Fees and Insurance


Initial Session: $150
Ongoing Sessions : $140

Appointments missed or canceled with less than 24 hours notice will be charged the usual rate. Extenuating circumstances are considered when appropriate. Insurance benefits do not cover cancellation charges.


The Cradle’s Center for Lifelong Adoption Support is a Blue Cross Blue Shield (BCBS) of Illinois Preferred Provider Organization (PPO).

We will submit claims for clients who have BCBS PPO for their insurance. Seconday insurance claims are submitted by the client.

Before your first session, please check with your insurance provider about coverage for mental health services. Even if you carry BCBS PPO, your mental health benefits may be outsourced to another provider (i.e. United Behavioral Health, Value Options, etc.). Outsourced providers are considered out-of-network, meaning you will have to submit on your own for insurance reimbursement.

Clients are responsible for contacting their insurance companies and understanding their insurance benefits. Charges for services not covered by insurance, e.g., co-payments, deductibles, uncovered and ineligible services, and all charges for services provided over the maximum allowable benefit for the year, are the clients’ responsibility.

Changes in insurance coverage
Clients who change insurance companies while in therapy at The Cradle must immediately notify their therapist. A change in insurance while in therapy may mean that The Cradle can no longer be submitting claims on behalf of the client.

Other insurance or no insurance coverage
For all other insurance carriers, we ask that clients pay the session rate at the beginning of each session and submit their own claims. You will receive a receipt each session which will contain the full documentation necessary to submit claims. Payment may be made by cash, check or credit card.

For clients without health insurance, we ask that clients pay the session rate at the beginning of each session.

Please Note: Ultimate responsibility for payment rests with the client should there be any gap or shortfall in coverage.