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Center For Emotional Wellness of the Northwest Suburbs

Costs & Insurance

We’re here to help you find the best option for you.

We’re glad you’re here and want to help make your experience welcoming and as stress-free as possible. We also aim to be as transparent as possible with service, payment and insurance options. Please see our costs and insurance options below.


Our self pay rate is as follows (*We are updating our rates):

90791 $225 (evaluation)

90847 $175 (family)

90834  $175 (45 min)

90853 $60 (Group)

90837 $200

90846 $175 (family)

90832 $125

Life Coaching $200


To best understand your mental health insurance benefits including coverage, deductibles, co-pays, as well as confirmation of in-network providers, please contact the telephone number on the back of your insurance card or ask one of our intake specialists for assistance.  If you choose to see a provider who is not in-network for your plan, we are happy to provide you with a Superbill to submit to your insurance company for reimbursement if applicable.

In-network Providers

  • Blue Cross Blue Shield PPO (All Clinicians)
  • Aetna (All Clinicians)
  • United Behavioral Health (Jacqueline Rhew, Kathleen Berger, Corey Smith, Andrew Sanchez & Sheila Tanner)

Good Faith Estimate of Costs

You are entitled to receive a Good Faith Estimate that shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created.

The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill.

If you are billed for more than this Good Faith Estimate, you have the right to dispute the bill. or call (800) 368-1019.

For questions or more information about your right to a Good Faith Estimate or the dispute process, visit or call (800) 368-1019.

When you receive a copy of your GFE, keep a copy in a safe place or take pictures of it. You may need it if you are billed a higher amount.

Your Rights and Protections Against Surprise Medical Bills


When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for:

    • Emergency services. If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
    • Certain services at an in-network hospital or ambulatory surgical center. When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.
    • If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

When balance billing isn’t allowed, you also have the following protections:

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
  • Your health plan generally must:
    – Cover emergency services without requiring you to get approval for services in advance (prior authorization).
    – Cover emergency services by out-of-network providers.
    – Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
    – Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
Feel free to contact us directly with any billing related matters at (815)526-3750
If you believe you’ve been wrongly billed, you may contact or call (800) 368-1019.
For more information about your rights under federal law, visit