure you get the answers you need.

    I choose to work with individuals (you), not for insurance companies. Because of this, I am not paneled with any insurance carriers. However, many insurance companies reimburse for ‘out-of-network providers’ (typically PPO insurance plans). If you're unsure if you have out-of-network benefits, call your insurance company and ask about whether or not they offer reimbursement for behavioral health, at what percentage, and whether you need to hit a deductible first. It's worth asking the questions and advocating to get the best therapist fit for you! Please be sure to inform them that services will take place via Telehealth.

    I do not accept health insurance and am strictly an out-of-network provider. I am happy to provide you with proof of service (Superbill) for you to submit to your insurance company following our sessions.

  • If private pay does not seem feasible, please consider the following options:

    1. Contact your insurance provider and ask about your out-of-network benefits. Your insurance may cover all or a portion of your sessions.

    2. Use your Health Savings Account (HSA) or Flexible Spending Account (FSA). Put your pre-taxed dollars to good use by investing in your mental health.

    3. Check to see if you or your spouse’s employer has an Employee Assistance Program (EAP). EAP is a benefit that allows the employer to pay for a set number of sessions to each employee.

    4. Call your tax professional to see if you can claim therapy as an out-of-pocket health expenseAccepted Forms of Payment

    I accept all major credit cards (Visa, MasterCard, American Express and Discover), as well as HSA (Health Savings Account) and FSA (Flexible Savings Account) cards. You will enter this information in your secure client portal before our first session and will be billed automatically at the completion of each session. Payment is due at the time of service.

  • Below is a list of questions you can ask your insurance company to find out more information on your benefits:

    1. What is my deductible and has it been met? Is there a separate deductible for mental health?

    2. What are my out-of-network benefits for mental health?

    3. Is there a limited amount of covered sessions per year?

    4. What is the allowable amount or percentage of reimbursement per session? This will tell you what your insurance will cover and what your potential out of pocket cost (co-pay) will be.

    5. What is needed for reimbursement? Do I need a referral?

    6. How much does my insurance plan reimburse for an out-of-network provider for CPT codes 90791, 90837 and 90847

“Trauma is not what happens to us, but what we hold inside in the absence of an empathetic witness.”

– Dr. Bessel van der Kolk

GOOD FAITH ESTIMATE INFORMATION:

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises