Fees & Payments

Payment policies:

Co-pays and insurance deductibles not covered by insurance are the patient’s responsibility. Patients are expected to pay co-pays after each session. We accept cash, check or credit card. We ask that each patient have a credit card number on file to cover past due bills that are not paid by the client after 90 days.  As an alternative, patients may choose to have outstanding balances for co-pays and deductibles charged to a credit card once a month for convenience.

Paying with Health Insurance:

Individual insurance plans offer a variety of benefits to pay for therapy. Most insurance plans carry annual deductibles and co-insurance fees for mental health services. However, changes in health care laws means that mental health services are treated in the same way as medical services.  This offers most patients have more coverage available for mental health therapy.

Our office in Naperville ( Isenberg & Associates) processes all our insurance claims. We accept most insurance plans including PPOs and many EAP plans. It is our policy to check each individuals insurance benefits to clarify the exact coverage, co-pays and deductibles. 

All our counselors are independent practitioners and have individually choose which insurance company panels they accept. Therefore, not every Associates in our offices are on every insurance plan.  However, as a combined staff we accept almost all plans (except for HMOs). Clients may also choose to work with their therapist as an out-of-network provider and still receive some coverage benefits from their insurance.

Below is a general list of insurance companies that we accept. Before your first appointment, you should check with your therapist to make sure he or she is part of the insurance company’s panel. Insurance plan often merge and affiliations can change. If your plan is not listed here, please feel free to ask us if we have a therapist in your plan. Occasionally, we join specific insurance panels to meet our patients' needs.

Paying Yourself:

Some people who are concerned about privacy for counseling or lack of insurance coverage for mental health, choose to pay for therapy themselves. For some it is important not have a record of counseling information that can be accessed by insurance companies. This can be important with making decisions regarding future applications for medical, life, disability or long-term care insurance. In other situations such as marital counseling, a spouse must be diagnosed with a psychiatric condition in order to utilize existing medical insurance. Therefore, many who seek martial counseling often pay themselves.

Others may consider to pay for therapy out of pocket for personal reasons or because they are seeking help with difficult business or personal relationships. When pay for counseling yourself, you complete privacy is assured within the limits of state and federal laws.

For work-life issues, family business coaching, executive coaching, professional private-practice consultation, conflict management or team skill building, consultation for professional coaching is a legitimate business expense.

We accept the following payment arrangements:

• Check or Cash
• Monthly Payment Plan
• Major Credit Cards for Self-Pay or Deductible
• Medical Expense Accounts
• Flexible Spending Options at Work
• Payment as a Business Expense
• Employer Payment for Executive Coaching

We Accept:

• Cash
• Check
• Major Credit Cards
• Payment Plans

Accepted Insurance Plans

This is a partial list of the insurance plans accepted at Isenberg & Associates and Dunham Counseling Center. Our contracted insurance plans change often as we regularly add new insurance providers. If your insurance plan is not listed here, call our office to check for more current information. Please call us at 630-355-8410.

Accepted Health Insurance and EAP Providers:

• Aetna
• APS Healthcare
• BCE Emergis (MultiPlan linked)
• Beech Street
• Blue Cross Blue Shield PPO
• CCN (First Health linked)
• Cigna
• Compsych
• Core Source
• CorpHealth
• Employee Resource Systems
• ENI (Employee Network)
• First Health
• HMO Illinois (NHCA linked)
• Humana
• Health Network (Multiplan linked)
• HFN
• HealthNet/TriCare
• Humana
• IBEW Local #705 Program
• Integrated Behavioral Health
• Naperville Healthcare Associates NHCA-PHO affiliated with Edward Hospital linked Physicians)
• Managed Health Network (MHN)
• Magellan
• Motorola Plan (APS)
• Multiplan
• Preferred Plan (MultiPlan linked)
• Preferred Health Network
• Perspectives
• Principal
• Private Healthcare Systems (PHCS)
• United Behavioral Health
• Unicare
• Value OptionsWellpoint
• Wellmark (MultiPlan linked)