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    Rates & Insurance

    Rates

    Session rates are $180 for the initial session, $160 for a 55-minute therapy session and $120 for a 45-minute therapy session. Information regarding potential additional fees apart from therapy sessions, such as consultation with other professionals, is provided to new clients.

    Insurance

    What insurance is accepted?

    Dr. Houdek is an in-network provider with Blue Cross and Blue Shield of Illinois, Preferred Provider Operations (BCBSIL PPO plans). Dr. Houdek is considered an out-of-network provider for all other insurance plans.

    Can I work with Dr. Houdek if my insurance plan is different than BCBSIL PPO?

    Dr. Houdek accepts clients with other forms of insurance but is considered an out-of-network provider. Please review this disclosure notice regarding out-of-network billing

    What about paying out of pocket?

    Self-pay or private pay clients (clients who are paying out of pocket without the use of insurance) are also accepted.

    ​Does my insurance cover all fees? How do I know what I owe?

    As a courtesy, Dr. Houdek will gather your insurance information during the initial phone consult and may complete a benefit check to determine any costs owed prior to the initial session with client permission. Where applicable, Dr. Houdek will provide a Good Faith Estimate to clients regarding expected charges. Clients are also advised to speak with their insurance company directly to gain an estimate of any fees owed at the time of services, such as a co-pay/co-insurance/deductible. Clients can contact their insurance provider by calling the customer service phone number on the back of their insurance card.

    What is a copayment (copay):

    A fixed fee that you pay at each session. This rate does not change and is due at the time of service. For example, some individuals may have a $25 copay that is paid by the client at each session.

    What is coinsurance:

    This fee begins once you have met your yearly deductible. Your insurance provider will pay a portion/percentage of the session fee and you are responsible for the remaining portion/percentage. For example, many individuals have a 20% coinsurance in which they pay 20% of the session fee.

    What is a deductible:

    The amount of money you must pay out-of-pocket before insurance begins to cover your fees. This amount generally starts over at the beginning of each calendar year.

    Can I pay with a credit card?

    Any fees, such as a copay if applicable, are due at the time of service. Dr. Houdek accepts all major credit cards, including health/flexible spending accounts. Dr. Houdek uses IvyPay, a HIPPA-secure electronic payment application to take credit card payments.

    Dr. Houdek does not accept cash or check payments. A credit/debit card must be used to pay for services.

    Cancellation Policy

    If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you will be charged a late cancellation or failed session fee.

    Any Other Questions

    Please contact me for any additional questions you may have. I look forward to hearing from you!