Payment Options & Insurance
Restore Counseling & Recovery is currently in-network with many of the major insurance carriers in Northern Illinois. Although this is not a definitive list, some of the policies that we currently accept are:
- The Alliance
- Anthem BCBS
- BCBS of Illinois
- BCBS Federal Plan
- BCBS PPO/Choice Blue
- Empire BCBS
- Health Alliance
- HFN – Healthlink
- Humana Gold Plus
- Northern Illinois Health Plan (NIHP)
- Mental Health Network (MHNet)
- United Health Care (UBH)/Optum
Many employers today fund Employee Assistance Programs (EAPs) to assist individuals when they are struggling personally and relationally. We’d encourage you to check with your employer’s human resource manager to inquire if you have coverage through an EAP Service. Many times you can request to be seen by an EAP provider without an initial out-of-pocket expense for your first few visits.
You will need to contact your insurance company prior to your first visit. Most companies require an initial authorization from them before you can choose to work with a licensed clinician. Below are some of the questions that are important for you to ask when calling your insurance carrier:
- Is my provider in or out of network?
- Do I need prior authorization?
- What is my deductible?
- What portion of my deductible is met?
- What is my co-payment or co-insurance?
- What is my annual maximum?
Keep in mind that your insurance offers no guarantee of payment by issuing you an authorization for services. If you are uncertain about your coverage and limits, and whether you might have exceeded your benefits, call our accounting office for eligibility and benefit assistance. Furthermore, many insurance carriers today allow their members to check their benefits and eligibility on-line and apply for authorizations for treatment there as well. All payments, deductibles and co-payments are due at the time of your counseling service.