BILLING & INSURANCE
Billing & Insurance
Affordable, Transparent Care at Allen’s Family Counseling Center (AFCCChicago)
Overview
At Allen’s Family Counseling Center (AFCCChicago), we believe that access to quality behavioral health, mental health, and substance use treatment should be simple, transparent, and stress-free.
Our dedicated billing team ensures every client receives clear communication regarding insurance coverage, out-of-pocket costs, and available financial options.
Comprehensive Billing Support
AFCC offers full billing and claims management services for all current and prospective clients.
Our Billing Manager confirms insurance eligibility, verifies benefits, and manages claims processing to ensure accuracy and timely filing.
If you have any billing questions, please reach out to our office at 📧 billing@afccchicago.com or 📞 (312) 912-7008
Payment Methods
To make the payment process easy, we require all clients to keep a credit or debit card on file when completing intake paperwork through our secure, HIPAA-compliant portal.
After each session, your card will be processed for any applicable:
Session fees
Co-pays or deductibles
Missed appointment or late-cancellation fees
We accept:
💳 Credit/Debit Cards 🏦 Zelle 📱 Venmo 💸 Cash App 🍎 Apple Pay 💻 PayPal 💵 Cash
Clients using FSA or HSA accounts may request an itemized receipt for reimbursement.
Special payment accommodations can be arranged upon request.
Missed Appointments & Cancellations
We value your time and reserve appointment slots specifically for you.
Please provide at least 24 hours’ notice to cancel or reschedule an appointment.
Appointments canceled with less than 24 hours’ notice—or no-shows—may incur a $30 fee, which cannot be billed to insurance.
Insurance Plans Accepted
AFCCChicago is in-network with many major insurance plans for behavioral health, mental health, and DUI services, including:
Blue Cross Blue Shield (BCBS)
UnitedHealthcare (UHC)
Cigna
Select Aetna Plans
We also accept the following Illinois Medicaid & Medicare Plans:
Aetna Better Health of Illinois
BCBS Community Health Plan of Illinois
CountyCare Health Plan
Meridian Health Plan
Molina Healthcare
YouthCare (Meridian)
WellCare
Humana Healthy Horizons
UnitedHealthcare Community Plan (Medicaid)
Zing Health Medicare Advantage
If your plan is not listed, services may be available under out-of-network benefits.
We will provide a superbill (itemized treatment receipt) for you to submit to your insurance company for direct reimbursement.
Out-of-Network & Private Pay
If AFCC is not contracted with your insurance plan, you are responsible for the full session cost at the time of service.
Many PPO plans (like BCBS PPO) still reimburse for out-of-network behavioral health services.
We recommend calling your insurance provider to verify coverage before your first appointment.
Please note: Medicare does not reimburse for out-of-network services.
Sliding Scale & Financial Assistance
AFCCChicago proudly offers a Sliding Scale Fee Program to make treatment affordable for all clients, based on gross household income.
Clients may qualify for reduced fees by submitting proof of income (recent pay stubs or tax returns).
Sliding scale and payment plans must be reviewed and approved by management.
Our Patient Care Coordinators are happy to assist you with the application process.
DUI Program Payment Policy
For clients participating in our Illinois-Approved DUI Risk Education and Treatment Programs:
A 20% down payment is required to begin services.
A 5% convenience fee applies to all payment plans.
Payment plans are available in 2, 4, 8, 16, or 20 payments, depending on program length.
$20 late fees apply to missed or delayed payments.
Early payoff rewards are available for clients who complete payments ahead of schedule.
Sliding scale options are available for qualified clients.
Questions or Support
Our team is here to help every step of the way.
For questions about billing, payment options, or insurance verification, please contact:
📧 billing@afccchicago.com | 📞 312-912-7008
We Provide a No-Cost/No-Commitment Verification of Your Insurance Coverage. It's Fast and Worry-Free.
Does Insurance Cover Therapy for Behavioral Health and Substance Use?
Understanding Your Coverage for Mental Health, Addiction, and Recovery Services
One of the biggest barriers to seeking help for mental health challenges or drug and alcohol dependency is often the cost of treatment. At Allen’s Family Counseling Center (AFCCChicago), we understand that taking the first step toward healing is already difficult — worrying about insurance shouldn’t make it harder.
Behavioral health and substance use treatment are both recognized as medical services, and most insurance plans cover at least part — and sometimes all — of these services. Depending on your policy, care may fall under mental health, behavioral health, or outpatient treatment benefits.
Each insurance provider has its own rules for coverage, co-pays, deductibles, and pre-authorization requirements, so it’s important to confirm your plan’s details. Our billing and intake team can help you verify your benefits, explain out-of-pocket costs, and guide you through every step of the process so that finances never stand in the way of care.
Insurance Coverage for Behavioral Health & Addiction Treatment
Allen’s Family Counseling Center is in-network with a wide range of insurance carriers that cover both behavioral health and substance use disorder services, including:
Blue Cross Blue Shield (BCBS)
UnitedHealthcare (UHC)
Cigna
Select Aetna Plans
Illinois Medicaid Managed Care Plans:
Aetna Better Health • BCBS Community Health • CountyCare • Meridian • Molina • YouthCare • WellCare • Humana Healthy Horizons • UnitedHealthcare Community PlanMedicare & Dual Advantage Plans:
Zing Health • WellCare • Humana • BCBS • Aetna
If your insurance isn’t listed, we can often bill out-of-network and provide an itemized receipt (superbill) for direct reimbursement from your carrier.
We also offer private pay and sliding scale payment options based on verified household income.
Behavioral Health & SUD Services Covered by Most Plans
Most insurance plans provide coverage for:
Individual, group, and family therapy
Substance use counseling and relapse prevention
DUI Risk Education and treatment
Psychiatric assessment and medication management
Case management and care coordination
Telehealth sessions for behavioral health or addiction treatment
Coverage levels vary, but our staff will help you understand exactly what’s included in your plan before services begin.
Our Commitment to Accessible Care
At AFCCChicago, we believe that healing should be accessible to everyone — whether you’re managing anxiety, depression, trauma, or addiction.
We’ve worked hard to ensure our services are recognized by a broad network of insurance carriers, helping clients receive quality care without unnecessary financial strain.
If you’re uncertain whether your plan covers behavioral health or substance use treatment, we’re here to help.
Contact our billing department or complete our Insurance Verification Form, and we’ll review your coverage quickly and confidentially.
We’re Here to Help You Heal
Your well-being matters. You deserve compassionate, professional care that fits your budget and your goals.
Whether you’re starting therapy, continuing recovery, or entering a DUI program, Allen’s Family Counseling Center is ready to help you every step of the way.
