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Insurance

Refuge works with Illinois Medicaid and some employer insurance plans. We do not take Medicare yet: if you have Medicare, we help you find someone who does. If you have no insurance, or your plan does not cover therapy, see the fee set by your income.

If you pay yourself

Refuge is a nonprofit clinic and does not charge one fixed price: the fee is set by your household income and how many people live on it. The fee also depends on the kind of session and its length: 60 minutes for the first, 50 for an individual session and 60 for a family session. A limited number of spots have a reduced fee; ask how to request one. Payment is due at the end of each session, by card, including HSA and FSA cards. We give you the fee in writing before the first session. We ask for 24 hours' notice to change an appointment.

Receipts for reimbursement

Each month we give you an itemized receipt (a superbill) with the dates and the type of session, to send to your plan, which may reimburse part of the cost. It carries a diagnosis code that your insurer can see. Your plan decides whether it reimburses anything: ask it before you start.

An estimate in advance

If you pay without insurance, you have the right to receive a written estimate of what your care will cost before you start. We give you one before the first session. If the final bill is $400 or more above the estimate, you can dispute it. The estimate is not a contract.

Checking your benefits

If you use Medicaid or an insurance plan, someone on our team checks your benefits before the first session and tells you what to expect. If you pay yourself, there is nothing to check.