Skip to content 
Fees & Insurance
Therapy That Works With Your Budget
Panahi Counseling in Wheaton, Illinois accepts most major insurance plans so you can focus on your mental health, not the cost. We serve adults, couples, and teens across DuPage County, Kane County, and all of Illinois through in-person and online therapy.
Insurance & Payment
Making Therapy Accessible
During your free intake call, our specialist will walk you through your benefits, including your deductible and co-pay, so you know exactly what to expect before your first session.
Accepted Insurance Plans
We are in-network with the following PPO plans for individual, couples, and teen therapy:
We are not currently in-network with Medicare or Medicaid plans.
We Verify Your Benefits
You don't have to figure out your insurance on your own. When you book your free intake call, our specialist will contact your insurance company directly and walk you through your coverage, including your deductible, co-pay, and any session limits.
The estimate is based on the information provided by your insurance policy, so there are no surprises when you start therapy.
Paying Out of Pocket
If you prefer not to use insurance, or if your plan is not listed above, you can pay for sessions directly. We accept credit card, debit card, cash, and check.
We keep a credit card on file to cover any outstanding balances for co-pays or deductibles. Payment is due at the end of each session.
Session Fees
Transparent Pricing
Your out-of-pocket cost depends on your insurance plan. With insurance, most clients pay only their co-pay or co-insurance per session.
Initial Session
50-minute session
Your first meeting to discuss your history, goals, and what to expect.
Individual Therapy
50-minute session
Ongoing weekly or biweekly sessions tailored to your needs.
Couples Counseling
50-minute session
Work through relationship challenges together with a trained therapist.
These are self-pay rates before insurance. With in-network coverage, your cost is typically limited to your co-pay. Have questions? Book a free consultation and we'll walk you through it.
Common Questions
Insurance & Payment FAQ
Have questions about your insurance coverage, session costs, or how payment works? Here are the answers to the questions we hear most often.
It means our practice has a contract with your insurance company. We provide your care and submit claims directly to your insurer on your behalf, so you only pay your co-pay or co-insurance at the time of your session.
If your insurance plan is not one we are contracted with, we are considered out-of-network. Your insurance may still cover a portion of the cost, but you would be responsible for the remaining balance. We recommend calling your insurance company to ask about out-of-network mental health benefits.
A deductible is the amount you pay out of pocket before your insurance starts covering services. For example, if your deductible is $1,000, you would pay the full session fee until you've spent $1,000 on covered services that year. After that, your insurance kicks in.
A co-pay is a fixed dollar amount you pay at each session. The amount depends on your specific insurance plan and stays the same each visit. For example, your plan might require a $25 co-pay per therapy session.
Co-insurance is the percentage of the session cost you are responsible for after meeting your deductible. For example, if your co-insurance is 20%, your insurance covers 80% and you pay the remaining 20% of the allowed amount.
We are not currently in-network with Medicare or Medicaid plans. If you have questions about alternative payment options, please reach out during your intake call and we'll help you explore what's available.
Non-covered charges are costs for services that your insurance plan does not pay for. You would be responsible for these charges out of pocket. Our intake specialist will help clarify what your plan covers before your first session.
If you want to check your benefits on your own, here are helpful questions to ask:
- Are mental health benefits covered under my plan?
- Do I have a deductible for mental health services?
- Are there co-payments or co-insurance for therapy?
- Can I see providers at Panahi Counseling, PC?
- Are there any visit limits on my mental health coverage?
Payment for co-pays or session fees is due at the end of each session. We accept credit card, debit card, cash, and check. We ask that each client keep a credit card on file to cover any fees that are denied or not paid by insurance.
We maintain a strict policy regarding late cancellations and no-show appointments. For full details, please visit our Cancellation Policy page.
Get Started
Ready to Take the First Step?
Book a free 15-minute call with our intake specialist. We'll verify your insurance benefits, answer your questions, and match you with the right therapist.
Book Your Free Consultation