Cathedral Counseling Center was founded on the belief that mental health services should be excellent, affordable, and available to anyone in need. Thanks to the generosity of our supporters, including our therapists who give back by reducing their hourly rates, fees are based on the client's ability to pay.

How Fees Are Set

After you inquire about services at Cathedral Counseling Center, you will have a phone interview with an intake counselor. If you are in need of financial assistance, they will ask preliminary questions about your financial resources and give you an estimated fee. After you provide proof of income, Operations staff will have a more detailed discussion with you about your finances and work with you to establish your sliding scale fee. All clients will be responsible for sessions missed without 24 hours notice. 

• Fees are based on your household financial situation.
• Financial assistance will apply to those with high deductible insurance coverage
• You will sign a fee agreement, which is kept on file with your records. 

Insurance Information

Cathedral Counseling Center is a contracted provider for the following insurance companies:

• Aetna PPO
• Blue Cross/Blue Shield PPO
• Blue Choice PPO
• Medicare Part B
• United Healthcare PPO

Cathedral Counseling Center provides in-network services for students with insurance from the following universities:

• Northwestern University
• School of the Art Institute
• University of Chicago (Referral required from the Student Counseling Center)

Cathedral Counseling Center is considered out-of-network for the following insurance companies. The agency will submit your claims and let you know what benefits they provide:

• Cigna PPO
• Humana PPO

The following insurances will not cover mental health services at Cathedral Counseling Center:

• All HMOs 
• Medicaid
• Aetna Better Health 
• Ambetter
• Blue Cross Blue Shield MMAI
• Blue Cross Blue Shield Community Care
• County Care
• Illini Care

The following is a list of questions to ask your insurance company before you receive mental health services at Cathedral Counseling Center:

1. Are mental health benefits covered under my insurance plan?
2. Does my insurance plan manage my mental health benefits or does it outsource to another agency?
3. Do I need pre-authorization from my insurance company before I can see a mental health professional?
4. Do I have a deductible for services?
5. Are there co-payments or co-insurance for services?
6. Can I see providers at St. James Cathedral Counseling Center, Tax ID# 36-2802086?
7. Will these services be considered in- or out-of-network?
8. Are there any visit limits on my coverage for my mental health benefits?

Glossary of Terms:

Deductible:  The amount you must pay before your health insurance company starts to pay for care, for example, $1000 per individual. In most cases, a new deductible must be satisfied each calendar year.

Co-payment: A fixed dollar amount designated by your insurance that is your responsibility. The amount would depend on your benefit plan and would be the same each time.

Co-insurance: The part of your bill, which may be additional to a co-payment. Co-insurance is a percentage of your total allowable, for example, 20%.

In-network: The agency has a contract with the insurance company and provides you with care and submits your claim directly to the insurance.

Out-of-Network: The agency is not contracted with the insurance company to provide you with treatment, but insurance may cover some of the cost. You are then responsible for the rest.

Non-Covered Charges: These are costs for therapy that your insurance does not pay.