Insurance & Cost
In-network with BCBS PPO, Aetna PPO, United Healthcare PPO, and Medicare — and we bill out-of-network benefits on your behalf for other plans
Most therapy practices in Naperville either don’t take insurance at all or pass the billing work to you. We do neither. We’re paneled with the major PPO plans and Medicare directly, and for other coverage we bill your out-of-network benefits on your behalf — so the financial side doesn’t sit between you and starting therapy.
Naperville · DuPage County · In-network with major PPO plans and Medicare
Plans we bill directly.
We accept original Medicare for psychological services. Coverage for adult therapy and psychological testing is included.
Blue Cross Blue Shield of Illinois (PPO)
We’re paneled with BCBS PPO plans through Blue Cross Blue Shield of Illinois. This includes most employer-sponsored PPO plans in the Chicagoland area.
Aetna (PPO)
We’re paneled with Aetna PPO plans. Aetna HMO plans typically require a referral; PPO plans don’t.
United Healthcare (PPO)
We’re paneled with United Healthcare PPO and Optum behavioral-health plans.
Medicare
We accept original Medicare for psychological services. Coverage for adult therapy and psychological testing is included.
We bill your out-of-network benefits on your behalf.
If your plan isn’t on our in-network list, you’re not on your own. We bill your out-of-network benefits directly to your insurance carrier on your behalf. You don’t gather superbills, you don’t submit claims, you don’t chase reimbursement. We handle that. Typical out-of-network reimbursement on a PPO plan runs 50–80% of the session fee after your deductible, depending on plan details. Before your first session, we verify your specific coverage — out-of-network deductible, reimbursement rate, session limits — so you know exactly what to expect. This is genuinely unusual for a Naperville practice. Most non-paneled therapists ask you to submit superbills yourself. We don’t do that. It’s a deliberate part of how we make therapy actually accessible.
Standard rates and sliding scale.
Health Savings Account and Flexible Spending Account funds can be applied to therapy and testing services. We provide the documentation needed for HSA/FSA reimbursement.
Session lengths
– Individual therapy: 55 minutes – Couples therapy: 55 minutes – Telehealth sessions: 60 minutes – Psychological testing: scheduled in extended blocks; report turnaround is about one month from the final testing session — faster than the field average
Limited need-based sliding scale
We hold a small number of need-based sliding-scale slots. These are limited and prioritized by demonstrated financial need — they’re not a general affordability feature. If cost is a barrier, ask intake at (630) 474-1006 and they’ll tell you whether a slot is currently available.
HSA / FSA
Health Savings Account and Flexible Spending Account funds can be applied to therapy and testing services. We provide the documentation needed for HSA/FSA reimbursement.
Treatment duration — what to expect.
Most evidence-based therapy at Gryzbek runs six to nine months for a full course. Some presentations resolve faster — focused work on a single life transition can run a few months. Some take longer — complex trauma, postpartum work with comorbidities, or couples work after significant rupture often runs longer. We talk about treatment duration in months, not session counts. We don’t promise “12 sessions to feeling better” — that framing is misleading. What we can promise is that we won’t pad sessions to keep clients in care longer than the work requires. The goal is for therapy to end. Psychological testing runs as a separate engagement — initial consult, scheduled testing blocks, and a written report within about one month of the final testing session.
We follow the No Surprises Act and provide Good Faith Estimates for self-pay services as required. Your written estimate is shared before your first session.
How do I verify my coverage?
Call us at (630) 474-1006 with your insurance card. We’ll check your in-network status, your copay or out-of-network reimbursement rate, your deductible, and any session limits. This usually takes 24-48 hours.
Do you offer an intake conversation?
No. We book directly into a first session — clinicians prefer to spend the time doing actual clinical work rather than on sales calls. If the first session isn’t the right fit, we’ll tell you and we won’t bill ongoing.
Do I need a diagnosis to use insurance?
Insurance billing for therapy does require a diagnostic code from the clinician — that’s how mental-health insurance works in the United States, not something specific to our practice. Codes are confidential within your medical record. If you’re concerned about how this works, ask at intake and your clinician will walk through it.
Can I use HSA or FSA funds?
Yes. We provide the documentation you need for HSA/FSA reimbursement.
How does Medicare work?
Original Medicare covers psychological services including therapy and psychological testing. We bill Medicare directly. Medicare Advantage plans have different rules depending on the carrier — call us and we’ll verify whether your specific Advantage plan is one we work with.
What about no-surprise-billing protections?
We follow the No Surprises Act and provide Good Faith Estimates for self-pay services as required. Your written estimate is shared before your first session.
Do you take insurance?
We’re in-network with Aetna, BlueCross and BlueShield, Medicare, and UnitedHealthcare, and we bill out-of-network benefits on your behalf — you won’t submit superbills yourself. Reach out and we’ll help you check your specific plan.
How much do sessions cost?
Therapy sessions are 55 minutes — $200 for individual sessions and $175 for couples sessions. Psychological testing and ADHD evaluations are priced as packages by scope. We’ll give you clear numbers for your situation.
What if you’re out of my network?
We bill out-of-network benefits for you, so many clients with PPO plans are still reimbursed. We’ll help you understand what to expect before you start.
Do you offer a sliding scale?
We keep a limited number of need-based sliding-scale spots. Ask us about current availability; we’ll be straight with you about what we can offer.
Other Therapy Services
More services at Gryzbek Therapy
Individual Therapy · Couples Therapy · Marriage Counseling · Family Therapy · Co-Parenting Therapy · Adolescent Therapy · Telehealth Therapy · Psychological Testing · ADHD Testing & Evaluation
Related Specialties
Anxiety Therapy · Depression Therapy · OCD Therapy · Trauma Therapy · Postpartum Therapy · Grief & Bereavement · Stress Management · Life Transitions · LGBTQ+ Affirming · Multicultural Counseling · Executive Function · Sports Performance · Women’s Issues · Caregiver Therapy · Faith-Based Therapy
Verify your benefits before your first session.
Sleep Disorder Therapy · Anxiety Therapy · Depression Therapy · OCD Therapy · Trauma Therapy · Postpartum Therapy · Grief & Bereavement · Stress Management · Life Transitions · LGBTQ+ Affirming · Multicultural Counseling · Executive Function · Sports Performance · Women’s Issues · Caregiver Therapy · Faith-Based Therapy
Gryzbek Therapy does not provide emergency or crisis services. In a mental health emergency, call or text 988 or go to your nearest emergency room.