The Family Institute is a member of the Blue Cross Blue Shield of Illinois (BCBS-IL) Participating Provider Organization. Before your first session, we encourage clients to check with their insurance provider about their coverage for mental health services.

Not all Blue Cross/Blue Shield PPO policies are accepted as your mental health benefits may be outsourced to another provider (i.e. United Behavioral Health, Magellan, Compsych, etc.). Outsourced providers are considered out-of-network and you will have to submit on your own for insurance reimbursement. Be sure to find out which licensures are accepted for reimbursement. Not all of our therapists are included in all plans. Please check with Blue Cross/Blue Shield before your first session.

Download our list of questions to ask your insurance provider.

If Medicare is your primary insurance carrier, you will need to see a therapist who accepts Medicare in order to be covered. Billing must charge Medicare before any secondary insurance companies (if your insurance ID begins with XOS or XOT, it is considered secondary insurance).

Be sure to check with your insurance provider about coverage before your initial session as you are financially responsible for anything that is not covered.



To have your claims submitted electronically, please fill out the Request for Electronic Claim Submission form and bring it to your first session.



We request 24 hour notice for a cancellation. No-shows and less than 24 hour notice can result in a full-fee charge for a session. This fee is not covered by insurance. Clients are responsible for calling their therapist to cancel. It is solely up to the therapist to agree to a no fee no-show or cancellation less than 24 hours before an appointment. Please refer to the Service Agreement for more information.

Please discuss your coverage with your insurance provider before therapy begins. Not all therapists accept Blue Cross/Blue Shield.

Contact The Family Institute's Billing Department at 847-733-4300 with any additional questions. 

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